Eko India

Eko enables retailers to provide banking and financial services to customers who lack bank accounts, letting them transfer money using cash directly at the shop.

That is a genuine financial inclusion mechanism rather than a marketing framing. A customer without a bank account cannot use any digital payment method, so cash-in at a trusted local shop is the only entry point into the financial system available to them, and the retailer earns commission on every service provided.

Aadhaar Banking extends the model, letting customers withdraw cash and transfer money using only a fingerprint and Aadhaar number. Biometric authentication matters specifically here because it removes the need for a card, a PIN or a smartphone, all of which are barriers for the customers this serves, and the retailer can offer the service at the customer's doorstep rather than requiring them to travel.

Utility bill payment covers more than 100 billers across India, and insurance is offered as low cost policies with simple paperwork and an easy claims process, which is the right design for first-time insurance buyers for whom complexity is the real barrier rather than price. Eko publishes instant retailer onboarding and industry-leading success rates as its operational commitments, and identifies itself as made in India. Pricing is not published, with retailers earning commission per transaction.