Multi-Tenant KIOSK Banking Platform

01 / The Challenge

Branch queues at Himalayan United were driving customers away: tellers spent most of their day on routine deposits, cash-handling errors triggered painful end-of-day reconciliations, and every new branch multiplied the cost. The bank wanted self-service kiosks that could accept cash and cheques reliably and a platform strong enough to offer to partner banks as a service, which meant true multi-tenancy from day one.

02 / Our Approach

The thinking behind the build

We started on the branch floor, not the whiteboard shadowing tellers and queue lines for a week to map exactly which transactions clogged branches and where deposits actually failed. That research shaped the two principles the whole platform is built on: reconciliation comes first, and hardware will misbehave. Every deposit is designed as an atomic, auditable transaction that can survive a jammed note, a power cut, or a dropped connection to the core banking system without ever losing money or trust.

For multi-tenancy, we isolated each bank's configuration, branding, device fleet, and settlement rules behind a strict tenant boundary, then abstracted the hardware layer cash recyclers, MICR cheque scanners, receipt printers behind a device API so new kiosk models can be certified without touching business logic. We piloted with two kiosks in one branch for six weeks, hardened everything the pilot surfaced, and only then scaled the fleet.

03 / The Solution

What we built

The platform pairs a touch kiosk application with integrated cash recyclers and MICR cheque scanners, connected to each bank's core banking system through a resilient transaction gateway with store-and-forward for network outages. A central console manages the whole fleet: device health, cash levels, cheque image review, tenant configuration, and real-time reconciliation dashboards. Customers authenticate by card or QR, deposit cash or cheques in under a minute, and get instant receipts and SMS confirmation 24 hours a day.