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Core Banking Solution Overview

The document discusses core banking solutions. It describes core banking as allowing customers to access their bank accounts and perform basic transactions from any branch. It notes core banking relies on computer and network technology to centralize record keeping. It then outlines the roadmap, describing traditional banking, the need for computerization, and the architecture of core banking solutions which includes three tiers - a database tier, application tier, and presentation tier. Banks can offer services across multiple channels through this centralized system.

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Setiyo Birowo
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23 views19 pages

Core Banking Solution Overview

The document discusses core banking solutions. It describes core banking as allowing customers to access their bank accounts and perform basic transactions from any branch. It notes core banking relies on computer and network technology to centralize record keeping. It then outlines the roadmap, describing traditional banking, the need for computerization, and the architecture of core banking solutions which includes three tiers - a database tier, application tier, and presentation tier. Banks can offer services across multiple channels through this centralized system.

Uploaded by

Setiyo Birowo
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPT, PDF, TXT or read online on Scribd

CORE BANKING SOLUTION

DR R D Kumbhar
KBPIMSR Satara

 Core banking is a banking service provided by a group of networked


bank branches where customers may access their bank account and
perform basic transactions from any of the member branch offices.
 Core banking is often associated with retail banking and many banks
treat the retail customers as their core banking customers. Businesses
are usually managed via the Corporate banking division of the
institution. Core banking covers basic depositing and lending of money.
 Normal Core Banking functions will include transaction accounts, loans,
mortgages and payments. Banks make these services available across
multiple channels like ATMs, Internet banking, mobile banking and
branches.[1]
 The core banking services rely heavily on computer and network
technology to allow a bank to centralise its record keeping and allow
access from any location. It has been the development of banking
software that has allowed core banking solutions to be developed.
ROAD MAP
 Introduction
 Traditional Banking system
 Before Core Banking Solution
– Local Computerization
 Need of Core Banking Solution
 Architecture of Core Banking Solution
 Data Base Tire
 Application Tire
 Presentation Tire
 Help Desk
 Conclusion
Traditional Banking System

 CASH COUNTER
 ACCOUNTANT

 MANAGER

 RECEIPTS

 WITHDRAWALS

 LOANS
FIRST STEP TOWARDS
COMPUTERIZATION
 Local Server
 Local Database
 Local Application
 All House Keeping Work
 Report Generation
 Validation
 Branch is overloaded with heavy work
NEED FOR CBS
 Tremendous increase in the Customer Volume
 Huge no. of day to day Transaction
 Need for 24/7 Service
 Influence of Internet and Mobile
 Branch free Transaction
 Enhanced service in less time
 Rapid increase in competition among banks
CORE BANKING SOLUTION

 CBS is a Three Tire Architecture


 Data Base Tier
 Application Tier
 Presentation Tier
VARIOUS CBS PLATFORMS

COMPANY PRODUCT

INFOSYS FINACLE 10

IFLEX FLEXCUBE

TCS BANCS
CBS CONNECTION
 A Central Data base Centre
 All Circle Office are Connected to the
Central Data Base Centre which acts as an
application Tier
 All end users connected in the Presentation
Layer
Branches
ATM
Internet Interface
DATA BASE TIER

 SAN Storage
Data Base of Core Banking
 Two Unix Servers with Oracle RDBMS
 CENTRAL SERVER will be installed at the
DATA CENTER
 Central Server is Connected with Circle
Offices
 All Branch Servers are Connected with
Circle Office
DATA BASE TIER &
APPLICATION TIER
APPLICATION TIER

 NETWORK COMPONENT WITH THE CIRCLE


OFFICES

 INDIVIDUAL SERVERS WITH THE


BRANCHES

 PROCESS AND APPLICATION ARE


MADE IN THE CIRCLE OFFICE
WAN FOR CBS
 Data Centre Circle Offices & Branches
PRESENTATION TIER
 ALL BRANCH SERVERS

 ATM CENTRES

 NET BANKING

 MOBILE BANKING
PRESENTATION TIER
BANK FUNCTIONS
SUMMARY OF CBS

 Total CBS Divided into three layers


 Each branch can operate all functions in
the CBS
 All operations can done in any branch
 Data Centre take care of Data
Warehousing activities
CONCLUSION

 Bank’s perspective
 Design can be modified quickly and data mining
can be done instantaneously.
 Can Increase the customer base into may folders
 24/7 banking thru e-service
 A branch’s customer becomes a bank’s customer
 Employee’s perspective
 Most of the Data Analysis and processing
work are shifted to circle office and data
centre
Thank You

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