There is a biometric identifier on a hand-held machine. The machine is called Point of Transaction (POI). It is a link between banks and millions of hoseholds on the margins of the financial system. It is a step towards door-step banking. FINO’s hardware is traditional. What is innovative is the software developed by it. It connects customers to their banks merely by punching their Aadhar identification numbers into the GPRS-enabled machine. The POT connects to FINO’s server, which in turn, connects to the bank’s server. Customers get their money and their transaction details are recorded on real-time basis. ICICI set up FINO in 2006 to fill a gap in the banking software market. It has created its own software solutions that run on standard hardware to bring millions of poor into the banking lot.