Digital Banking: Mobile, Web & USSD

CAPABILITIES

What Digital Banking – Omni Channel can do

01

Access over Mobile, Web, Agency & USSD with cross platform capabilities

02

Retail & Corporate Internet & Mobile banking capabilities

03

Self Registration and Link/Delink Accounts

04

Identity Verification (KYC/AML Compliance)

05

Online Video KYC process for customer from anywhere

MODULES & APIS

01

Account management & User Account Linking

02

Role Assignment as Inputter, Approver, Admin

03

Account wise Limit Configuration

04

Customer 360 Dashboard

05

Transaction file upload - Single file format for all the type of transactions

06

View summary of uploaded file with detailed break up and count

07

Bulk File approval option

08

Approver can select transaction/s for approval out of uploaded transactions

09

Maker checker available over cross platform

10

Single integration for Core banking system, ATM Switches, SWIFT, Trade finance, KYC, Govt Taxes, etc.

KEY FACTS

Digital Banking – Omni Channel at a glance

Key facts about Digital Banking – Omni Channel
Specification	Detail
Channels	Mobile, Web, Agency, USSD
Customer segments	Retail and corporate internet & mobile banking
User roles	Inputter, Approver, Admin, with maker-checker across platforms
Onboarding	KYC/AML verification via document upload, biometric and mobile phone verification; online Video KYC
Integration	Single integration for core banking system, ATM switches, SWIFT, trade finance, KYC and government taxes
Launched	Part of LCode's 2018–2025 releases (Reach Mobility mobile banking launched 2014)
LCode company certifications	ISO 9001:2015 · ISO 27001:2022 · PCI SLC (Secure Software Lifecycle)

COMPARISONS

Digital Banking – Omni Channel: comparisons and reference tables

What customers can do on each channel
Channel	What LCode's product data lists for this channel
Retail & corporate internet and mobile banking (Mobile, Web)	Account management and user account linking; Inputter, Approver and Admin roles; account-wise limit configuration; Customer 360 dashboard; single-format transaction file upload with a summary break-up and count; bulk or selective approval; maker-checker across platforms
USSD	Quick transfer without a beneficiary; own-account and within-bank third-party transfers; other-bank transfers (RTGS/EFT); mobile money transfers; international transfers (SWIFT); cardless cash; beneficiary addition, viewing and deletion with cooling-period maintenance
Agency banking	Cash deposit and withdrawal; own-account, within-bank and other-bank (RTGS/EFT) transfers; mobile money transfers; scheduled transfers and standing instructions; transaction history with receipt download and sharing; cardless cash; ERP/school fee payment
Bank and agency operations	Agent and agency maintenance; transaction limit management; cash vault maintenance; commission settlement; reports; mobile adaptive screens
Common digital banking features	Account details with balance; mini and detailed statements; loan instalment, ERP/school fee and utility bill payments; 4/6-digit PIN set and reset; self-registration; link/delink accounts; debit card block, hotlist, green PIN and channel limits

A feature not listed against a channel is simply not listed in LCode's published product data for that channel; ask LCode to confirm availability for your deployment.

FAQ

Digital Banking – Omni Channel: frequently asked questions

Does LCode offer mobile banking and net banking for co-operative banks?

Yes. Digital Banking – Omni Channel is a mobile banking and net banking solution that provides mobile banking, net (internet) banking, agency banking and USSD banking for a bank's retail and corporate customers, and co-operative banks are one of the sectors LCode Technologies serves. Transactional digital banking at co-operative banks needs RBI's prior approval.

Which channels does LCode's omni-channel digital banking platform support?

It supports Mobile, Web, Agency and USSD channels with cross-platform capabilities, covering both retail and corporate internet and mobile banking.

Does it support corporate approval workflows?

Yes. Users can be assigned Inputter, Approver or Admin roles, limits are configurable per account, and maker-checker works across platforms. Corporates can upload a single-format transaction file, view a summary with a detailed break-up and count, and approve in bulk or select individual transactions.

What can customers do over USSD?

Quick transfers without adding a beneficiary, own-account and within-bank third-party transfers, other-bank transfers (RTGS/EFT), mobile money transfers, international transfers (SWIFT), cardless cash, and beneficiary addition, viewing and deletion with cooling-period maintenance.

How are new customers onboarded?

Identity is verified for KYC/AML compliance through document upload, biometric and mobile phone verification. Data is validated automatically with manual review and credit checks, accounts are set up automatically or manually, and customers can complete online Video KYC from anywhere after activation.

Which systems does the platform integrate with?

It provides a single point of integration for the core banking system, ATM switches, SWIFT, trade finance, KYC and government tax payments.

When did LCode launch its digital banking products?

LCode launched Reach Mobility, its mobile banking product, in 2014. Omni Channel Digital Banking is part of LCode's 2018–2025 releases, alongside Video KYC and Mobile RASP.