StarFIPS is a PCI-compliant, centralized digital financial inclusion system that processes financial and non-financial transactions via Android-based Hand Held Terminals (HHTs). It operates 24/7 from a centralized data center, supporting real-time transaction processing using ISO8583/ISO20022 protocols. The platform handles card and card-less transactions, routing them to banking systems and returning responses to the terminals. It supports PIN and biometric authentication, and both online and offline modes. StarFIPS integrates with EFT switches, wallets, and CMS platforms, enabling broad banking service capabilities. Designed for Business Correspondent (BC) models, it brings banking to underbanked and remote populations, reducing reliance on ATMs and lowering operational costs. Overall, StarFIPS is a secure, scalable, and future-ready digital banking solution that enhances financial inclusion and operational efficiency.