AccFina - Core Banking Solution

AccFina=Core Banking Solution

Softbee Consultancy Services Pvt Ltd Partnered
with M/s Bloom Electronics Private Limited
Welcome
To
Softbee - CBS Presentation

AccFina – CBS Accurate Financial Transactions

Solution For All Time Banking (Version 1.0 Copyright Softbee)

AccFina - Core Banking Solution
Softbee – AccFina Growth Path

2002 Year of Incorporation

2004 Release of TBA version of ACCFINA

2006 TBA Implemented in various Urban Co-Op Banks and Societies

2008 Release of Integrated version of TBA with HO

2010 Implemented TBA with HO in DCC Bank segment

2012 Release of initial version CBS on JEE Technology

2014 CBS Online in DCC Bank and Urban bank segment

2009

Solution For All Time Banking (Version 1.0 Copyright Softbee)

AccFina - Core Banking Solution

AccFina - CBS - Highlights

Complete banking suite to cater to the needs of Retail Banking Segment

Supports multiple delivery channels (ATM, Mobile Banking, Tele-Banking, POS, Kiosks and Internet
Banking) with consistent view of customer account information across channels.

Scalable solution to any number of customers and increased voluminous transaction and Intigratable
features with PACS,

Capable of handling heavy transaction and data integrity and security across channels and flexibility to
add new services and delivery technologies as customers demand.

Fault tolerance to isolate the impacts of system downtime from the customer.

Efficient and quick product offerings based on market demands

Allow Optimum utilisation of existing Infrastructure and minimise cost of investment

Easy and seamless migration to CBS system from TBA

Solution for All Time banking

AccFina - Core Banking Solution

AccFina - CBS - Functional Modules

Special Features

Customer Information as per KYC and AML norms

Reminder module
Asset Liability Management
Revenue Recovery module
Loan re-phasing and re-scheduling
User configurable report generation
Dynamic User Menus based on Access control list
Automated clearing module

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - Functional Modules

• Retail Banking
• Electronic Delivery Channel Integration
• Head office
Retail Banking
• Management Information System
• Branch Administration
• Customer & Account Management
• General Ledger • Pigmy/Daily Deposit Collection
• Account Instructions and Utilities • Locker Module
• Current and Savings Accounts • Signature Verification
• Demand and Term Deposit • Standing Instructions
• Loans and Advances • Payment & Transfer
• Bills and Collections • Institution Salary & Deductions
• Clearing – Inward, Outward & Pooling Branch • TDS
• Remittance • Queries
• Bank Guarantee, LC / Discount / Collection
• Teller
• NPA Management

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - Functional Modules

• Retail Banking
• Electronic Delivery Channel Integration
• Head office

Electronic Delivery Channel Integration –

(Interface for Customer Delivery Channels)

ATMs (VISA and Master Card and Rupay)

Internet/SMS/ Mobile Banking
Point of sale (POS)
IVRS
Bank on wheels
Kiosk
Financial Inclusion

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - Functional Modules

Interface to Payment System

RTGS
NEFT
RUPAY

Solution For All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - Functional Modules

• Retail Banking
• Electronic Delivery Channel Integration
• Head office
Head Office – AccFina

HO Accounting
Share and Membership Management
GL and Consolidation
Inter Branch/Bank Reconciliation
Payroll & Personnel management System
Investment and Barrowings
Inventory and Fixed Asset Management

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - Functional Architecture

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS
Region / Head Office level consolidation for analysis
MIS
Consolidation

Credit
NABARD
& and
NPArelated
Consolidation Reports
of
Scheme statements
consolidation
Statutory
specific Data
MIS
Statistical
Asset LiabilityRisk
Management (ALM) based Reporting
Based Reports

2004

2009

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - Security Features

Application Security
• Parameterizable Menu Security System for fine-grained role based access control as per
RBI recommendation
• Encrypted storage of passwords (both user as well as system passwords)
• Comprehensive Audit Trails of activity on the system
• Optional Encrypted Storage of all data
• Central control of users
• Comprehensive user activity details

Database Security
• Authorized users only to access / modify the pre-authorized data
• Network access to database pre-defined on user / level limits

Network Security
• Secured transmission of data over the network between branch and the central host
• Data display is blocked during entry as well ‘on-screen’
• Remote management control of software

Solution for All Time Banking

AccFina - Core Banking Solution

Technical Environment

Operating System – Application Servers : LINUX JBOSS EAP

Operating System – Database Server :RedHat Linux Enterprises Linux (RHEL) 5.0

Operating System – Client : RedHat Linux 6.1 or Windos

Browsers : IE 7 upwards or Mozilla Firefox 3.5

Database : Oracle 10g upwards

Hardware : Intel/AMD based system

Technology : JAVA J2EE, Spring Frame Works

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - H/W & Networking components

At Data Centre
• Application Server (Intel Xeon, 16 GB RAM, 300 GB HDD ( Raid, Redundant Power Supply)
• Data Base Server (Intel Xeon, 32 GB RAM, 300 GB HDD ( Raid, Redundant Power Supply)
• SAN / NAS
• Firewall
• Cisco 2821 Router, L3 Switch, LL Modem, Rack
• 2 MBPS MPLS/LL lines, ISDN as Backup
At DR Site
• Application Server (Intel Xeon, 16 GB RAM, 300 GB HDD ( Raid, Redundant Power Supply)
• Data Base Server (Intel Xeon, 32 GB RAM, 300 GB HDD ( Raid, Redundant Power Supply)
• SAN / NAS
• Cisco 2821 Router, L3 Switch, LL Modem, Rack
• 2 MBPS MPLS/LL lines, ISDN as Backup
At Branches
• Desktops with 1 GB RAM with Browser
• Printers/Scanners as per the Bank requirements
• Cisco 1841 Router, LL Modem, Switch Rack
• 64 / 128 KBPS MPLS/LL lines, VPN or ISDN Lines as Back up

Solution for All Time Banking

AccFina - Core Banking Solution

AccFina - CBS - DC & DRC Infrastructure

Data Centre Disaster Recovery

Application/ Database/Switch Servers
Centre
Application/ Database/Switch Servers

Storage
Storage

Modem Modem
Switch
Router Switch
Router Firewall 2 MBPS MPLS Lines
(ISDN as backup)

Head Office / Main Branch

MPLS Cloud Router
Internet
Switch

64 KBPS MPLS Lines

(ISDN as backup) Branch
Net Banking

Route Router
Switch
Switch r

POS Debit Card ATM

Mobile / SMS Bkg Branch Branch

Solution for All Time Banking

AccFina - Core Banking Solution

Implementation and Roll out Methodology

Deployment of Hardware, Storage System, Security system at DC and DR Centre

Wide area Networking and establishing connectivity
Installation of System Software (OS RDBMS etc.,)
System Study
Gap Analysis, SRS report and Product customization
Data migration – Mock up and Actual
Pilot Branch Rollout
User Acceptance Test & Training
Roll out of rest of the Branches / Offices

Roll Out - Phases

Data Extraction at Branch and Data Migration at DC

Mock Migration, Review and Correction of Data
Site Inspections to check readiness
Client Software installation at Branches
7 – 15 Days handholding Training/Support at Branches

Solution for All Time Banking

AccFina - Core Banking Solution

Softbee offers for CBS

Complete Turnkey Solution - Investment by the Bank:

Hardware, System software, Networking, App. Software as one time investment including DC
and DR site.
ASP Model (For DC & DRC infrastructure only)– Monthly rental Basis
Hardware, System software, Networking, App. Software, including communication cost -
investment made by Softbee. Cost of Client Side Infrastructure to be borne by The Bank

Multi Channel Integration - Optional

Interface to ATM, POS, SMS Alerts / Internet Banking, Mobile Banking etc.,

Solution for All Time Banking

AccFina - Core Banking Solution

Softbee Turn Key Solutions

Bellary DCC Bank Ltd - 25 Branches

PACS – Bellary DCC Bank Ltd - 100 PACS
Bharath Co Op Bank Ltd - 7 Branches
Sri Kannikaparameshwari Co-Op. Bank – 3 Branches

2004

2009

Solution for All Time Banking

AccFina - Core Banking Solution

– Scope of work System Study, Gap

Analysis , SRS & Product
Customization
Turn Key Solutions
Maintenance of Hardware
Networking,
& Networking
Equipments, OS, Electrification and other
Site Preparation Activity
Application Software

Training, hand holding Complete Project Supply & Maintenance

support and other offices UPS systems
rollout Ownership &
Single Point
Solution

2004
Data Conversion from
UAT & Pilot Branch
Rollout Legacy Software, Capture
Missing Information

2009
Supply & Installation of
O/S and DBMS

Solution for All Time Banking

AccFina - Core Banking Solution

Turn Key Solutions Additional task Handled

– Scope of work
Implementing Government Business and electronic data flow
Multi-Channel Integration with ATM and other Payment networks
Helping clients to Reengineer banking Process to suit computerized environment
Defining and implementing integrated MIS
Automated IBR & other Head Office activities
Helping Banks to conduct IS Audit – prepare Manuals and assist in building audit teams
Helping in Defining Security Policy and implementing them
2004 Recovery Process
Assisting in implementing
NPA maintenance & Monitoring
2009using hand held devices
Daily Deposit collection
Signature and Photo Capture of customers

Solution for All Time Banking

AccFina - Core Banking Solution

Turn Key Solutions Additional task Handled

– Scope of work
Softbee Support System

Client Calls the Project Manager

Soft Bee services Finds the solution to the NOT OK Project Manager
ticketing Br. Escalate the call to Product
specialist

OK
SOFT bee to solve Service Personnel OK
The issue over phone Escalate the call to Project
Manager
NOT OK
NOT OK
NOT OK Service Personnel Call escalate to Bangalore/
Will be pressed For urgent action
OK in to service
2004 OK

Will be documented and Service Personnel OK

close the issue Will document the call and
close the issue
Problem bound to solve
2009 for logical conclusion

Solution for All Time Banking

AccFina - Core Banking Solution

The obvious choice : Softbee and AccFina - CBS

Higher Return On Investment, Lower Total Cost of Ownership – low transaction cost
Low bandwidth usage
Anywhere banking (any branch any customer) / delivery channels
2002
Bank financial results at any time
Easy integration and interfaces
2002
Roll out of new products/ business change can be implemented immediately.
Zero errors and mistakes as HO is having control over the CBS

2004
Scalable and 24/7 availability
Customer 360 degree View
Audit Trail
2009
AccFina - Core Banking – Certified by CISA auditors

Solution for All Time Banking

AccFina - Core Banking Solution

The obvious choice : Softbee and AccFina - CBS

Improve customer service at branches

Better control on the bank finance by the top management
Interface to Handheld terminals and Smart Card – Financial Inclusion
2002
Customer tracking by PAN / Telephone Number/ Driving license/
Election ID/ Passport etc.,
2002
Phase wise implementation

2004MIS at central location enhancing the decision support for Top management
Uniform approach to Branch rules/operation
2009

Solution for All Time Banking

AccFina - Core Banking Solution

Interactive Secession

Solution for All Time Banking

AccFina - Core Banking Solution

Thank you

and

let us work
Together

Solution for All Time Banking