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K-FIN

Card Reconciliation Software for Banks:

K-FIN is designed and developed for banks to overcome the present drawback in the system of card reconciliation. K-FIN reconciles card accounts, manages disputes, creates exceptions, maintains ATM wise transactions and manages complete charge back and settlements.

Modules of K-FIN

Automatic DATA Reconciliation:

This module is designed for extracting DATA from shared network/Bank switch generated report files which could be in any format. Extracted data is stored in the table format for easy reconciliation. Extracted data is reconciled category wise by issuer, acquirer, POS, ATM, domestic and International transactions. Reconciled data is separated by matched and unmatched transactions and those exceptions are settled Online by debit/ credit into the customer's account.

Network Reconciliation:

K-FIN is designed to extract data from shared network, bank, switch and EJ generated report files of any format. K-FIN follows four way reconciliation logic, which covers all the nodes for any given transaction. It compares four different files namely Switch, EJ, Network and GL (Host). Reconciliation is done based on issuer and acquirer. K-FIN takes care of the POS, ATM, domestic/international transactions, merchant credit etc. After Reconciliation, the transactions are separated as matched, unmatched, amount mismatch, offline, reversal and so on.

ATM Reconciliation:

The number of ATM transactions are growing very fast day by day and the need to have a very efficient ATM transaction reconciliation system is required in all commercial banks. K-FIN reconciles ATM transactions on daily basis, maintains record of cash replenishment, cash dispensed by each network and bank’s own customers, overage/ shortage figures at the end of the day.

ATM Vault Reconciliation:

K-FIN also takes care of the Vault Reconciliation, Cash loaded for each ATM daily and ATM indent. MIS reports with detailed information with which user can decide on the amount to be loaded to the ATMs located in particular area in the particular period based on the previous transaction history.

Internet Banking Reconciliation:

K-FIN also includes Internet banking i.e. cash transactions done through Internet. Internet banking consists of the following modules


In IRCTC refund or TDR (Transaction Discount Rate), the user will credit to the customer’s account who have cancelled the tickets or hasn’t traveled for the booked ticket based on the data received from the railway department.

The Payment Gateway consist of day to day bills paid/purchases made through the Internet and amount is deducted from the customer's account

In Utility reconciliation the statement is given by the user and certain amount will be deducted from his account and credited to the respective account if the bank holds the account, else the amount is paid to the payee through DD.

Charge Back and Settlement Management:

K-FIN Chargeback and Settlement Management module manages Issuer and Acquirer customer complaints and enables user to follow up with the network for settlement of complaints by POP up messages and alerts. User can maintain bank's settlement/payments made through Network.

MIS Reports:

K-FIN comes with extensive MIS reports for any type of analysis and DATA management.


Template Driven Report:

K-FIN has unique report designer, where user can create his own report format templates and can be saved as template. These templates can be used whenever required to generate the reports.

ATM Reconciliation reports such as Overage/Shortage, ATM wise cash withdrawal report.

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