e-Bank (CBS)

e-bank-cbs1

e-Bank CBS offers full retail functionality, from the front through to the back office, Cash Management and product lifecycle management. e-Bank (CBS) is built to deliver in time and with the prevalent best-practices in the Co-operative Banks.

e-Bank (CBS) offers banks a truly browser based / web based solution with the opportunity to meet present challenges with following salient features

  • Advanced service-oriented multi-tier Architecture with latest technologies
  • Reporting can be generated at any stage of Application Life Cycle
  • Extremely cost efficient
  • User-friendly Interfaces
  • Empaneled  with NAFCUB for implementing Core Banking System in Co-operative Banks

e-Bank (CBS) Features

    • IP Base Security
    • Ajax Based Application
    • Dual Connectivity with VPN (Virtual Private Network)
    • Host to Host NEFT/ RTGS facility
    • Inter Branch Transaction
    • Reliable, scalable and secure hardware infrastructure
    • Adhaar Card Mapping
    • Customer centric solution
    • Interfaces To External Delivery Channels
    • Calculation Method Highly Parameterized
    • Supports Multiple Delivery Channels
    • Data centre & disaster recovery centre
    • Regular Functional Upgrades and Secure Application
    • Ho Module: Share, HR Payroll, Investment, Dead stock
    • All Daily Reports, DICGC, Financial Intelligence Unit (FIU), ALM and MIS
    • RBI Reports (CRR, SLR, Form 1, Form 9, And Monetary Aggregate)
    • SOSS ( Statement of Assets & Liabilities, Statement of Earning, Statement of Assets quality, Statement of Non Performing Assets, Statement of Segment / Sector, Statement of Connected Lending, Statement of CRAR, Statement of Bank Profile)
    • Report (Consolidated GLB, Consolidated Profit & Loss, Revenue Statement, Balance Sheet)

 

e-Bank (CBS) Modules

Core Modules
  • Customer Management
  • User Management
  • Deposit Module like Saving Account, Current Account, Term Deposit and Recurring Deposit
  • Loan and Advances like Over Draft, Cash Credit, Term Loan Demand Loan
  • NPA Management
  • Inventory Management
  • Inward and Outward Clearing
  • Standing Instruction
  • Reports like Daily Reports, MIS and RBI Reports
  • Form15G & 15H
  • Biometric user Authentication

 

Head Office Modules
  • Share Module
  • Investment
  • Dead Stock
  • Hr-Payroll
  • Regulatory Compliance

 

Other Modules
  • Locker Module
  • CTS
  • ECS
  • NEFT-RTGS
  • SMS Alert
  • PMJJBY Scheme
  • C-KYC
  • Balance on missed call
  • UPI(unified Payment Interface)
  • IMPS
  • Utility bill payment services
  • Mobile Banking

 

Delivery Channel Support
  • H2H NEFT / RTGS Interface for Co-operative Banks
  • ATM Interface
  • Internet Banking Interface
  • Financial Inclusion Interface
  • Pygmy Interface
  • DBTL Interface for NPCI
  • ECS Credit Interface for NPCI
  • Account Validate Interface for PFMS

 

Centralized Process
  • Centralized day end /day begin process
  • Interest Application
  • Charges /Fee Application
  • Inward /Outward Clearing process
  • Report generation
  • Cash Management
  • Nonperforming Assets(NPA) Management
  • Standing Order execution

 

Security Features of e-Bank (CBS)

  • User passwords in encrypted
  • Password expiration and user disablement
  • Personal permissions on banking services
  • Unique session identifiers and secured session details storage
  • Data stored, sent over network are in encrypted form
  • User can login only from registered IP Address

 

Salient Features of Stellar’s Network Structure for e-Bank (CBS)

  • Highly compatible with the rural and other areas having limited connectivity because of Dual Connectivity
  • Secure Connectivity with IP-Sec Virtual Private Network
  • Automatic Link switchover system for smooth Connectivity
  • Supports real time monitoring of Network System
  • Supports Intrusion Prevention System
  • Dual layer Security for Network
  • Easy to manage and Integrate
  • Dual, High bandwidth lease Line on Fiber at Data Center
  • Four layer security system at Data Center and DR Site
  • Supports Wired and Wireless both media for Network Link
Stellar Informatics (P) Ltd. has more than 19 years of experience in software development, with a specialization in banking and financial services.