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Its like having virtual electrical cables and wires inside the heart, Dr. Baez-Escudero says. Click here for an email preview. Still, the peace of mind during the newborn phase is definitely worth it, if your budget allows, and if, like me, you follow safe sleep habits to a T and still can't get to sleep yourself. Menu. Would have never known anything so scary has ever happened!!! The heart is made of four chambers two upper chambers (atria) and two lower chambers (ventricles). Smart Sock 3: Understanding the Readings - Help Center Another cause of bradycardia is an atrioventricular block (AV block), in which the top and bottom chambers dont communicate well and your heart rate drops as a result. Illness or other conditions may also cause bradycardia. FRED KUSUMOTO, M.D. aw Im sorry to hear this is happening. Lifestyle changes or medical treatment for related heart or other health conditions may decrease the risk of tachycardia. You need treatment for ventricular tachycardia when you have symptoms or when you have it for more than 30 seconds (with or without symptoms). Response levels differ from person to person. Mayo Clinic College of Medicine and Science, Mayo Clinic Graduate School of Biomedical Sciences, Mayo Clinic School of Graduate Medical Education, Mayo Clinic School of Continuous Professional Development, for video Mayo Clinic Minute: Identifying and treating atrial fibrillation, Mayo Clinic on Incontinence - Mayo Clinic Press, NEW Mayo Clinic on High Blood Pressure - Mayo Clinic Press, Mayo Clinic on Hearing and Balance - Mayo Clinic Press, FREE Mayo Clinic Diet Assessment - Mayo Clinic Press, Mayo Clinic Health Letter - FREE book - Mayo Clinic Press, Financial Assistance Documents Minnesota, Implantable cardioverter-defibrillators (ICDs), Sensation of a racing, pounding heartbeat or flopping in the chest (palpitations), Imbalance of substances in the blood called electrolytes such as potassium, sodium, calcium and magnesium, Reduced volume of red blood cells (anemia), often caused by bleeding, Use of illegal drugs, including stimulants such as cocaine or methamphetamine, Inability of the heart to pump enough blood (heart failure), Sudden death, usually only associated with ventricular tachycardia or ventricular fibrillation. : "In some cases people feel their heart palpitating or beating very, very fast or a flip-flop in their heart or chest area. In adults, a typical resting heart rate is 60100 beats per minute, but structural or electrical disorders of the heart can cause it to rise or fall. Your healthcare provider will first ask about your usual activities and conduct a physical exam. Owlet Dream Duo Smart Baby Monitor - HD Video Baby Monitor with Camera and Dream Sock - Heart Rate and AVG O2 Sleep Quality Indicator. A tag already exists with the provided branch name. The word supraventricular means that the arrhythmia originates from the top chamber of the heart. Ventricular Tachycardia. This requires some action. MODERATOR: Dr. Fred Kusumoto is an electrophysiologist at Mayo Clinic. If you feel a message or content violates these standards and would like to request its removal please submit the following information and our moderating team will respond shortly. But he notes that bradycardia isnt often an emergency, so providers have time to choose the right treatment. I track my own sleep, physical activity and heart rate with myFitbit Charge 4, and the Owlet app provides similar bio-intel, but for my son. Video Review: The Owlet Infant Heart Rate And Oxygen Monitor . Nonetheless, if a person suspects anomalies in the rhythm of their heart rate, they should contact a doctor for a diagnosis. I've seen it as low as 82. What can cause heart palpitations and headaches to occur together? https://www.heart.org/en/health-topics/arrhythmia/prevention--treatment-of-arrhythmia. I bought the owlet thinking it would help ease the anxiety of being a first time mom. Then, we can adjust medications or take other steps if we need to.. Conduction disorders, specifically heart block, can cause a disruption to the electrical signals that enable the heart to pump blood to the body and the lungs. medications to manage heart rate or heart rhythm. The Owlet transmits a child's heart rate, blood oxygen levels, skin temperature, sleep quality, and sleep position (Photo: Owlet Baby Care) 2 / 6 The Owlet smart sock monitors a baby's vital . They may use an electrocardiogram (EKG) to measure the electrical signals in your heart, in order to see whether theyre firing correctly. blood-thinning medications to reduce the risk of stroke, such as: It can affect the function of the endothelium, which is the lining within the heart and blood vessels. Owlet does not guarantee your baby's safety. In some cases, atrial fibrillation can be corrected with medication or by administering a shock to a sedated patient's heart. The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. This is because your fast heartbeats dont allow enough time for your heart chambers to fill up before the next beat. This is coming from someone whose kid was in NICU at birth and had choking episodes from reflux. Prevention & treatment of arrhythmia. Sleep deprivation may also contribute to A-fib, but doctors need more research to confirm this. Ventricular tachycardia is an abnormal heart rhythm that happens when you have abnormal electrical signals in your hearts lower chambers (ventricles). Prompt treatment is important for ventricular tachycardia, so dont delay getting help for yourself or a loved one. My resting heart rate fluctuates continuously and quickly, https://www.heart.org/en/health-topics/arrhythmia/about-arrhythmia/tachycardia--fast-heart-rate. Introducing the NEW Owlet Cam 2 with new features that take the Owlet Cam to the next level: Get notified when sound, motion, or crying is detected in your baby's room. Sign up for free, and stay up to date on research advancements, health tips and current health topics, like COVID-19, plus expertise on managing health. I would say 80- 160 is what we go by at my hospital I work at, for a 4 month old but it can vary depending on where you are and what they go by. Triggers like stress, lack of sleep, caffeine, alcohol, smoking or exercise can bring on SVT, or it may be a symptom related to heart, lung or thyroid disease. Circulation. A doctor will do some tests and work with them on a treatment plan. Heart rate: No, this is not normal. It's designed to alert you if your baby stops breathing, but your baby's safety is your responsibility. In general, growing older or having a family history of certain heart rhythm problems (arrhythmias) may increase the risk of arrhythmias that commonly cause tachycardia. Owlet uses pulse oximetry to monitor your baby's heart rate and oxygen level. I know the rates get lower as she gets older, but the rates seem to jump around quite a bit. Owlet's real appeal, though (and, honestly, the only justification for its $359-$459 price tag), is the peace of mind it brings parents of newborns. Some people with tachycardia have an increased risk of developing a blood clot that could cause a stroke (risk is highest with atrial fibrillation) or heart attack. These two variables help give you a view into how your baby is doing. If the rate or rhythm of the heartbeat becomes irregular or is causing distressing symptoms, it is important to seek medical attention. If not, implanting a pacemaker via minimally invasive surgery is the only option to speed up your heart rate, Dr. Baez-Escudero states. It is calculated as a . Find advice, support and good company (and some stuff just for fun). Yes, I also want to receive the CNET Insider newsletter, keeping me up to date with all things CNET. other information we have about you. Within a few seconds it will jump anywhere between 110-80 while she's in a deep sleep. What's way more important than any HR. Group Leaders communicate with staff moderators and escalate potential violations for review, but they dont moderate discussions. Wearing a 24-hour monitor can also help your doctor see how your heart performs over time. Getting enough rest is important for the body to function properly. If you already have heart disease, monitor it and follow your treatment plan. Treatment for ventricular tachycardia involves managing any disease that causes the condition. In a typical heart rhythm, a tiny cluster of cells at the sinus node sends out an electrical signal. In a typical heart, this heart signaling process usually goes smoothly, resulting in a resting heart rate of 60 to 100 beats a minute. It is normal for oxygen levels to fluctuate throughout the day, as well as with activity. It's a smart sock that alerts you if the baby stops breathing, basically. Age is the most common risk factor for developing bradycardia. Considering how much the necessity for "peace of mind" decreased for me even over the first year, it's hard to say whether the extended age and weight range is worth the price hike just for keeping tabs on "well-being.". When your heart muscles are fibrillating (twitching), they arent pumping blood to your body at all. When the electrical signals reach the ventricles, the chambers contract and pump blood to the lungs or to the rest of the body. Oxygen level refers to how much oxygen is in the blood. Accessed Oct. 6, 2021. If you feel like your heart is beating too fast, make an appointment to see a health care provider. Common types of tachycardia caused by irregular heart rhythms (arrhythmias) include: Mayo Clinic electrophysiologist Fred Kusumoto, M.D., explains what happens in the heart to create atrial fibrillation and what can be done to fix it. SVT is marked by periods when you have a very fast heart beat, in the range of 150 to 220 beats per minute, per the Mayo Clinic. According to the American Heart Association, a person with supraventricular tachycardia who wishes to slow down their heart rate can try several types of Valsalva maneuver. It was working perfectly for us up until this morning around 3am. As a result, the normal rhythm tends to slow down.. Medical News Today has strict sourcing guidelines and draws only from peer-reviewed studies, academic research institutions, and medical journals and associations. Learn more here. This may occur with dehydration and salt depletion. More Than a Monitor. Due to this, we do not recommend using the Smart Sock when your baby is awake and . Watch and save video clips to your personal device. We were getting red alerts and would rush in and wake baby to NOTHING. Learn about what a persons heart rate should be here. It controls how quickly the top and bottom heart chambers pump blood through the body. Track Heart Rate, Oxygen and Sleep for Baby - Owlet Nordic I think of the infant-sized Owlet Smart Sock as a security alarm on a house that doesn't have doors yet. Zimetbaum, P. (2012). In sinus tachycardia, the heart rate increases but continues to beat properly in the normal rhythm. Aww. Elsevier; 2018. https://www.clinicalkey.com. Do you notice fluctuations in the heart rate and could you share what tends to be normal for your sleeping babies? "While I like the Owlet Baby Monitor, I can't recommend it as a priority purchase until the price drops or the feature list grows," he wrote. How the heart works. You can take your own heart rate easily by putting a finger over your pulse at the wrist, inside of your elbow, side of your neck or top of your foot. Reviews in Cardiovascular Medicine. Did you check their heart rate to compare? Blood can also pool in your heart chambers, causing congestive heart failure. When we got home, I was excited to use the owlet to help me with my anxiety over his health. Use of this site is subject to our terms of use and privacy policy. So I'd say they are around the same range and i'm HOPING that it is normal! Track your baby's heart rate, oxygen levels and sleep all while streaming live video. Perform a physical exam that includes checking your pulse. Learn more about the types of sinus tachycardia here. I wouldn't be worried at all- most people have their heart rate lower at night as it's part of circadian rhythms, When babies are in a deep sleep their heart rate drops. A type of tachycardia called ventricular fibrillation can cause blood pressure to drop dramatically. However, heart rate and oxygen is still used to determine sleep quality. The Owlet bootie tracks heart rate, skin temperature, and rollovers, then downloads that data to your smartphone. Culture, How-To, Tech, Home, Wellness, Money, News, joy of (sometimes useless) data collection, Owlet's Smart Sock isn't a medical device, CNET's David Priest reviewed the original Owlet Smart sock. "That's a very normal thing and a sign of good heart health," says Dr. Lahiri. Experiences using the owlet : r/beyondthebump - Reddit It can affect the sympathetic nervous system, causing changes in breathing and heart rate. Group Leaders arent expected to spend any additional time in the community, and are not held to a set schedule. Doctors consider a low heart rate to be 60 beats per minute (bpm) and below. and our Make your tax-deductible gift and be a part of the cutting-edge research and care that's changing medicine. Your doctor is completely right about a oxygen saturation monitor not being accurate with heart rate- that's why we use heart monitors at the hospital. A normal resting heart rate for adults ranges from 60 to 100 beats per minute. This morning we received a red alert. jlamendo/ha-sensor.owlet - Github MODERATOR: This is a normal heartbeat. The views expressed in community are solely the opinions of participants, and do not reflect those of What to Expect. According to some studies, females with A-fib are more likely to experience symptoms than males. yes, he was sound asleep and calm as a cucumber :(. In: Cardiac Electrophysiology: From Cell to Bedside. However, many factors can cause a person's heart rate to be higher or lower than. Heart defects or damage can lead to AFib, and having obesity, high blood pressure, a metabolic disorder, kidney or lung disease, diabetes or sleep apnea can all increase your risk. I brought up the low oxygen readings with my pediatrician and she was more concerned about me using a retail level monitor than the low oxygen. At night he wears his owlet sock and at around 4 am the alarm went off that his heart rate was over 220 bpm. Your heart rate jumps up and down throughout the day based on things like your activity and emotions, but a wildly fluctuating heart rate may signal an underlying problem. Seek emergency help immediately to avoid the risk of cardiac arrest and death if you have these symptoms of a potentially fatal ventricular tachycardia: When you have abnormal electrical signals in your ventricles (lower chambers of your heart), they get in the way of normal signals from your sinoatrial node that usually controls your heart rate. Many types of irregular heart rhythms (arrhythmias) can cause tachycardia. That promise is just vague enough to sound appealing without actually making any claims about utility. I feel like it has to be somewhat decent since her oxygen level typically reads 99-100%. The sections below will look at some of these in more detail. Recognizing the Symptoms of Atrial Fibrillation - Heart Health Center It will not tell you the factor that is causing an issue. There are several types of tachycardia. But to take the pulse, the sensor has to be placed on the back of the baby's pinky toe. Mayo Clinic. Accessed Oct. 5, 2021. What is catheter ablation? We have an owlet monitor. Some people experience heart rate fluctuations for years, and for other people, the symptoms never go away. Be sure to go to all follow-up appointments, especially if you received a medical device as part of your treatment. Sinus tachycardia occurs when the heart rate increases due to expected reasons, such as during exercise, if a person is feeling anxious, or during periods of dehydration. Gillis, A. M. (2017). After all, your heart rate "is one of the most sensitive markers to understanding what's happening with your heart," says Suzanne Steinbaum, DO, a cardiologist in New York City. Advertising revenue supports our not-for-profit mission. Once the doors (and locks) are installed -- once your child can roll over on their own -- you might still want an alarm, but its exigency goes way down. This article will examine several possible causes of a heart rate that is jumping up and down, beginning with some structural and electrical disorders of the heart. His heart rate returned to normal. Eliminate guesswork around naptime with Predictive Sleep Technology in the Owlet Dream App For most people who are younger, highly trained athletes and people who work out regularly, a low heart rate while exercising defined as below 60 bpm is normal and healthy. I too use the owlet and watch her stats jump around. Instead of following a regular pattern, the heart rhythm changes within a short time. The Owlet is baby monitor that measures an infant's heart rate and oxygen level via a wireless sock they wear while sleeping. Scientists use genetic rewiring to increase lifespan of cells, Beyond amyloid and tau: New targets in developing dementia treatments, Napping longer than 30 minutes linked to higher risk of obesity and high blood pressure, Activity 'snacks' could lower blood sugar, complication risk in type 1 diabetes, In Conversation: Investigating the power of music for dementia, What to know about the heart rate during a heart attack. Use stimulant drugs such as cocaine or methamphetamines. Did not feel warm My almost 6 month has awaken every night now at least twice for 3 days in a row.She usually does not scream when she first wakes, I cant figure out what is wrong.I just so happened to check her owlet & her heart rate was up to 131. Many things can bring on a slow heart rate. That's why we created the Owlet Dream Sock baby monitor - the ultimate tool to understand your baby's sleep & wellness. New Smart Monitor Alerted Mom When Her Baby Stopped Breathing - PR Newswire But the appetite for monitoring baby vitals has only increased in the years since Owlet's launch, and the smart baby monitor field is crowded with competitors like the Nanit Pro, Cubo AI and Miku Smart Baby Monitor, which measure and track breathing, oxygen levels, temperature, sleep quality and other stats, organizing it all in visually appealing charts and graphs that data-hungry millennial parents like me eat right up. I've seen it as low as 82. Dehydration can affect a persons mental and physical function, including their heart rate. "Heart rate is the number of times the heart beats per minute," explains Sameer Arora, MD, a cardiologist with the University of North Carolina School of Medicine in Chapel Hill. In tachycardia, an irregular electrical signal (impulse) starting in the upper or lower chambers of the heart causes the heart to beat faster. Your pulse will move faster and slower with your respiratory cycle. Products. Video Review: The Owlet Infant Heart Rate And Oxygen Monitor - Fatherly The prognosis is worse if your left ventricle doesnt work well. : "In atrial fibrillation, instead of the atria squeezing in a normal regular fashion, the atria beat irregularly and chaotically.". Once I saw it read 74. A wide range of health conditions can lead to PSVT, such as hypothyroidism, some types of heart disease, lung disease, and pulmonary embolism. Bashir MU, et al. Mayo Clinic. (2021). Smart Sock: Tracking Baby's Heart Rate and Oxygen Level 2023 CNET, a Red Ventures company. Many people live with arrhythmia, and by 2030, experts foresee that atrial fibrillation the main cause of arrhythmia will affect over 12 million people in the United States. The signal then travels through the atria to the atrioventricular (AV) node and into the ventricles, causing them to contract and pump blood. Merck Manual Professional Version. My baby spent the first 6 days of his life in the hospital, one night in NICU and two nights under the bili light machine for a bad case of jaundice. When we got home, I was excited to use the owlet to help me with my anxiety over his health. Only on the app. This educational content is not medical or diagnostic advice. Get editors' top picks of the day, the most interesting reviews, news stories and videos. American Heart Association. However, some people have an irregular heart rhythm that causes their heart rate to jump between high and low. Our wellness advice is expert-vetted. Be sure you understand your treatment plan, and take all medications as prescribed. More posts you may like Learn more about. 9500 Euclid Avenue, Cleveland, Ohio 44195 |, Important Updates + Notice of Vendor Data Event, (https://www.heart.org/en/health-topics/arrhythmia/about-arrhythmia/tachycardia--fast-heart-rate), (https://www.heart.org/en/health-topics/arrhythmia/prevention--treatment-of-arrhythmia/ablation-for-arrhythmias), (https://www.merckmanuals.com/home/heart-and-blood-vessel-disorders/abnormal-heart-rhythms/ventricular-tachycardia?query=ventricular%20tachycardia), (https://www.nhlbi.nih.gov/health-topics/catheter-ablation), (https://medlineplus.gov/ency/article/000187.htm), (https://medlineplus.gov/ency/article/007200.htm), (https://www.ncbi.nlm.nih.gov/books/NBK532954/), Heart, Vascular & Thoracic Institute (Miller Family). Panchal AR, et al. (2016). I feel like thats really low! By signing up, you will receive newsletters and promotional content and agree to our. These include: If youre concerned about a low heart rate, visiting your physician can help determine the causes. Rhythm refers to the electrical system of the heart. Owlet Smart Sock baby monitors are the subject of a recent proposed class action lawsuit that claims the devices do not monitor babies' heart rates and oxygen levels as promised and can burn infants' feet even when used properly. But what I can say is that, after taking my son to the emergency room recently for an allergic reaction that left his entire face swollen and his heart rate spiking, it would have been nice to bring him home with an Owlet Smart Sock. I havent had this issue with my owlet but I have heard that they have amazing customer service. She has started coughing a little bit since I put her down for bed around 645. Some of the key benefits to parents include: Fits both smaller and bigger babies than Smart Sock 2: Smart Sock 3 fits babies from about 5 lbs to about 30 lbs. Its normal to have a low heart rate while sleeping. On the other hand, the rapid and irregular heartbeat can cause people to feel like the heart is jumping around, thumping, racing, or galloping, says John Miller, MD, an electrophysiologist at. Follow a heart-healthy diet and exercise plan that your healthcare team recommends for you. National Heart, Lung, and Blood Institute. It may be the case that the owlet is too stressful for some people. When purchased online. think twice before sharing personal details, foster a friendly and supportive environment, remove fake accounts, spam and misinformation, delete posts that violate our community guidelines, reviewed by our medical review board and team of experts. I have the owlet sock for my four month old son. Tachycardia may not cause any symptoms or complications. My son is 2 weeks old. Create an account or log in to participate. Launched in 2015, the original Owlet Sock monitors heart rate, blood oxygen level and sleep patterns, and fits babies up to 18 months (or about 30 pounds). Bradycardia, or a low heart rate, is more likely as you age and could be a sign of health issues. In adults, a typical resting heart rate is 60-100 beats per minute, but structural or electrical disorders of the heart can cause it to rise or fall. The most recent accurate reading before . New Owlet Smart Sock Plus monitors your kid's vitals up to age 5 At Owlet, we believe parents deserve more than a few how-tos and a pat on the back as they leave the hospital with a newborn. Treatments include ablation and an implanted . Paroxysmal supraventricular tachycardia (PSVT) can cause a persons heart rate to spike suddenly, then return abruptly to the usual rate. Tachycardia is an increased heart rate for any reason. Last reviewed by a Cleveland Clinic medical professional on 06/12/2022. Gear. Supraventricular tachycardia can happen when there is a problem with the hearts electrical circuit or a heartbeat originates in the atrium outside of the sinus node. While I still wake several times every night to make sure he's OK, the anxiety has cooled to a low simmer compared to the early days, when I'd wake with a start, convinced by my half-conscious lizard brain that my son had stopped breathing. We strive to provide you with a high quality community experience. To diagnose ventricular tachycardia, your healthcare provider will: An electrocardiogram (ECG/EKG), which records your hearts electrical activity, is the most common test for diagnosing ventricular tachycardia. Ive spoken with customer care they told me sometimes theres a glitch and the owlet doubles the heart rate for a split second. Within a few seconds it will jump anywhere between 110-80 while she's in a deep sleep. Accessed Oct. 6, 2021. Arrhythmia does not always cause serious health problems, but seeking medical advice is important in reducing the risk of developing complications. National Heart, Lung, and Blood Institute. This prevents the heartbeat from originating in the sinoatrial node, which creates sinus rhythm. This can vary when your little one is filling their diaper or eating. Usually, you can go back to regular activities within a few days of leaving the hospital. I have notified my drs office and am waiting to hear back. Is the ketogenic diet right for autoimmune conditions? It's a data geek's Hallmark card: My BPM calms at your voice. I have never seen it do this before so I checked to make sure it wasn't loose. A low heart rate of 60 beats per minute (bpm) and below occurs frequently in older adults and is considered normal unless you have symptoms like heart palpitation. Your heart cant pump enough oxygen to every part of your body. We have an Owlet also and my 4 month old's heart rate is usually around 105-120 when he's awake but averages around 90-95 when he's asleep. Seek medical help immediately if you have chest pain, shortness of breath, weakness or dizziness. Movement Detection - Help Center Ventricular tachycardia. Whats a normal heart rate for an almost 4 mo old? This educational content is not medical or diagnostic advice. Learn about how much water a person should drink per day here. If those things are all normal, than we don't care if an individual baby has HR on the low end while sleeping. Ventricular Tachycardia: Causes, Symptoms and Treatment - Cleveland Clinic Use of this site is subject to our terms of use and privacy policy. This kind of baby tech can start to seem like a solution in search of a problem. Right away I picked him up and he was sound asleep so I took him out of his sleep sack, he was fine, I turned the base station on and off and it was back to green and normal. But keep in mind that accuracy can vary in these products. Other symptoms of atrial fibrillation include: Like AFib, an atrial flutter happens when electrical signals get mixed up, and the upper chambers of the heart pump very rapidly, per Johns Hopkins Medicine. Allscripts EPSi. It will also detail possible behavioral and environmental causes, such as stress and dehydration, and explain when a person should contact a doctor. Owlet: The Infant Heart Rate Monitor that Gives You Peace of Mind Privacy Policy. Sinus tachycardia refers to a typical increase in the heart rate often caused by exercise or stress. So so thankful it helped it was so scary. Accessed Sept. 30, 2021. Your resting heart rate is when your heart is doing the least amount of work. It can be a usual rise in heart rate caused by exercise or a stress response (sinus tachycardia). American Heart Association: All About Heart Rate (Pulse), Johns Hopkins Medicine: Heart Rhythms: What's Normal Versus Cause for Concern?, American Heart Association: Understand Your Risk For Arrhythmia, MemorialCare: Abnormal Heart Rhythms (Arrhythmias), American Heart Association: Arrhythmia, American Heart Association: About Arrhythmia, American Heart Association: Other Heart Rhythm Disorders, Mayo Clinic: "Supraventricular tachycardia", Harvard Health Publishing: "Want to check your heart rate?
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As a part of Jhan Dhan Yojana, Bank of Baroda has decided to open more number of BCs and some Next-Gen-BCs who will rendering some additional Banking services. We as CBC are taking active part in implementation of this initiative of Bank particularly in the states of West Bengal, UP,Rajasthan,Orissa etc.
We got our robust technical support team. Members of this team are well experienced and knowledgeable. In addition we conduct virtual meetings with our BCs to update the development in the banking and the new initiatives taken by Bank and convey desires and expectation of Banks from BCs. In these meetings Officials from the Regional Offices of Bank of Baroda also take part. These are very effective during recent lock down period due to COVID 19.
Information and Communication Technology (ICT) is one of the Models used by Bank of Baroda for implementation of Financial Inclusion. ICT based models are (i) POS, (ii) Kiosk. POS is based on Application Service Provider (ASP) model with smart cards based technology for financial inclusion under the model, BCs are appointed by banks and CBCs These BCs are provided with point-of-service(POS) devices, using which they carry out transaction for the smart card holders at their doorsteps. The customers can operate their account using their smart cards through biometric authentication. In this system all transactions processed by the BC are online real time basis in core banking of bank. PoS devices deployed in the field are capable to process the transaction on the basis of Smart Card, Account number (card less), Aadhar number (AEPS) transactions.