Tech Proposal Ncb Cbs Final

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

TECHNICAL PROPOSAL for Implementation of Core Banking Solution (CBS) For Nagar Sahkari Bank Maharajgunj

To The Chairmen Nagar Sahkari Bank Maharajgunj Utter Pradesh.

By

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 1 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

Table of contents

1. CORPORATE PROFILE ................................................................4 1.1 Management Profile ...............................................................................6 1.2 Contact Person......................................................................................8 1.2.1 Banking Division Marketing .............................................................8 1.2.2 Management Contact ......................................................................8 1.3 Product/Service Offerings.......................................................................8 1.4 Industry Focus......................................................................................14 1.5 Technology Innovation..........................................................................14 1.6 Infrastructure .......................................................................................15 1.7 Quality Polity .......................................................................................16 2 SCOPE OF WORK......................................................................17 2.1 Project Scope........................................................................................17 2.2 Project Out of Scope.............................................................................17 3 TECHNICAL SOLUTION............................................................... 19 3.1 Functional Architecture.........................................................................19 3.2 eSmartBaker CBS Application Pages...................................................25 3.2.1 General Banking Modules:.............................................................25 3.2.2 Corporate Banking Modules...........................................................26 3.2.3 System Control Modules................................................................26 3.2.4 Application View ...........................................................................28 3.2.5 Masters Data..................................................................................29 3.2.6 Account Details Page.....................................................................29 3.3 Application Users .................................................................................30 3.4 Web Architecture..................................................................................31 3.5 Technology Architecture.......................................................................34 3.6 eSmartBaker Application Security........................................................36 3.7 Deployment Architecture......................................................................37 3.8 Network Architecture of eSmartBanker................................................39 3.9 Salient Feature of eSmartBanker Product.............................................40 3.10 Unique Feature of eSmartBanker Product..........................................41 4 FUNCTIONAL COMPLIANCE OF CORE BANKING SOLUTION............43 5 APPROACH & METHODOLOGY

.................................................43

5.1 Approach & Methodology.....................................................................43 RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 2 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank 5.2 Quality System ....................................................................................45 5.3 Major Mile Stones & List of Deliverables .............................................46 5.3.1 Major Milestones ...........................................................................46 5.4 Change Management............................................................................46 5.5 Assumptions & Constraints...................................................................47 6 GLOSSARY...............................................................................48 7 REFERENCES ..........................................................................49

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 3 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

1.Corporate Profile RAM INFORMATICS (RAMINFO) is a contemporary technologies software services and products company offering solutions for Government, Banking, Insurance and Retail Business. The company has started business operations in 1995 and has established a loyal customer base. The company follows the best Software Engineering practices to produce quality software. The company has a SEI CMM Level 5, ISO 9001 and ISO 27001:2005 Certifications for software development and ISO 9001 for software training. Our strength is to add value to our customer IT needs Globalizing through continuous application of knowledge, experience and contemporary technologies. The company’s one of the focussed line of Business areas is banking and the software developed by the company is in use at 20 Banks (220 Plus Installations) consisting of cooperative Urban & Grameena banks at present. RAM Informatics Ltd is a professionally managed company, known for its value system and policies. A team of Professionals with Domain, Technical and Implementation experience and knowledge manages the Banking Business Solutions unit. The company is also currently working with Andhra Bank, UTI Bank, State Bank Of Hyderabad, ICICI Bank, CitiBank by providing customized solutions and IT services in different segments of Banking. RAM Informatics Ltd has implemented a prestigious project in e-governance, integrating citizen services of various departments under one roof, popularly known as ‘eSeva’, which is first of its kind in INDIA, for Government of Andhra Pradesh (The URL is www.esevaonline.com ). The eSeva project has got a data center and 150 Citizen centers connected across the state in Andhra Pradesh. The application is on three-tier architecture. We have Implemented similar Project in Karnataka state as B’ONE Project in .Net technology. RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

The People: RAM Informatics Ltd is managed by Professionals with varying experiences in Development, Implementation and Domain experience.

The software

Engineers are highly qualified and well experienced in developing Banking Solutions. The company has a very low employee turnover, which speaks about the HR policies of the company and employee satisfaction.

The Product: eSmartBanker eSmartBanker ver 1.0 is a powerful and Comprehensive Core Banking solution covering Retail and Corporate banking functions. The product is developed using Open, Industry standard and Proven technologies. The product is developed using high quality of Software Engineering and is highly parameterized to support constantly changing customer and regulatory requirements. It uses state-of-the-art technologies to make flexible, scalable and most modernized solution. The product truly leverages and is compatible to ATM, Any Branch banking, Telebanking etc. The other two Products namely iSmartbanker and eSmartbanker 1.0 which are Internet Banking and Centralized Banking Solutions are developed on the latest Technology platforms. SmartBANKER 3.2 could be integrated to the above products enabling the bank to equip with the latest solutions. The fact that all the products are owned by RAM Informatics Ltd. will place the product and the company uniquely in the market. VISION "To emerge as a global provider of quality software solutions"

MISSION RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 5 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank "To provide the finest quality solutions using leading-edge technologies for utmost customer satisfaction" BUSINESS FOCUS The Business Focus of RAM Informatics Limited is broadly categorized into two, namely Technical •

Client Server

•

3 Tier / n Tier

•

Intranet and Internet

•

E-commerce

Domains or Verticals •

Government

•

Financial Services & Insurance (Banking & Insurance)

•

Manufacturing

•

Transport

•

Travel and Tourism

•

Telecommunications

•

Retail

1.1 Management Profile RAM

Informatics

Limited

(RAMInfo)

is

steady

growing

software

Development Company based at Hyderabad, a major metro in the South Central part of the country which is emerging as the Silicon Valley of India. RAMInfo was established in the year 1995, and is a Public Limited Company listed in Bombay and Hyderabad Stock Exchanges. It has a capital base of RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Rs. 58 million and operates as a private STP. As of date the Company has a shareholder base of 6000.  US Operations The Company opened its branch office at US in October 1998 at Danbury, Connecticut and Dallas in Texas to cater the needs of the US market in terms of On-site and Off-shore software development. The Commercial operations of the branch commenced in March’99. RAMInfo has acquired Aravali Technologies, a California based Software Development / Consulting company and with this RAMInfo has strengthened its presence in the U.S. Market.



Alliances and Relationships:

RAMInfo

has

nationwide

alliance

with

Compaq

India

as

their

“Professional Service Partner” to design and deploy software solutions for all state governments I.T. initiatives. RAMInfo is a Business Alliance Partner of Oracle and Certified Solution Provider of Microsoft. RAMInfo is an Authorized Training Provider of IBM and Authorized Education Partner of Oracle. RAMInfo is a member of NASSCOM, India, Indo American Chamber of Commerce and Indo-German Chamber of Commerce.

The Company also has the following business alliances: •

Mahindra – British Telecom Ltd., for On-site projects in the U.K. RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 7 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

•

Productivity Management Consultants, Connecticut, USA for On-site and Off Shore Projects in the U.S.A

•

Applied Consulting Group, Connecticut for on-site projects & consulting

•

Compaq for marketing the SmartBanker software along with Compaq’s hardware as a total solution to the banking sector

•

CMS Computers Pvt. Ltd. as a Systems Integrator

1.2 Contact Person 1.2.1

Banking Division Marketing Mr. S.R.Mahesh RAM Informatics Limited SVR Towers, 8-2-1/B/1, Srinagar Colony Road Punjagutta, Hyderabad – 500 082 Email - [email protected] Mobile - 9347526779 Office Phone - 040-23748241,1894 Fax - 040-23741840

1.2.2

Management Contact Mr. R Jagadeeswara Rao Executive Director RAM Informatics Limited SVR Towers, 8-2-1/B/1, Srinagar Colony Road Punjagutta, Hyderabad – 500 082 Email [email protected] Mobile: 98480 37032 Phone - 040-23748241,1894 Fax - 040-23741841(Fax)

1.3 Product/Service Offerings The service offerings of RAMInfo can be broadly grouped into the following areas:

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 8 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Customized Software development

•

Development and Marketing of software application products

•

Education and Training services

•

Software Exports – both On-site and Off-shore

•

Software Migration

•

Application Reengineering

•

Database Consulting

a. Customized Software development : The Company has credible track record in software development. The services include: •

Customized Software Development using Client/Server, intranet

&

internet technologies •

Application Re-engineering

•

Development and Marketing of Software Products

•

Application Migration

•

Database Consulting

RAMInfo has executed Full Life Cycle Projects and has also developed packaged software Products for the Banking, Insurance, and Telecom, Transportation,

Taxation,

manufacturing sectors.

Publishing,

Satellite

TV,

Government

and

It has a wide spectrum of clients in the private &

public sectors.



The Banking Business Unit The Banking Business Unit at RAMInfo is headed by the Executive Director of the organization. The banking team comprises of about 70 people, which include

Senior

Banking

Domain

Experts,

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Senior

Project

Managers,

Page No. 9 of 49

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank developers and good Sales and Marketing personnel to reach out to the customers to address their requirements. The company has a clear road map for Banking Business software Solutions. The company is much focused to emerge as a market leader in Total Bank Automation Software. The Banking Business Software Solutions from RAM Informatics Limited is an effort 0f 300 man-years Research and Development. As a company, we realize that the role of a bank is not just being a financial intermediary or to offer traditional products and services, as the concept of banking is redefined in this millennium. We strongly believe that bank should be a hub for all electronic transactions in the current Internet economy and should expand their services portfolio through cross selling of products and services. To meet business imperatives and challenges while staying ahead of competition, banks should deploy and use I.T. solutions in an effective manner.

b. Our Products RAMInfo has developed products catering to the various needs of Financial & Insurance industries. The product portfolio is broadly explained as below.  Insurance •

AIM – A productivity tool for Life Insurance Agents

•

Leader – Total IT Solution to the Life Insurance Development Officers

 Financial Product •

Trade 2000 – Comprehensive Dealer

•

Trader Accounting Management System.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 10 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

 Banking RAMInfo has developed Suite of Banking products called SmartBANKER Suite catering to the various needs of the Banking industry. The product offering under SmartBanker Suite is shown in Fig.1.

Fig. 1 eSmartBanker Suite

49

•

eSmartBANKER – a centralised bank-wide core banking solution developed using web based technologies in n tier architecture

•

iSmartBANKER – a state of the art Internet banking solution

•

mSmartBANKER – a mobile banking solution for the highly mobile customers

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 11 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

SmartBANKER – a comprehensive total branch automation application catering to the front office and back office operations of a bank branch developed using Client/Server technology

•

SmartHO – an exhaustive solution covering entire operations of a banks Head Office

•

SmartNPA – a comprehensive solution for managing Non Performing Assets

•

SmartALM – a highly intelligent and efficient Asset and Liability management Tool

•

SmartFOREX – a comprehensive Foreign Exchange management solution

•

SmartINVENTORY– Inventory management solution developed specifically for Nationalised Banks and big private sector banks

•

SmartBSA – a credit appraisal tool

c.

Software Services (Exports)

After establishing its credentials in the domestic market as a full-life cycle project services company, RAMInfo set up its US branch in 1999 to cater to the world’s largest IT outsourcing market in the USA. Currently the Company has 100 engineers in the USA who are into on-site consulting work for various clients. The number of consultants is being increased to 30 this year, with many of the Company’s employees traveling to the US on our H1 visas. The Company is also executing offshore projects for its clients in the USA. RAMInfo also has six of its engineers working on British Telecom projects in the UK through an outsourcing arrangement with Mahindra British Telecom Ltd.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 12 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank RAMInfo Subsidiary Company M/s Aravali Technologies Inc., based in San Jose, California which specialises in consulting and project services in web technologies. Aravali focuses on end-client business. Their clients include some Fortune 500 companies like Sun Micro, Chevron and BankOne. This Company is into project services using cutting edge technology and RAMInfo will be able to reap rich benefits by executing offshore contracts through Aravali for its clients.

RAMInfo

has

the

project

management

skills,

offshore

capability and people resource, which can be synergised with Aravali’s direct end user requirement. d. Education & Training RAMInfo has forged alliances with IBM Corporation for their E-business training

program

&

Oracle

Corporation

for

offering

their

Authorized

Education Programs. The Education & Training division of RAMInfo offers quality training in the following high-end courses:

Authorized Certification Courses from IBM and Oracle •

IBM E-business Application Developer

•

IBM E-commerce Professional

•

Oracle Applications Developer

•

Oracle Web Deployment Master

•

Oracle DBA

As per a recent assessment report from Hyderabad Software Export Association and Software Technology Parks of India, RAMInfo is rated as the top-quality training provider.

49

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 13 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

1.4 Industry Focus The Industry focus of RAMInfo is in the following areas. •

Government

•

Financial Services (Banking & Insurance)

•

Corporate Business

•

Transport

•

Telecommunications

1.5 Technology Innovation At RAMInfo, innovation with speed and imagination is emphasized in offering best of breed solutions to our clients.

Dedicated groups responsible for

thought leadership drive the organizational impetus to innovate. Process frameworks, methodologies, and reusable knowledge objects combine with topical thought leadership to demonstrate innovation in solution definition and engagement assures delivery of value to the customer. Our commitment to excel through innovation extends beyond IT and business. Innovative IT solutions and products that transform businesses are combined with different competencies and skills. At RAMInfo, thought leadership and knowledge capital is developed through dedicated groups within our delivery organization. At RAMInfo we focus on offering solutions using contemporary technologies. We are able to bring innovation to our clients by building thought leadership along the following dimensions.

49

•

Domain Areas

•

Software engineering and technology RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 14 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Communications and internet technologies

•

Quality Assurance

•

Technology education and learning

1.6 Infrastructure RAMInfo has a 15,000-sq.ft state-of-the-art software development facility located in Srinagar Colony, Hyderabad & and a 2500 sq.ft education & training facility. The software development center is equipped with SUN Sparc, HP, IBM and Compaq Servers running latest software like Oracle 8/8i, 9i,10g,11g enterprise

editions,

Sybase

System

11,

MS

SOL

Server

6.5

/

7.0/2000/2005/2008, IBM DB2 7.0/8.0/9.0 as back-ends and Java, J developer, Visual Age for Java, Visual Basic 6.0, Visual C++, HTML, CORBA, COM /DCOM, PowerBuilder 6.0 / 7.0 as front ends. Oracle Designer - 2000 is predominantly used as CASE Tool for Development. Client Stations (over 250) and servers are networked in such a way that at any point of time a given client can be connected to any of the database servers. All the front-end tools are provided with database drivers to access any of the database engines on the servers. There is a dedicated link to the US Office of RIL for undertaking offshore projects. RIL makes persistent endeavors to work on current technologies and maintains strong version policies of the software that are used for development.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 15 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

1.7 Quality Polity RAMInfo is an SEI CMM Level 5, ISO 9001 and ISO 27001:2005 Certified for Company.

Quality Policy: “We at RAMInfo always delivery services and products to customer satisfaction by maintaining an effective quality management system through the active involvement of all our employees “.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 16 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

2 Scope of Work This section provides the scope and out of scope of Implementation of Core Banking Solution Project for Nagar Sahkari Bank Maharajgunj , Hyderabad, Andhra Pradesh.

2.1 Project Scope The overall scope of Implementation of Core Banking Solution (CBS) project is given below as bullet points: •

Study the existing system and preparation of Gap Analysis document.

•

Core Banking Application software Customization and will be installed at all locations •

Core Banking Application Software installation and customization for two branches as pilot

•

Core Banking Application Software installation and customization for rest of the seven locations

•

Data Migration from existing system to new system

•

Conducting User Training

•

Official Launch (or Go Live ) of Core Banking Application

•

Support and Maintenance of the Application during the currency of the project

2.2 Project Out of Scope

49

•

Supply of Hardware and network equipment is out of scope

•

Supply of Servers is out of scope.

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 17 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Developing necessary interfaces / Integration to the modules ATM Switches etc.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 18 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

3 Technical Solution This section deals about technical solution Implementation of Core Banking Solution for Nagar Sahkari Bank Maharajgunj Services

in

eSmartBanker. technical

Customizing,

for Providing Professional

Implementation

and

Maintenance

of

The current version of the product is 1.1.0. The proposed

solution

includes

Functional,

Web

Application,

Technical

Architecture, Deployment Architectures and Network Architectures. Finally, the salient features of the eSmartBanker and Unique features

are

presented.

3.1 Functional Architecture The functional architecture of the proposed “eSmartBanker –CSB Application is shown in figure 2.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 19 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Fig. 2 Functional Architecture of eSmartBanker - CSB Application eSmartBanker is a powerful

and Comprehensive Core Banking solution

covering Retail and Corporate banking functions. The product is developed using Open, Industry standard and Proven technologies. The product is developed

using

high

quality

of

Software

Engineering

and

highly

parameterized to support constantly changing customer and regulatory requirements. eSmartBanker is developed as true web based solution with multi tier architecture and centralized database. It is uses state-of-art technologies to make it flexible, scalable and most modernized solution. The product truly leverages on web technologies and hence highly optimized for Network Bandwidth requirements. The product is uniquely positioned to compete with global market leaders in Core Banking Solutions. eSmartBanker package which can be used by any type of Bank or Bank of any size.

It allows total flexibility in operations, provides valuable

Information System to the management and reduces the workload on the staff members. eSmartBanker is a easy to use package developed using the state of art technologies and Graphic user Interface. It does not require any prior knowledge of computers and users can get acquainted to the system with simple on the job training. eSmartBanker gives the Bank the competitive edge by way of technology and also by providing the information required within no time.

It has got

exhaustive Queries built into it and number of Print Reports for better understanding. The major functional blocks/ modules in eSmartBanker Application are: •

Customer Information: All the transactions are Customer Id Based

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 20 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Customer can be limited to a Branch or can be global customer Customer information through out the modules

•

Savings Bank A/c Account Opening modification and closing All types of Transactions Interest Calculations

•

Current Account Account Opening modification and closing All types of transactions

•

Deposits: Deposit type Creation Opening, modification and closing of accounts Premature closing Auto renewals, Renewals and transfers to overdue deposits Interest calculations

•

Loans: Loan Types Creation Account opening modification and closing Interest calculations NPA Management Security module for effective security management Limits Module for Limits Management Effective Credit Information System for Sector wise lending

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 21 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Cash Credit Accounts Account Opening, modification and closing Interest calculations

•

Remittances: All types of Remittances like DD,MT,TT,PO etc., Agency DD Payment and Issual

•

Bills and Instruments: Purchase of Bills and Instruments Discounting Bills and Instruments Collection of Bills and Instruments

•

Clearing: Inward and Outward Clearing of Negotiable Instruments Multi Clearings Maintains of Unclear Balances Advance release of credits

•

Suspense and Sundry Creditors: Maintaining Suspense and sundry creditors entries Eliminating the reconciled entries Outstanding entries

• Safe Deposit Lockers: Locker Accounts Maintenance Locker rent collection • General Ledger:

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 22 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Multi currency GL Single currency conversion Extension counter GL and Consolidated GL P&L Statements • Any Branch Banking (ABB) Automatic reconciliation of accounts Restricted user access • Cash: Cash Management Cash Counters Management Teller Counters with full functionality • Transfer Transactions: Transaction management Multiple activity support Linking transactions to other modules • Daily Routines: Day Begin Day end Deletion of temporary data and reports • Ancillary Services: Fees and commissions Standing Instructions Signature and Photo Scanning and Retrieval • Customer Services: Generating due date reminders

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 23 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Generating overdue Letters • Query and Reports: Number of queries and reports are in built Any date and between date queries All queries can be printed Web based reporting •

Printing: DDs, Banker Cheques, Deposit receipts, Statement of Accounts Pass Book Printing

•

RBI Reports: Form 1 Form 9 Appendix I Appendix II Appendix A Appendix B NDTL

• General: Supports delivery channels like ATM and Internet Banking Interfacing with SWIFT or any other Financial Networks Supports multiple Products – user definable

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 24 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Portal: The portal is envisaged to be a single point information access for all the users of Core Banking Solution. On the other hand MIS users can also login through the same portal to view all transaction detail of various services, tracking of the service for verification/ approvals. Management Information System (MIS):

This component will have

different types of reports required to the stake holders of the Nagar Sahkari Bank Maharajgunj .

3.2 eSmartBaker CBS Application Pages The Application of eSmartBanker main page and various other module pages are given presented below to enumerate the application functionality.

3.2.1

49

General Banking Modules:

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 25 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Deposits

•

Loans

•

Savings Accounts

•

Current accounts

•

Lockers

•

Remittances

•

Clearing

•

Cash

•

Transfers

•

Standing instructions

•

Accounting Modules like GL/P&L/Day Book /Balance Sheet and

•

Customer Management

3.2.2 •

Cash Credits

•

Overdrafts

•

Bills for collection and purchase

•

Letters of credit

•

Letters of Guarantee

•

Non-Performing Assets Management

•

Interest Calculations

3.2.3

49

Corporate Banking Modules

System Control Modules

•

Parameterization

•

User creation and Management]

•

Work Allotment(Roles and Privileges)

•

Day Begin and Day-end

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 26 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Besides these modules there are host of Reports on various parameters and facilities to print Deposit t Receipts, Demand Drafts etc.,

Facility to

generate Reminder letters to customer for Deposit and Loans Accounts.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 27 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

3.2.4

Application View

The system allows the user to do any type of transaction from a single transaction screen. This screen is designed in such a way that the required information is brought automatically for doing any type of transaction. This allows lot of flexibility as the user need not move from one module to another for doing transactions across the modules.

The data entered once is not lost and the same data is visible to other users as other users may be using the same account for their transactions also.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

3.2.5

Masters Data

Master accounts are created using various Master creation screens depending on the module type.

3.2.6

Account Details Page

Account details of any account can be view from a single screen

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

3.3 Application Users The Application users of Core Banking Solution will be of three types.

 Front end users

49



Admin Users



MIS Users.

RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 30 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

3.4 Web Architecture eSmartBanker

Application is a web based and multi-tiered.

Application Architecture of

The Web

is shown in figure 3 which shows the various

layers in the multi tier application. The client machine will have a browser. The browser will be an Internet Explorer 5.0 or higher version.

The user

machine has browser that will communicate the user request to an application server in which the application is being deployed.

The

application sever will communicate to the database server. In turn database server will return the result set(s) to an application server. The application server will respond back to the client as per the application process defined in the business logic and presentation in a browser.

Fig. 3 Web Architecture of eSmartBanker Application

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 31 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

eSmartBanker is a web based and multi-tier architecture based solution. The application architecture of eSmartBanker will be logically divided into the following layers:

•

Presentation Layer – UI

•

Business Layer

•

Data Access Layer

•

Data Storage and Management

The logical architecture will have a presentation layer and three separate layers - business logic layer, data access logic layer and database layer. •

Presentation Layer: This is a front-end component, which is responsible for providing portable presentation logic. This consists of UI components and UI processing components

•

Business Logic Layer: Allows users to share and control business logic by isolating it from the other layers of the application.

•

Data Access Logic Layer: Provides access to the database by executing a set of SQL statements or Database Objects.

•

Database Layer: Made up of a RDBMS database component such as Oracle 10g Server that provides the mechanism to store and retrieve data.

These layers are loosely coupled to each other. This multi layer web based architecture will provide high scalable for any number of modules with in the application.

The presentation layer is designed using ASPX page.

These

pages will contains all the user controls such as text box, list boxes, buttons etc. All these screens will be designed using HTML/XHTML. A common look and feel will be maintained across the modules and applications of the entire system.

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RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

Page No. 32 of

Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

The business logic will be designed using components i.e. Microsoft Com Components/ Dynamic Link Libraries (DLLs). The Data Access Layer contains all required database objects such as store procedures to support eSmartBanker Solution. The Data Storage and Management Layer contain the relational database system (RDBMS). RDBMS will be Oracle 10g. RDBMS will run on Windows 2003 or higher version of OS. Client: A client is a computer on the network which requests and receives a service available usually on the server.

An end user uses the client

computer to accomplish any of the business tasks that what he/she authorized to do. A client computer allows the user to access the resources available on the network.

A resource can be a sub-module/module/

application or a folder that is available. Server: A server is a computer(s) that provides a resources and services to be accessed by the client computers. Network: The application provides the support for Local Area Network (LAN) i.e. for intranet users and Wide Area Network (WAN) i.e. for internet users.

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3.5 Technology Architecture The Technical Architecture of eSmartBanker – a Core Banking Application is shown in figure 4. This application is designed using multi tier architecture and is a browser based.

This architecture facilities loose coupling of the

individual layers in the application. If any change carries on one of the layers will not reflect the other. This also provides high scalability and extendibility of the application.

Fig. 4 Technical Architecture of eSmartBanker Application

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

The eSmartBanker has been built on Microsoft Technology. The software is developed on web based environment using COM, ASP.net, VB Script, Java Script, HTML and VB. The Components are designed using VB, Server side scripting is done using ASP and user interface is developed using HTML and Front end validations are done using Java script and VB script. Database is on Oracle 8i/9i or any higher version.

Internet Banking for the same

application is developed using .net technology.

The software is highly parameterized to offer extreme flexibility for incorporating the changes required.

Each module has its own wizards

allowing the end-user (Bank) to create their own products with their own features and can be attached automatically to a selected GL Code.

This

enables the end-users to create dynamic products with great ease. The deployment time is optimized as the bank can put on line the modules one by one.

At the same time the other un-implemented modules can be

vouched for accounting and their respective GL heads are updated. The following technologies will be used in Implementing Core Banking Solution project: Parameter Programming Language Framework Client Operating System Server operating system(s) Web Server Engine Business Logic Data Access

Description MS VB.Net Web Applications which includes ASP .NET Microsoft .Net 2.0 or above Windows Desktop OS Windows Server 2003 EE or higher Internet Information Server 6.0or above Using COM / DLLs Data Access/ Transaction objects using ADO.NET framework / Stores Procedures

Relational Database Management System

Oracle 8i or higher version

(RDBMS)

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Parameter Front End Validation Integrated Development Environment (IDE) Modeling Tool Data Replication

Description Client Side Validations using Java Script Microsoft Visual Studio 2003 or higher version Microsoft Visio 2003 Data replication between Data Center and DR site will be done by the use of Oracle Data Guard in asynchronous manner. Hypertext Transfer Protocol (HTTP) for

Communication for Protocol

browser based clients Hypertext Transfer Protocol Secured (HTTPS) for browser based clients The connectivity between Branch Office Client and Head Office Server may one or

Network Connectivity

more of the following ways: Broadband / Internet/ Dialup / Internet Leased Line (ILL)/ Intranet

3.6 eSmartBaker Application Security Banks data being sensitive data all the care is taken to protect the data while storing, Transacting and Transmitting.

The following methodology is

adopted to achieve the maximum security in the eSmartBanker – CBS Application. The software system will be protected from the unauthorized users by providing the following security constraints in developing the application software.

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•

Password Authentication & Authorization

•

Encryption and Decryption of the password

•

Application Access Rights (Role Based Access Control)

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

3.7 Deployment Architecture The Deployment Architecture of eSmartBanker is shown in figure 5.

Fig. 5 Deployment Architecture of eSmartBanker Application Firewall To ensure that the Data center is secured from any attacks, vulnerabilities or misusage of the services, it is proposed to implement Firewall between departments, Internet & the Data center.

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

Network Load Balancer A network load balancer is placed which receives all incoming HTTP requests from various clients (i.e. from different branches of the Nagar Sahkari Bank Maharajgunj ) and based on the load of the Application Server the requests are routed. The Network Load Balancer either software based or hardware based. An Hardware based load balancer is much superior performance over software based. Application Server Farm The eSmartBaker – CBS Application is Web based, hence the application resides on the Web server (Internet Information Server 5.0 or above). It is an ASP.NET application leveraging the .NET Framework functionalities. This Web based application is used by all the counters at every branch office

for

processing the transactions . For higher availability of the application, it is required to load balance the service. Hence there are two Web / Application servers deployed with eSmartBanker: CBS application that is Load Balanced using Windows network load balancing/ Hardware NLB. The software components required on this system - Operating System: Windows 2003 Standard Server or higher version, Web Server: MS Internet Information Server

6.0

or

above,

Application:

ASP.NET

application,

Application

Core Banking Application.

Oracle 10g

Framework: .NET Framework. Database Management System (DBMS) Oracle 10g hosts databases, for Enterprise

Edition

is

configured

either

clustered

or

non-clustered

environment which will be decided after study phase. The data would be physically stored on an External Storage. The software components required on this system - Operating System: Windows 2003 Enterprise Server, Database Management Service: Oracle 10g.

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank The RDBMS i.e. Oracle 10g database Server EE will reside on the Windows 2003 Server Operating System or any higher version. A centralized database will be located at the Data Center.

The different users can access the

application via switch/ hub i.e. directly. These users are called intranet user or LAN users. Where as the internet users access the application via firewall.

3.8 Network Architecture of eSmartBanker The network Architecture of eSmartBanker – CBS Application is shown in figure 6.

Fig. 6 •

Network Architecture of eSmartBanker Application

All Branch Centers of the Nagar Sahkari Bank Maharajgunj

will be

connected with Data Center. They will be connected using Primary Leased Line and ISDN secondary.

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Datacenter will have one Apps/Web Servers,

or two Database Servers, one or two

SAN as Storage Box, Network Load Balancer,

Network Management Sytem. •

Disaster Recovery server is located far away from the main data center. The actual location of the DR Site will be identified during the study phase of the project. As a general practice we advise that the location of the DR Site should be different form Data Center a minimum of 100 Killometers away from primary site.

•

Oracle Data Grid Software will be recommended for data transfer between Data Center and DR Site.

•

The Data Center is located at the Head Office of the Nagar Sahkari Bank Maharajgunj or any other place identified during the study phase of the project.

•

Using Oracle Data Grid Software data from Data Center will be transferred on asynchronous basis to DR Site. The time interval between Data Center and DR Site could as minimum as 15 minutes. This

parameter

can

be

configurable

during

the

setup

of

the

communication between Data Center and DR Site. The value of the time parameter can be depend on the network bandwidth and server infrastructure.

3.9 Salient Feature of eSmartBanker Product The product offers the following Key features

•

Adhere to Open Standards: Application will be of Open Standard and should be able to integrate with other Applications by building suitable interfaces and any other back office applications.

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Highly parameterized

•

Web based Application

•

Multi-tier architecture RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

•

Supports for both intranet and internet operations

•

Highly scalable and extendible

•

The Architecture will be a Centralized Architecture which has central database repository

•

Security features like Digital Signature can be added to the application.

•

Modular Deployment

•

Application date based transactions

•

Multi-currency transactions

•

Multi-currency GL

•

Multi-user operations

•

Effective date transactions

•

User defined Access levels and Groups

•

User defined GL Codes

•

Can be Internet enabled without much effort

•

Can Interface with any channel for service delivery like ATM, Tele banking, Internet banking,

•

Server-Centric and thin client software deployment

•

Can change the look and feel to the liking of the user

•

Offers Any Branch or Any where Banking in all types of transactions (Cash, Transfer and Clearing)

3.10 Unique Feature of eSmartBanker Product

•

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Single vendor for all types of banking solutions

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

•

The product can scale up to any level depending on the growth of the bank

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•

Database is designed with flexibility to suit to any type of interfacing.

•

Low Total Cost of Ownership

•

Constant up gradation of the software

•

Flexible Deployment methods

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank

4 Functional Compliance of Core Banking Solution The proposed solution for implementation of Core Banking Solution for Nagar Sahkari Bank Maharajgunj

at its nine branches is eSmartBanker product.

eSmartBanker is a customizable package available from RAM Informatics to meet all the requirements of a Core Banking functionality from end to end.

5 Approach & Methodology This section describes approach and methodology to be followed for Implementation of Core Banking Solution Project.

5.1 Approach & Methodology RAM Informatics Limited (RIL) will follow the below given approach & methodology for implementing Core Banking Solution Project. GAP Analysis After completing the system study and eliciting the system requirements. Then GAP Analysis document will be generated. Product Customization Once the GAP Analysis is completed then the eSmartBanker CSB application will be customized as per the requirements. The required master’s data will also be populated. All identified application users data along with roles will be populated into the application.

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank Deployment The designed applications will be deployed on the targeted environment. In this phase installation of operating system, application server, database server, database creation, and configuration of application software will be done. Data Migration Study the existing system and understand the data structures.

Map the

same to the target system to the suitable columns of the corresponding tables.

Migration of data will be done in phase wise manner.

In the

beginning a set of sample records are collected from one of the existing branch and migrated the data to the target system and this process is called mock testing of data migration.

During this process if any errors happened

are corrected and then re-run of mock migration processes till the final correction.

Soon after this using the migrated data sample testing of the

application is done.

In the similar fashion total branch data will be migrated

to the new system and repeat the testing of the application.

The same

process is continued for rest of the branches. User Testing & Pilot Run After successful deployment of the applications software in the target environment a pilot run will be made and then subsequently Beta test will be conducted.

User Training User Training will be provided to all the operational users and also system users of the application as per the training plan, which will be submitted after the initiation of the project. Depending on the number of operational users training will be provided in batches. The details of the training such as

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank modules, duration, contents and batch details will be communicated in training plan.

5.2 Quality System Ram Informatics Limited (RIL) is certified for CMM Level 5, ISO 9001 and ISO 27001. We are committed to Quality Management and have well laid-out procedures and standards for every stage of the Software Development Life Cycle (SDLC). The company has an in–house training facility with a rich repository of reference material for the continuous development of software skills. Our mission is to provide finest quality solutions, using leading technologies for utmost customer satisfaction. The Company is committed to providing high quality solutions right on schedule. We have qualified Quality Analysts and Quality Managers who are assigned to every Project in RIL depending on the size of the project, apart from the regular Development team. SQA Audits and IQA Audits are conducted at pre planned periodic intervals for all projects as per ISO 9001 Standards. The

main

activities

in

our

Software

Development

Methodology

for

Development of customized solution with specific reference to Government Departments are detailed below for ready reference. Software Development Process from Conception to Commissioning is referred to as Software Development Life Cycle (SDLC).

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•

Project Steering Committee (PSC) Formation

•

Project Plan and Schedule

•

GAP Analysis Documnet

•

Master Data Population

•

Customizing CSB Application (eSmartBanker) RAM Informatics Limited CMM L5, ISO 9001 & 27001 Certified Company

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Implementation

•

User Training

•

User Acceptance and Project Sign Off

•

Warranty &

Maintenance services

5.3 Major Mile Stones & List of Deliverables 5.3.1

Major Milestones

•

Project Plan

•

Study the existing system and preparation of Gap Analysis document.

•

Core Banking Application Software installation and customization for two branches as pilot run

•

Core Banking Application Software installation in rest of the seven locations

•

Data Migration from existing system to new system

•

Loading of Core Banking Application Software at DR site at extra cost

•

User Training

•

User Acceptance Testing (UAT)

•

Official Launch Core Banking Application

•

Support and Maintenance of the Application during the currency of the project

5.4 Change Management It is believed that while executing large projects changes are inevitable. But handling of these changes is a very crucial and important right from beginning of the project to final implementation. Here are the steps which enumerate on how to deal with changes and a system should be set up to implement your decisions.



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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank



Design on the assumption that you will have to make changes



Record all changes



Assess their impact before approving any work



Set up a change review system



If in doubt opt for a more formal rather than a less formal procedure



If possible delay major impact changes until after implementation



If possible execute changes in batches

Modifications to any aspect of the project must be accepted only after adequate assessment of their impact upon the project as a whole and subject to a formal critical review. The effect of actual change must not exceed the allowances made. No matter what the source of change and which part of the Project it affects, they must all be treated as the same. The Project Manager is the one who controls change. He/ she will decide whether it is essential, desirable or optional and also identify the cost, time and quality impact that will occur on implementing the change. All such changes will be charged separately.

5.5 Assumptions & Constraints •

Providing the necessary infrastructure to conduct the training to the end users/ Departmental users during end user training phase of the project.

•

Any third party software/ components required for the application should not included in the actual estimates of project scope. For e.g. If any components such as SSL for HTTPS.

•

For Project Approvals and Sign Off, we assume that there could be a single point of contact which avoids time delays in the project.

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Technical Proposal for Implementation of Core Banking Solution for Nagar Sahkari Bank •

Software licenses such as Database, Operating System, Application Server will be procured by the bank/ client.

•

The cost of developing necessary interfaces for

ATM etc are not

included in the proposed project cost.

6 GLOSSARY ASPX – Active Server pages BO – Branch Office CBS – Core Banking Solution DB – Database DC - Data Center DLL - Dynamic Link Libraries HO – Head Office HTML - Hyper Text Markup Language HTTP – Hyper Text Transmission Protocol HTTPS – Hyper Text Transmission Protocol Security IIS - Internet Information Server ISO - International Standard Organization IT - Information Technology LAN - Local Area Network MIS - Management Information System OS - Operating System PSC - Project Steering Committee RDBMS - Relational Database Management System RIL - RAM Informatics Limited SDLC - Software Development Life Cycle SOA - Service Oriented Architecture SQA – Software Quality Assurance SRS - System Requirement Specification TCP/IP – Transmission Control Protocol / Internet Protocol

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7 REFERENCES 

General Terms and Conditions for Implementation of Core Banking Solution document issued by Nagar Sahkari Bank Maharajgunj .

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