01
A Branch Visit for a Card
Customers travelling in to collect what a courier could not deliver.
Lockera Industries · Financial
The Branch Automated Everything Except the Handover.
Onboarding is digital. Approval is digital. Statements are digital. Then a card, a cheque book, a sanction letter or a file has to physically reach somebody, and the process reverts to a counter, a courier and a signature. Lockera applies the controls the rest of the bank already runs on: dual authorisation, tamper evidence and a custody record on every exchange.
One system for card and cheque book collection, document custody, cash handover and branch automation.
Built for
- Retail Banks
- NBFCs & Fintechs
- Cooperative Banks
- Insurance & Wealth
Everything Is Digital Until Something Has To Change Hands.
Onboarding is digital, approval is digital, statements are digital. Then a card, a cheque book, a sanction letter or a KYC file has to physically reach somebody, and the process reverts to a counter, a courier and a signature in a register.
02
Undelivered Returns
Cards and cheque books cycling back to the branch unclaimed.
03
Counter Time on Handovers
Staff issuing items instead of serving and selling.
04
Document Custody
KYC files and loan papers moving with no verifiable chain.
05
Cash Exchange Points
Teller and vendor handovers relying on presence and paperwork.
06
Audit Reconstruction
Assembling evidence after the fact, from registers.
The knock-on effect
How one manual handover turns into a cost across the whole branch network.
- 01Handover at the counter
- A branch visit for a two-minute task
- 02Courier-only delivery
- Undelivered items cycling back
- 03Signature as the record
- Custody that cannot be proven
- 04Cash exchanged in person
- Two people tied to one moment
- 05Registers instead of logs
- Audit assembled by hand
5 challenges · 5 operational costs · 1 manual handover behind all of them
One System. Every Controlled Exchange.
Lockera is more than a document locker. It is a controlled exchange layer for everything a branch issues, receives and has to account for — with the same controls applied to the physical step as to the digital one.
Use case 01
Card & Cheque Book Collection
Customers collect from the lobby at any hour with a single-use code.
Use case 02
Undelivered Item Recovery
Items a courier could not deliver divert to a locker, not back to origin.
Use case 03
Document Custody Transfer
KYC files and loan papers moved between branch and back office with a record.
Use case 04
Dual-Authorisation Compartments
Two authorised identities required before a compartment opens.
Use case 05
Cash & Valuables Handover
Teller and vendor exchange without a face-to-face transfer.
Use case 06
Staff & Branch Lockers
Personal and operational storage with role-based access.
A Counter Handover vs. Lockera Controlled Exchange
| Measure | A counter handover | Lockera controlled exchange |
|---|---|---|
| Collection hours | Branch hours | Lobby access around the clock |
| Customer effort | A visit and a queue | Collect on the way past |
| Undelivered items | Returned to origin | Diverted to a locker |
| Custody record | A signature in a register | Identity, time and image |
| Two-person control | Both present at once | Dual authorisation, logged |
| Staff time | Spent issuing items | Spent on service and sales |
| Audit evidence | Assembled on request | Exported on demand |
| Multi-branch view | Branch by branch | One dashboard across the network |
Hardware, Cloud Control and Core Integration.
Lockera is a complete hardware, cloud software and identity stack, engineered for institutions where every exchange has to be provable after the fact.
Layer 01
Secure Branch Hardware
Heavy-gauge steel lockbanks with electronic solenoids, touchscreens, camera capture, tamper detection and battery backup, specified for branch lobbies, ATM vestibules and back-office floors.
Layer 02
Cloud Control & Audit
Custody per item, dual-authorisation events, access attempts including failures, dwell and expiry alerts, and an exportable audit trail by branch, region or item class.
Layer 03
Identity & Core Integration
Staff ID, RFID, PIN and customer OTP access, with APIs into core banking, CRM and card-management systems so issue and collection post against the customer record.
What the network gains
- Collection without a branch visit — lobby access outside banking hours.
- Fewer undelivered returns — a locker instead of a trip back to origin.
- Two-person control, mechanically — dual authorisation enforced by the compartment.
- Custody you can prove — identity, timestamp and image on every exchange.
- Counter time returned to customers — staff stop issuing items across a counter.
- Uninterrupted operation — battery backup and offline codes work through outages.
Control Without a Counter.
Branch footfall, undelivered items, custody evidence and two-person control all trace back to one decision: whether the physical handover is governed by procedure, or by the compartment itself.
01
Cut Branch Footfall for Collection
Remove the visit a two-minute handover currently requires.
02
Reduce Undelivered Items
Give a failed courier delivery somewhere better to go.
03
Prove Custody
Identity, time and image behind every exchange.
04
Enforce Two-Person Control
Applied by the compartment, not by procedure alone.
05
Release Counter Capacity
Staff on service and sales instead of issuing.
06
See the Whole Network
Custody, exceptions and utilisation across every branch.
From a Single Branch to a National Network.
01
Retail Bank Branches
Lobby and vestibule collection across a branch network.
02
NBFCs & Fintechs
Distributed collection without a branch estate.
03
Cooperative & Regional Banks
Controlled exchange at smaller sites.
04
Insurance & Wealth
Policy documents and client files with custody attached.
05
Back Offices & Processing
File movement between branch and processing centre.
06
Cash Management Operations
Vendor handover points under dual control.
Assess. Configure. Install. Go Live.
Branch & Volume Assessment
We map item types, volumes, undelivered rates and candidate placements.
Configuration & Hardware Design
Compartment mix, lobby or vestibule siting, access roles and dual-control rules.
Installation & Integration
Installation plus integration with core banking, CRM and card management.
Go Live
Customers, branch staff and vendors start collecting and depositing immediately.
Why Banks Are Taking Collection Off the Counter.
- Take collection off the counter — customers collect without a queue or an appointment.
- Recover undelivered items — divert rather than return to origin.
- Make custody provable — identity, time and image on every exchange.
- Apply two-person control mechanically — the compartment enforces it, every time.
- Free branch capacity — counter time back to service and sales.
- Run the network from one place — custody and exceptions across every branch.
Frequently Asked Questions
How does a customer collect a card or cheque book?
The branch places the item in a compartment against the customer record. The customer receives a single-use OTP and QR code on their registered mobile number, and opens the compartment at the bank's own lobby or vestibule unit. No token counter, no queue, and no appointment.
What happens to items a courier could not deliver?
Instead of cycling back to origin and waiting for the customer to visit during banking hours, an undelivered card or cheque book can be placed into a locker at the branch nearest the customer. They collect with a code at a time that suits them, which is usually the difference between an item being collected and being destroyed.
How does dual authorisation work?
A compartment can be configured to require two authorised identities before it opens, with both recorded against the event. The control is enforced by the compartment rather than resting on procedure, and an attempt with only one identity is logged as a failed attempt.
What record is kept of each exchange?
Item, compartment, the identity or identities that authenticated, timestamp and a camera capture, written to an append-only log. Failed attempts are recorded alongside successful ones. The log is exportable by branch, region, item class or date range.
Can it handle cash or high-value items?
Banks use Lockera as a controlled handover point between tellers, branches and cash-management vendors, with dual authorisation, tamper detection and full logging on those compartments. It is designed to fit your existing cash process and its controls rather than to replace your vault, and the specification for any cash application is agreed with your own operations and risk teams.
Does Lockera integrate with our core banking or card management system?
Lockera exposes APIs for allocation, notification, collection and custody events, so an issued card or cheque book moves through dispatched, ready and collected against the customer record in your own systems, and reconciliation does not depend on a separate list.
Can it be sited in an ATM vestibule for access outside banking hours?
Yes, and that is the usual placement where collection outside branch hours is the goal. Units are specified for lobby, vestibule and back-office siting, with the access window set per site.
How do we monitor exceptions across a branch network?
One dashboard covers every branch: items awaiting collection, dwell and expiry, failed access attempts, dual-authorisation events and unit health, with role-based views so a branch manager, a regional head and central operations each see the right scope.
What happens during a power cut or network outage?
Each unit carries battery backup and an offline cache. Customers and staff continue collecting and depositing with offline codes through a full grid or connectivity failure, and the custody log reconciles once the unit is back online.