Hma starware pvt. Ltd. Is the manufacturer of switching, middleware space in card issuance and management solution. Hma starware pvt. Ltd. Presents banking access interface. Banking access interface is a quality interface product from hmas, which makes an atm on-line with the bank`s retail banking software. This novel product resides and runs on a pc connected to the bank`s network. Banking access interface accesses the bank`s database and authorizes a transaction, based on the account holder`s details. This automated process eliminates the manual part and thus gives the much-needed shot in the arm to the banking process.