CitiConnect_API_Case_Study_Book

The Solution 21 Seamless Client Experience | API Playbook 1 Enabling real-time collections by using UPI (Unified Payment Interface) along with API The Company Our client is the fastest growing telecom company in India, with over 300 million subscribers. The company has a very strong Customer engagement with high monthly average data & voice consumption. We have processed 2.5MM+ transactions in the 1st month of launch Potential Uses • Citi APIs along with UPI can be used in multiple B2C industries where Companies need to collect funds in real-time • Cash on Delivery transactions can be digitized using Citi APIs along with UPI where UPI collect request can be initiated in real-time The Benefits • Direct Integration using ‘Intent Call’ allowing end-to-end UPI flow to occur from within the ‘App’ for a seamless experience • High success rate and Quicker transaction TAT given direct integration done without website re- directions or external codes • Better visibility on transaction flow on account of hourly reconciliation MIS provided by Citi • Real-time credit realization given funds are routed directly via Citi allowing early access to capital The Challenge Our client provides its customers with a mobile app for recharging their pre-paid accounts and to buy other services. Customers can choose from different payment methods including cards, wallets, bank account and UPI payments. Our Client used a Payment Service Provider (PSP) to process UPI requests through an indirect method that integrated the telecom’s app with the PSP’s app due to which customers have a manual entry step, then need to wait for an SMS notification, and are required to leave the Telecom’s app to authorize payments on the PSP’s app. These extra payment steps create friction and resulted in a poor customer experience and led to a sales drop-off The solution is powered by the following CitiConnect APIs: Authentication of Client Instruction Confirmation of UPI credit status Original Solution 1. In the ‘App’, Customers select UPI on payment page 2. Customers manually type the UPI ID for payment 3. Customers get a SMS prompting to open a PSP app 4.Customers open respective PSP app and make payment 5. Customers close PSP app and switches to ‘App’ for confirmation Citi Solution 1. In the ‘App’, Subscriber selects UPI service provider on payment page 2. Subscriber is re-directed within ‘App’ via intent call to opens the respective PSP app for payment 3. Subscriber receives transaction confirmation within the ‘App