Core Banking Solution (CBS)
is networking of branches, which enables Customers
to operate their accounts, and avail banking
services from any branch of the Bank on CBS
network, regardless of where he maintains his
account. The customer is no more the customer
of a Branch. He becomes the Bank’s Customer.
Thus CBS is a step towards enhancing customer
convenience through Anywhere and Anytime Banking.
All CBS branches are inter-connected with each
other. Therefore, Customers of CBS branches
can avail various banking facilities from any
other CBS branch located any where in the world.
These services* are:
-
To make enquiries about
the balance; debit or credit entries in the
account.
-
To obtain cash payment
out of his account by tendering a cheque.
-
To deposit a cheque for
credit into his account.
-
To deposit cash into the
account.
-
To deposit cheques / cash
into account of some other person who has
account in a CBS branch.
-
To get statement of account.
-
To transfer funds from
his account to some other account –
his own or of third party, provided both accounts
are in CBS branches.
-
To obtain Demand Drafts
or Banker’s Cheques from any branch
on CBS – amount shall be online debited
to his account.
-
Customers can continue
to use ATMs and other Delivery Channels, which
are also interfaced with CBS platform.
-
All these aim to provide
convenient, efficient, and high quality banking
experience to the customers, comparable to
world class standards
A CBS branch is like a Sales
& Service Delivery Center. Back office processes/activities
are handled through technology at some other
site, called Data Center. Branch, therefore,
has more time for serving customers. This improves
the quality and efficiency of the services rendered
and the customer is directly benefited by way
of satisfying and happy banking experience.
Since a CBS branch is essentially
designed to focus on customer-interface and
customer service, the special lay-out and ambience
of the branch is made to provide a convenient
and delightful banking experience. The Customer
Service Representatives / Executives at the
branch are specially trained to understand,
facilitate and deliver banking services efficiently
and effectively.
Our Core Banking Solution (AutoBank
Enterprise) has been developed keeping
the co-operative banking sector in mind. Since
we provide solutions exclusively in this sector
only we have better understanding of different
ways in which Co-operative Banks work as against
Scheduled and Private banks.
Centralized Processes: Many processes are centralized
at the HO level where the servers are hosted.
a. Open Day and Close Day
b. Interest Applications
c. Charges Application
d. Backup / Restore
e. Customer Communication printouts like reminders/
statements etc.
f. Loand And Advances accounts follow up
Branch Identity: Our solution
has a unique feature of branch identity. Since
in major core banking solutions individual branch
looses its identity, in our solution it is possible
to take our individual branch Balance Sheet
and Profit and Loss every day
Reporting:
All reporting is centralized. All branches do
not have to send any report to Head Office.
It is possible to take out all reports at Head
Office for any branch.
Platform
Independent Solution: AutoBank
Enterprise works on Oracle and since Oracle
is available on all major platforms (Windows,
Linux, Unix) it is possible to adopt any platform
and also on the client side it is possible to
have Windows, Linux or Thin clients.
Easy
Upgrade: We provide easy upgrade
facility for our existing AutoBank (Dos and
Windows) users, with complete support, training
and guidance.
Multi-Delivery
Channels: As may be seen in
the diagram software supports multi –delivery
channels like :
a. Mobile Phones (Mobile Banking)
b. Standard Telephone (Tele Banking)
c. Browser and Email ( Internet Banking)
d. Remote Terminals (Remote Banking)
e. ATM
f. Lobby ATM
g. Touch Screen Terminals
On-Time
Alerts: One of the unique features
of this software is the One-Time Alerts. In
this age of mobile phones, we provide alerts
on the mobiles under following three different
conditions:
a. Happening of Events: The
software can be configured to handle any number
of events and the targets can be one or a group
of mobile phones (of customers or bank officers).
For Example, a customer can get alert if there
is a major transaction of any type (Cash or
Transfer) in his account. An officer of general
manager will get alert on his mobile if there
is a TOD happening in any account in any branch.
b. Broad Casting: In this case
bank is able to broadcast standard or customized
message to one or more account holders. For
Example, deposits getting due for maturity,
Loan Installment getting due, Documents getting
due for renewal etc.
c. Pulling Information: under this
condition the client can pull information required
for his account like: Balance, Mini Statement,
debit cheques effecting today, interest rates,
etc.
The security has been enhanced
to the required level with following main features.
1. Database Security: Oracle provides one of
the best security in the industry for databases.
2. Communication Security: All communication
between clients and Servers are encrypted using
128 bit or higher level encryption.
3. Application Level Security: We provide one
of the best Application Level Security with
standard features like:
a. Maker and Checker concept
b. Users Levels and configurable rights
c. Individual User can also be further configured
for rights
d. Dual Access Control parameters
e. Complete Audit trail of all transactions
and changes happening on the database.
f. Terminal Level Security: Only configured
terminals can be allowed access to all or specified
modules of the software
We have designed special report
writer which facilitates bank in developing
Ad-hoc reports as and when required. This allows
them to feed all details at the time of Audit
or RBI inspection. Not only this but this ad-hoc
reports can be saved for use in future as standard
report templates. This report writer can give
report on following main area.
1. Balance Sheet, Profit and
Loss and General Ledger level.
2. Sub Ledger Level
3. NPA
4. Graphical Reporting
5. Ratios
6. Any other type adhoc report
These reports are available for
any period or for comparative period and for
all branches combined or for any particular
branch
| Branch Office Modules
|
|
General
Ledger with B/s and P&L |
Branch/Bank
Reconciliation |
|
All
Sub ledgers - Savings, Current, Advances.
|
Officer's
Checking and Authorization Module |
|
All
Deposits, Cumulative, Non Cumulative,
Open Maturity, Automatic renewal, Cash
Certificates, Monthly Interest and Recurring
Deposits |
Suspense
Account Maintenance and Pay orders |
|
Daily
Deposits |
|
Drafts
and Remittances |
|
Clearing
Inward/Outward, National |
Signature
Storage and Retrieval |
|
Security
and Audit Trail |
Cashiers
Module |
|
MIS
and RBI Reports |
Customer
Enquiry Window |
|
IBC/OBC |
NPA
(Subject to certain rules) |
| Head Office Modules |
|
Branch
Consolidations for Daily Balance Sheet/P
& L, Outward Clearing, Form No.
1 and 9, MIS Reports for Branch wise/
Total, Balance Sheet Reporting |
Inward
Clearing Module, Generates branch wise
report and floppy for direct debit at
branch |
|
Payroll
and Staff Loans |
|
Inter
Branch Transfer Module, Operates like
Clearing House for branches |
District
Bank Statistical Reporting |
|
Share
Accounting and Shakh Reporting |
|
Suit
files |
Locker
Modules |
| Extra Advance Banking
Modules |
|
Fax
On Demand |
Tele
Banking |
|
Customer
Remote Terminal |
SMS/Mobile
Banking |
|
Internet
Banking |
Inter-Branch
Any Where Banking |
|
Centralized
Server Banking |
Core
Banking |
|
Touch
Screen Terminal |
ATM
Software |
|
Nabard
(Gramin Bank) Module |
PIN
Implementation |
|
Assets
Management Module |
Customer
Relationship Module |
| Easy Interface with |
|
Fax-
Modem |
Pass
Book Printer & Line Printer |
|
MICR
Encoder |
ATM
Machine |
|
Scanner |
Digital
/ Web Camera |
|
Punch
Card Machine |
Touch
Screen Machine |
| Support Network Details |
|
Gujarat Network |
Rajasthan Network |
|
Vadodara |
3 |
Ahmedabad
|
18 |
Kota
|
1 |
|
Bharuch |
1 |
Surat
|
1 |
Sirohi |
1 |
|
Anand,
Nadiad |
3 |
Godhra,
Dahod |
3 |
Jaipur |
1 |
|
Visnagar,
Vadnagar |
2 |
Mahesana |
2 |
Jodhpur
|
1 |
|
Jamnagar,
Rajkot |
2 |
Bhavnagar
|
1 |
Jhalore |
1 |
|
Junagadh |
1 |
Surendranagar |
1 |
Bhavanimandi |
1 |
|
Himmatnagar |
2 |
Modasa |
1 |
Bundi
|
1 |
| General Features |
|
ISO
9001:2000 Certified |
CISA
Audited |
|
Y2K
Compliant |
Advanced
Security |
|
Bugs
Free & User Friendly |
Local
Support at All Centers |
|
All
Factors Covered with 675+ Reports |
Online
Help & User Manual |
|
Continues
Devp. & Version Upgrade |
17
Years Stability |
|
75+Experts
for Develop & Support |
Unlimited
onsite Training |
|
Major
Kind of Old Data Transfer Facility |
Single
Window Operating Facility |
|
Highest
installation in Co-Op. Sector |
Fully
Parameterized & Support Free |
|
Speed
and Accuracy |
Training
Center Facility |
|
0%
Failure Software |
25%
Clients Switched over From Others |
|
Specific
Co-Operative Banking Covered |
RBI
& TDS Forms Module Covered |
|
All
Updates By RBI Covered |
Low
Cost Solution & Minor Maintenance |
We provide following services
and support in addition to our standard Banking
Solutions:
Customization:
We provide all minor customization and some
additional reports free of cost in the first
year and also in subsequent years under Maintenance
Contract
Training
and Implementation: We have
standard training sessions designed to upgrade
your staff in Computer Knowledge and Banking
Software knowledge. We provide complete implementation
support from end to end.
Data
Migration Support: We provide
data migration services from any existing software
to our software. Since we have done conversion
from many vendors to our software we are confident
of almost 100% conversion of data.
Post
Implementation: We provide post
implementation support on site. Our on site
support has been almost the best in the industry
and therefore we have major market share in
Gujarat and Rajasthan.
Total
Solution Approach: we are able
to provide total solution approach by providing
following services
a. Network Design and Implementation
(LAN and WAN)
b. Banking Software
c. Complete Hardware including UPS
d. Training
e. Post Implementation Support
f. Annual Maintenance of Hardware, Software,
UPS
g. Consulting
Recently we have implemented stringent
controls on Change Management (Changes in the
software functioning). We have implemented procedures
for handling typical smaller and core changes
in the requirements of the bank. Post changes
Quality Check has also improved a lot. The procedure
is described below.
|
