Eko Introduction
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This document introduces EKO/-, a mobile financial services platform that allows any cell phone user to perform transactions like an ATM. It discusses how EKO/- leverages existing mobile networks and retail distribution infrastructure to provide branchless banking services at a very low cost per transaction of Re. 1/-. The platform works across all mobile operators, devices, and technologies. It also describes how EKO/- digitizes transactions and signatures for money transfers using only mobile phone numbers. As of the date of the document, EKO/- has over 4 million customers, 2,600 counters, and has facilitated over $1 billion in 10 million transactions across several Indian states since being founded in 2007.
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Volume IX of the Enterprise Architecture Professional Journal on EAPJ.org, released June 2025.
It features:
- A welcome from the EAPJ Editor, Darryl Carr.
- A special note from the EAPJ Founder, Steve Else.
- An article from Alexandre Luis Prim and Tiago Lemos de Oliveira featuring a case study of value creation from Enterprise Architecture.
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Bourns potentiometers are high-quality variable resistors designed for precision control in a wide range of electronic applications. Known for their durability, accuracy, and reliability, Bourns potentiometers are ideal for adjusting signal levels, tuning circuits, or setting reference voltages in industrial, automotive, and consumer electronics.
Available in rotary and slide variants, these components offer excellent repeatability, smooth operation, and long mechanical life, making them a trusted choice for engineers and designers worldwide.
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Virtual events are successful and efficient for all audiences because they reduce expenses, increase global reach, increase engagement, provide real-time data, and promote sustainability.IT Companies in Magarpatta: A Thriving Hub of Technology and Innovation
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IT Firms in Magarpatta have transformed the region into one of Punes most vibrant and sought-after technology destinations. Located in Hadapsar, Magarpatta City is a privately managed, self-sustained township that blends residential, commercial, and IT infrastructure with green and eco-friendly planning. The presence of leading software companies, excellent connectivity, and world-class amenities make it a hotspot for IT professionals and businesses alike.
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Many companies still use old, on-premises ERP systems.
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ERP Modernization helps move systems to the cloud, improving flexibility and access.ISO 45001 Certification in Singapore Company
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ISO 45001:2018 Certification Singapore is the International Standard for Occupational Health & Safety Management Systems (OH&SMS) designed to replace OHSAS 18001 standard.
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QuickBooks freezing refers to a situation where the accounting software becomes unresponsive during use. This can occur while opening files, saving data, or performing tasks. Its often caused by outdated software, corrupted files, limited system resources, or software conflicts, disrupting workflow and requiring troubleshooting to restore normal performance.Ad
Eko Introduction
- 1. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited Warm welcome to EKO/-
- 2. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited Imagine every cell phone is an ATM! Imagine anyone with a cell phone is a Merchant!
- 3. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited Branch 1786 ATM 1987 Kiosk 2006 Mobile 2010 Units Distribution 1,00,000 50,000 25,000 900 million Per 25,000 Per 15,000 Every HouseholdPer 50,000 Reach 40% population 20% population 10% rural population 100% Evolution CAPEX 0/-Rs. 25 - 50KRs. 2 - 5 lacRs. 10 - 40 lac Cost/ Txn. Rs. 40/- & upwards Rs. 15/- & upwards Rs. 10/- & upwards Re. 1/- High Cost Branch Low Cost Branch Lowest Cost Branch Branchless
- 4. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited Rapid & massive scale No CAPEX Extremely low cost of transaction Leverage existing retail distribution infra - 15 million Leverage cell phone users ~ 900 million Exclusive to None - True Democratization Fundamentals All MNOs Airtel / BSNL / Idea / Reliance / Tata etc. All Platforms Symbian / Java / Android etc. All OEMs Nokia / LG / BlackBerry / iPhone etc. All Technologies 3G / GPRS / CDMA / GSM / EDGE etc. Multi Bank State Bank of India / ICICI Bank etc. All FSPs Bharti AXA / SKS / L&T Finance etc.
- 5. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited Digitization of a transaction *543*9811234389* 999*1598271234# BENEFICIARY AMOUNT AUTHORIZATION Missed Call | Only Numbers | Works on Ultra-low cost handsets
- 6. 息 Strictly confidential. Eko/- is the property of Eko India Financial Services Private Limited Digitization of the signature Paper equivalent to RSA device + PIN | Only Numbers | Low cost | Innovation 1 2 3 4 5 9 8 7 1 2 1 5 9 8 2 7 1 2 3 4 PIN Signature *543*9811234389*999*1598271234# Beneficiarys Mobile No. Amount. Signature
- 7. 息 Strictly confidential. Eko/- is the property of Eko India Financial Services Private Limited Eko - ICICI Account (Settlement A/c) S-CSP Distributor CSP Retailer 1. 2. 3. 4.2 4.1 5.1 5.2 CustomerCash Collection Electronic Money Cheque / DD / RTGS Payment EKO/- SimpliBank On Encashment Accounts of S-CSPs & CSPs Prepaid Cash Management
- 8. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited Customers: 4 million+ Eko Counters: 2600 Partners Transactions Total Number: 10 million+ Total Value: $1 billion Estd. September 2007 Funding from Creation Investments & CGAP (World Bank), Indo-US Fund, Govt. of India and UN Presence: Delhi-NCR, Bihar, Jharkhand, U.P., A.P., W.B. Maharashtra, Punjab, H.P., Haryana & Rajasthan
- 9. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited By taking existing infrastructure and spare capacity among mobile networks, your model could dramatically reduce costs for service providers and customers alike. - Bill Gates, Chairman, Microsoft
- 10. 息 Strictly confidential. EKO/- is the property of Eko India Financial Services Private Limited