Next Gen Banking Kiosk for Contactless Branch Transactions

XIPHIAS Banking Kiosk helps banks and financial institutions automate cash deposits, cheque deposits, account opening and passbook printing on one secure self service terminal. Powered by biometric authentication and cloud based monitoring, it works across urban and rural branches worldwide without adding staff workload.

20+ years
Manufacturing Expertise
ISO
9001 & 27001 Certified
24/7
Self-Service Banking
30K+
Transactions Daily
PCI DSS
Compliant
99.9%
Transaction Accuracy
THE PROBLEM

Why Traditional Branch Banking is Losing
Customers to Digital Kiosks

Long counter queues, limited hours and manual paperwork cost banks time and money every day, while customers lose patience and switch to competitors offering faster self service.

Traditional Banking

The Old Way

Long Counter Queues

Customers wait 30 to 60 minutes for transactions a kiosk handles in seconds.

Limited Branch Hours

No access to banking services after closing, weekends or holidays.

Manual Paperwork

Paper forms and manual entry lead to errors and compliance risk.

High Operational Cost

Large staffing and physical infrastructure inflate branch expenses.

No Real Time Visibility

No centralized data to track performance or detect fraud.

Inconsistent Service

Long waits and limited options push customers to digital banks.

Average wait time
at a bank counter

45 Minutes

AI Banking Self Service Kiosk

The XIPHIAS Way

Instant Self Service

Transactions completed in seconds with guided digital workflows.

24/7 Branch Access

Full banking services available any time, without staff.

Error Free Transactions

Digital workflows remove paperwork and manual errors.

Lower Operational Cost

Automated kiosk banking reduces staffing and overhead.

Real Time Monitoring

Live dashboards for transactions, fraud alerts and compliance.

Personalized Experience

Multilingual, AI driven service consistent across branches.

Average transaction
time with XIPHIAS Kiosk

<2 Seconds

QUICK ANSWER

What is a XIPHIAS AI Banking Kiosk?

A banking kiosk is a smart self service terminal that lets customers deposit cash, deposit cheques, open accounts and print passbooks without a teller. In simple terms, it works like a digital branch counter that runs itself, guided by secure biometric and AI powered workflows instead of manual paperwork.

6+ Banking Workflows Automated
40+ Financial Institutions Served
98% First Attempt Success Rate
  • Cash & Cheque Deposit

    Accept cash and cheque deposits instantly with automated validation and receipt printing.

  • Biometric Account Access

    Secure login through fingerprint or facial recognition, no cards or passwords needed.

  • Guided Self Service Mode

    Works as a simple info screen or a full transaction kiosk, whichever the branch needs.

  • Cloud Based Remote Management

    Monitor and update every kiosk across every branch from one central dashboard.

  • Real Time Compliance Analytics

    Track transactions, fraud alerts and audit records with live reporting.

Cloud Managed PCI DSS Compliant CBS Integration Best Price Multilingual UI AI Analytics 24/7 Operation
STEP-BY-STEP PROCESS

How Does a Smart Banking Kiosk Work?

Verify once, and the kiosk handles the rest, from transaction to receipt, with no counter and no paperwork.

Verify Identity
Select Transaction
Secure Processing
Instant Confirmation
01

Verify Identity

Scan fingerprint, tap card or enter OTP to log in securely.

02

Select Transaction

Choose deposit, withdrawal, account opening or passbook printing.

03

Secure Processing

Kiosk validates and processes instantly through core banking integration.

04

Instant Confirmation

Get a printed or digital receipt with SMS or email confirmation.

COMPLETE AI BANKING PLATFORM

AI Powered Banking Experiences
At Every Customer Touchpoint

One smart kiosk handles deposits, account services, compliance and real time analytics, bringing every branch transaction under a single connected platform.

Xiphias Indoor Branch Banking kiosk with biometric access, designed for secure, guided banking transactions in branches and lobbies.
Cash & Cheque

INDOOR BRANCH BANKING

Sleek indoor kiosk designed for bank branches and lobbies with biometric access and guided transactions.

Xiphias Video Teller Banking connecting a customer with a remote teller over live video for secure banking transactions.
Video Assisted

VIDEO TELLER BANKING

Connects customers to a remote teller over live video for account services and complex transactions.

Xiphias Cash Recycler securely accepts and dispenses cash in a single unit for faster, efficient cash handling.
Cash Recycling

CASH RECYCLER

Accepts and dispenses cash in one unit, cutting reconciliation time and manual cash handling.

Xiphias Rural Banking kiosk designed for secure, low-maintenance banking in rural branches with limited connectivity and staff.
Rural Access

RURAL BANKING

Compact, low maintenance kiosk built for rural branches with limited connectivity and staffing.

KIOSK CORE CAPABILITIES

Banking Kiosk Core Features
One Complete Digital Banking Platform

Every banking function runs on one AI powered platform built for your branch.

XIPHIAS XBK
Core Banking
Cloud CMS
Fraud Detection
KYC & Compliance
Multilingual UI
Analytics Dashboard
Remote Monitoring

High Precision Touchscreen

Vandal proof capacitive touch display, 15 to 55 inch, certified for banking environments.

Biometric Authentication Sensors

Fingerprint scanner, card plus PIN reader and face recognition camera for multi factor security.

Card Reader & UPI Module

EMV chip, NFC contactless, magnetic stripe reader and UPI QR code, all modes supported.

Passbook & Receipt Printer

High speed thermal receipt printer with optional passbook update module.

Cheque & Document Scanner

MICR cheque scanner and document scanner for KYC and transaction reference.

Industrial Steel Enclosure

1.6mm CRCA steel body with UPS backup, lockable, available in floor standing, wall mount or tabletop formats.

COMPARE BEFORE YOU DECIDE

Banking Kiosk Comparison
Traditional Banking vs XIPHIAS AI Banking Kiosk

See exactly what separates old style branch banking from an AI powered self service kiosk.

Before You Decide

Traditional Banking

XIPHIAS AI Banking Self Service Kiosk

Transaction speed
Long counter queues
Completed in seconds
Branch hours
Limited to working hours
Available 24/7
Identity verification
Manual, paper based
Biometric and instant
Cash handling
Manual counting and reconciliation
Automated cash recycler module
Compliance tracking
No real time visibility
Live fraud detection and audit records
Customer support
Depends on staff availability
Guided self service, always on
Running cost
Rises with staffing and paperwork
Fixed setup, lower long term cost
Scalability
Hard to expand across branches
Add kiosks instantly to the network
INDUSTRIES SERVED

Where Are
Banking Kiosks Deployed?

XIPHIAS Smart banking terminal kiosks are deployed wherever customers need fast, secure self service banking access, from bank branches and malls to airports, corporate offices and rural financial inclusion points.

Bank Branches

Counter Reduction

Retail Stores

Payment Services

Shopping Malls

Self-Service Banking

Airports

Quick Transactions

Departmental Stores

Digital Banking

Transport Hubs

Commuter Banking

Corporate Offices

Employee Banking

Remote & Rural Areas

Financial Inclusion

Bus Stands

Public Banking

Educational Institutions

Student Banking

Hospitals

Patient Bill Pay

Smart City Projects

Urban Banking

Why XIPHIAS · Unique USPs · Only we can say this

Who We Are? The Self Service Banking Technology Behind XIPHIAS

India's #1 Kiosk Manufacturer

Future Proof Innovation

Proven Branch ROI

PCI DSS Certified Security

Nationwide Deployment Support

Best Value Pricing

Seamless CBS Integration

AI Powered Fraud Detection

Global Reach, Local Support

High Performance Manufacturing

XIPHIAS Banking Kiosk for self-service branch digitization
Live Dashboard
PCI DSS Certified
99.8% Uptime SLA
20+ Yrs ISO 27001 500+ Banks
Real-World Impact

Case Studies & Results

Measurable banking transformation across bank branches, rural financial inclusion and corporate banking deployments.

FAQ

Common Questions

Still have questions before you switch your branch over, here are the answers banks ask us most.

Talk to Our Banking Team
15
Questions answered
8
Categories Covered
100%
Self Serve Answers

A banking kiosk is a self service device that lets customers deposit cash, deposit cheques, open accounts and complete transactions without waiting for a teller.

They cut wait time, extend service hours beyond staffed counters and let customers complete transactions at their own pace.

Yes, the kiosk supports utility bill payments, loan repayments and other routine transactions alongside standard banking services.

By automating routine transactions, it reduces counter staffing needs and lowers day to day operational overhead.

Yes, kiosks can be configured for screen size, hardware modules and branding based on branch requirements.

All data is encrypted end to end and handled under PCI DSS and ISO 27001 compliant protocols.

Most kiosks are installed and connected to the core banking system within a few days.

Yes, it integrates through real time API connections over LAN, WAN or cloud with most CBS providers.

Any bank customer with a valid account or ID can use the kiosk for supported self service transactions.

Staff are freed from routine transactions and can focus on complex customer needs and advisory services.

Yes, customers can complete fund transfers directly through the guided self service interface.

Return depends on transaction volume and branch size, most institutions see reduced staffing and reconciliation costs within the first year.

Yes, transaction flows and screens can be tailored to match a bank's internal processes.

Biometric verification, card plus PIN and OTP based authentication are all supported.

A stable power source, network connectivity and basic space for floor standing or wall mount setup.

Ready to Modernize Your Branch
Your Branch Deserves a Smarter Front Line

Every minute a customer waits at the counter is a minute closer to losing them, automate the routine and let your staff focus on what actually needs a human.

OUR RANGE OF BANKING KIOSKS

Banking bill payment kiosk with touch screen for secure self-service transactions
Self-service banking kiosk for account services and customer onboarding
Interactive digital banking kiosk for fund transfer and mini-statement
Smart banking kiosk with touchscreen for secure payments and branch self-service
Banking Kiosk