Branchless Banking

Branchless Banking (Banking Anywhere) Solution is a flagship product of D'Rose Technologies. It is a system which enables banks and financial institutions to spread their footprints without having to set up a bank branch. In this modality of banking, commercial outlets such as small grocery shops, medical shops etc. can act in some capacity to provide basic banking services on behalf of banks and financial institutions to their customers.

Branchless Banking

If we look at the banked populace of Nepal, we will find only few percentage of the population which is utilizing the banking system for their basic financial transactions need. Most of the people at remote areas are unable to easily use banking services. The innovative use of modern technologies in banking services can promote financial inclusion of these unbanked people.

We, D’Rose Technologies, clearly understood the need of the innovative product which shall help the banks to appoint business correspondents and carryout basic banking transactions, on behalf of the bank, without compromising on the security and confidentiality of the transactions for both banks and customers. 

D’Rose Branchless Banking utilizes the hand held device popularly kwon as POS / POT (Point of Sale / Point of Transaction) Terminal/Device which is integrated with following other devices:

  • 2” Thermal Printer;
  • GSM/GPRS, CDMA and Ethernet for communication requirement;
  • Camera;
  • Magnetic and Dual Smart Card Reader;
  • 3.5” Colour and Touch screen with QWERTY Keyboard;
  • Finger Scanner.

With the help of D’Rose Branchless Banking System, customers can avail the following services:

  • Customer Enrollment and A/C Opening;
  • Cash Deposit and Withdrawal;
  • A/C to A/C fund transfer;
  • Mobile Topup (Pinless Recharge and) / Electronic Recharge Coupon;
  • Bill Payment and Merchant Payment;
  • A/C balance enquiry / Mini Statement etc.

D’Rose Branchless Banking is a modern financial system employed for execution of tasks concerning financial issues, without the incorporation of physical branches of the banks. Branchless banking system has substantial potential for expansion of footprint of the banks in remote areas, where establishment of bank branch may not be an economically viable, due to the huge expenses involved, and lesser number of customers available. Customers will also obtain the advantage of minimizing time required for availing banking services, and also reduce the expenditures involved in traveling for such purposes

Online Payment Portal

Online Payment Portal is another dashing product of D’Rose. It has the capability to integrate with all telephone operators or similar other system providers for eTopup (Pinless Recharge). The system also has the capability of providing Electronic Recharge Coupon (Electronic Voucher) of any such service providers. Currently the system is integrated with Nepal Telecom, Ncell and Dish Home for all supported eTopup and all available Electronic Recharge Coupons.

The system has the capability to integrate with Remittance Systems for Payout and Send Transactions. It also has the capability to integrate for airlines and bus management system for online ticketing. This system is already tested and proven to handle large volume of transactions without performance degradation.

This application can be accessed by the following different delivery channels  

  • Desktop / Laptop Computer
  • Smart mobile Phones / Tablets and
  • POS Device

We, at D'Rose, provide custom software development service to cater diverse business needs and problems faced by companies globally. We keep the right balance to meet enterprise goals and deadlines. In addition to our technical expertise, our structured development methodologies and project management expertise enable us to deliver on-time and on-budget for projects of any size.
Various technologies available today for several processes can sometimes cause unwanted scenario in an organization. It is essential to obtain right balance of technologies with the help of an IT architect to accomplish your business goals. Our team at D'Rose identifies the various technologies that can work collectively for better output. We also provide our clients with the list of technologies that are undesired or upgradeable to advanced best fitted technologies. A well-defined plan is laid out for the present as well as the future changes where everything is taken care of. IT architecture is implemented methodically and gradually without hindering the everyday processes in the organization.
We follow the Agile development practice and use the world class tools to closely monitor the progress of the running projects.

We, at D'Rose Technologies, are focused on Research and Development. We believe the time and the effort spent on Research and Development will always enhance the productivity and deliver fruitful results to our customers. Every project is different. So, we always seek the best methods to solve the problems. We are seriously researching on making the technology closer to everyday life of the users and are well equipped to cater to every technological need of our clients. With our expertise in providing the solutions in several areas of technology, we promise to deliver the cost effective and right solutions to our clients for a small to larger projects

SOFTWARE OUTSOURCING - OFFSHORE DEVELOPMENT

In addition to strengthening its domestic services portfolio in system design and development, D'Rose is also geared towards securing a strong foothold in off-shoring and outsourcing market and strengthening its Off-shore Delivery Model capabilities. Along these lines, our key focus is to complement the efforts of our clients and partners overseas to stay competitive in the face of current economic milieu characterized, among others, by declining corporate IT spending over the years. Compelling cost arbitrage advantage that we are able to leverage with our development centre located in Nepal, D'Rose is in a unique position to generate competitive value to its customers overseas

WEB APPLICATION DEVELOPMENT

Our core strength lies in development of Web based application. Almost all projects that we have successfully developed and delivered are web application. We have extensive experiences and expertise in development of custom application to address diverse business needs to today's very demanding end customers/users. Our focused always will be to develop Operating System and database independent systems. We therefore, provide our customers with options to choose the best suited OS and Database management system.
We also provide web site development service to our customers at a special need and request basis in any language such as PHP, C#, Java etc.

MOBILE APPLICATION DEVELOPMENT

Our Founder director is most probably the one of the first developers in Nepal who started writing application in Java mobile when there were no Android base mobile phones.
We successfully developed and delivered numerous applications for mobile phones. Mobile application development is also one of our core strengths.

POS APPLICATION DEVELOPMENT

Probably we are the first Nepalese IT company in Nepal who successfully developed application for POS devices ranging from normal eTopup transaction to complex banking transactions. These applications are written in C and C++ programming language. The POS applications that we developed are being used for Online Payment Portal and Branchless Banking Solution of ours.

DESKTOP APPLICATION DEVELOPMENT

Our customer centric approach is the driving force behind our strategic orientation centering around the need to fully understand the business requirements of our clients and offer specialized technology services across the demand landscape.
Although the entire world's, focus these days, towards in developing web base applications, we are still ready to provide our customers with desktop application based on their need. We have required level of expertise and experiences to develop desktop application utilizing any language based on customer request or we can also suggest the customer with best suited technologies which will be based on the nature of the intended application.

D’Rose Technologies (P) Ltd is a rapidly growing Software Company based in Kathmandu, Nepal. Founded by a leading group of professionals having several years of domain expertise in Information and Communication Technology and software engineering area, we are well positioned to offer services in verticals like banking and finance as well as horizontally in the areas of System development and integration, strategic business solutions and Consulting.

We are fully geared towards bringing our competencies to bear on providing wide range of IT services and solutions tailored to specific needs of our customers. Backed by our experienced and professional team, we are also well positioned to deliver web and desktop applications, distributed and networking applications and custom database development, among other IT related undertakings. 

In addition to strengthening its domestic services portfolio in system design and development, D'Rose is also geared towards securing a strong foothold in off-shoring and outsourcing market and strengthening its Off-shore Delivery Model capabilities. Along these lines, our key focus is to complement the efforts of our clients and partners overseas to stay competitive in the face of current economic milieu characterized, among others, by declining corporate IT spend over the years. Compelling cost arbitrage advantage that we are able to leverage with our development centre located in Nepal, D'Rose is in a unique position to generate competitive value to its customers overseas. 

At D’Rose Technologies, we keep ourselves abreast with latest technology trends that shape the dynamics of IT and IT enabled solutions market backed by well-defined project structures and methodologies to design and develop each product and service offering in complete accordance with client’s requirements. Our technical expertise, structured development approach and methodologies and project management expertise enable us to deliver in-time and on-budget projects of any size. 

Our customer centric approach is the driving force behind our strategic orientation centering around the need to fully understand the business requirements of our clients and offer specialized and cost effective technology services across the demand landscape.

D'Rose remains committed to sustain its unflinching commitment to quality in its product and service offerings and delivering value to its customers.

Nepal Bhushan Gauli

Executive Director / Founder

Suraj Chhetry

Chief Technical Officer/ Founder

Kshitij Das Maharjan

Senior Software Engineer

Krantesh Shrestha

Senior Networking Officer

Pradeep Marasini

Software Engineer

Sailesh Maharjan

Trainee Software Engineer

Ravi Thapa

Trainee Software Engineer

Achyut Adhikari

Senior Account Officer

Manohar Bhattarai

Software Engineer

Samjhana Karki

Receptionist

Rajesh Koirala

Senior Developer

Bikash Shrestha

Junior Software Engineer

Contact Info

D'Rose Technologies (P.) Ltd.
2nd Floor, Uranus Block,
Grande Towers,Tokha Road,
Kathmandu

E-mail: info@drose.com.np/
Phone: +977-1-5125034
Mobile:9851034293(Bhushan) or 9851102208(Suraj)