Data Exchange
Module (DEM)
Developed for banks registered with NPCI as CTS participants. DEM seamlessly interfaces with the Central Clearing House (CCH) to enable secure data and image exchange. NPCI's lower-cost alternative to CHI.
NPCI
Certified
NPCI Guidelines Compliant
General functionalities as per NPCI guidelines for seamless operation
Upload outward files to Clearing House after signing and encryption
Perform switchover to Secondary CH during DR invocation
Download inward files and masters from CH after verification
Perform key and certificate exchange with CH
Provide file reconciliation information periodically
Integration with CTS Capture System and CH/CCH of NPCI
Why Finverge DEM
Cost-effective, scalable, and secure solution for NPCI-registered banks
Faster cheque processing with faster truncation at the point of deposit
Uses very low cloud resources and therefore is highly cost-effective and yet very efficient
More than one bank can use one DEM, which allows for cost-sharing between banks
Requires less number of servers and data recovery investments when compared with CHI
Can be seamlessly integrated with Cheque Truncation System (CTS) currently used by banks
Integration with CTS Capture System of the CPC and CH/CCH of NPCI
Supports scalable architecture - vertical as well as horizontal scaling
Supports multiple DEMs, if required by the bank in future with Load Distribution, Data Segregation etc.
Finverge DEM Features
Advanced features for secure and efficient data exchange
HTTPS protocol for secure message exchange and SFTP for file exchange
Periodic checks for un-retrieved inward files and retrieval of the same from the CCH
Configurable file retrieval with efficient download of files every FTP session
Usage of hardware security module for storage, signing and encryption
Automate the process to reduce keystrokes
Streamline cheque processing
Switchover scenario contingency plan with file retrieval from primary and secondary CH
Decryption and signature verification of all files
Scalable Architecture
Built for performance, security, and scalability
Vertical & Horizontal Scaling
Our DEM supports both vertical and horizontal scaling to meet your growing needs.
- Dynamic resource allocation
- Load distribution capabilities
- Multiple DEM support
Integration Capabilities
Seamlessly integrates with CTS Capture System and NPCI's Central Clearing House (CCH) infrastructure.
- CTS system compatibility
- NPCI CCH interface
- API-based integration
60%
Lower Cost vs CHI
100%
NPCI Compliant
24/7
Secure Operations
Enterprise-Grade Security
Your data security is our top priority with multiple layers of protection
Encryption
End-to-end encryption for all data transmission and storage using industry standards
HSM Integration
Hardware Security Module for secure key storage, signing, and encryption operations
Compliance
Full compliance with NPCI guidelines and banking security standards
Lower Cost Alternative to CHI
NPCI has provided DEM as a cost-effective alternative to CHI (Clearing House Interface), making it accessible for banks of all sizes.
Reduced Infrastructure
Requires significantly fewer servers and lower data recovery investments compared to CHI
Minimal Resources
Uses very low cloud resources making it highly cost-effective yet very efficient
Shared Infrastructure
Multiple banks can use one DEM, allowing for cost-sharing between institutions
Cost Effective
60% Lower than CHI
Our CTS Services
Comprehensive support for your DEM implementation
Remote Support
Onsite Support
Priority Support
Ready to Streamline Your Data Exchange?
Join banks across India using our NPCI-compliant DEM solution for secure and efficient cheque processing.