tech proposal ncb cbs final

8/14/2019 Tech Proposal NCB CBS Final

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RAM Informatics LimitedCMM L5, ISO 9001 & 27001 Certified

Technical Proposal for Implementation of Core Banking Solution for NagarSahkari Bank

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TECHNICAL PROPOSALforImplementation of Core Banking Solution

(CBS)

To

The ChairmenNagar Sahkari Bank Maharajgunj

Utter Pradesh.

By


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Table of contents

1. CORPORATE PROFILE ................................................................ 4

1.1 Management Profile ...............................................................................61.2 Contact Person ......................................................................................8

1.2.1 Banking Division Marketing .............................................................81.2.2 Management Contact ......................................................................8

1.3 Product/Service Offerings .......................................................................81.4 Industry Focus ......................................................................................141.5 Technology Innovation ..........................................................................141.6 Infrastructure .......................................................................................151.7 Quality Polity .......................................................................................16

2 SCOPE OF WORK ...................................................................... 17

2.1 Project Scope ........................................................................................172.2 Project Out of Scope .............................................................................17

3 TECHNICAL SOLUTION ............................................................... 19

3.1 Functional Architecture .........................................................................193.2 eSmartBaker CBS Application Pages ...................................................25

3.2.1 General Banking Modules: .............................................................253.2.2 Corporate Banking Modules ...........................................................263.2.3 System Control Modules ................................................................263.2.4 Application View ...........................................................................283.2.5 Masters Data ..................................................................................293.2.6 Account Details Page .....................................................................29

3.3 Application Users .................................................................................30

3.4 Web Architecture ..................................................................................313.5 Technology Architecture .......................................................................343.6 eSmartBaker Application Security ........................................................363.7 Deployment Architecture ......................................................................373.8 Network Architecture of eSmartBanker ................................................393.9 Salient Feature of eSmartBanker Product .............................................403.10 Unique Feature of eSmartBanker Product ..........................................41

4 FUNCTIONAL COMPLIANCE OF CORE BANKING SOLUTION ............ 43

5 APPROACH & METHODOLOGY ................................................. 43

5.1 Approach & Methodology .....................................................................43

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5.2 Quality System ....................................................................................455.3 Major Mile Stones & List of Deliverables .............................................46

5.3.1 Major Milestones ...........................................................................465.4 Change Management ............................................................................46

5.5 Assumptions & Constraints ...................................................................47

6 GLOSSARY ............................................................................... 48

7 REFERENCES .......................................................................... 49

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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 companys 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, popularlyknown 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 BONE Project

in .Net technology.

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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

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"To provide the finest quality solutions using leading-edge technologies forutmost customer satisfaction"

BUSINESS FOCUS

The Business Focus of RAM Informatics Limited is broadly categorized intotwo, 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

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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 March99.

RAMInfo has acquired Aravali Technologies, a California based SoftwareDevelopment / 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 ofMicrosoft.

RAMInfo is an Authorized Training Provider ofIBM and Authorized Education

Partner ofOracle.

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.

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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 Compaqshardware 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.MaheshRAM Informatics LimitedSVR Towers, 8-2-1/B/1, Srinagar Colony RoadPunjagutta, Hyderabad 500 082Email - [email protected] - 9347526779Office Phone - 040-23748241,1894Fax - 040-23741840

1.2.2 Management Contact

Mr. R Jagadeeswara RaoExecutive DirectorRAM Informatics LimitedSVR Towers, 8-2-1/B/1, Srinagar Colony RoadPunjagutta, Hyderabad 500 [email protected]: 98480 37032

Phone - 040-23748241,1894Fax - 040-23741841(Fax)

1.3 Product/Service Offerings

The service offerings of RAMInfo can be broadly grouped into the following

areas:

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mailto:[email protected]:[email protected]


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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 CycleProjects and has also developed

packaged software Products for the Banking, Insurance, and Telecom,

Transportation, Taxation, Publishing, Satellite TV, Government and

manufacturing sectors. 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, Senior Project Managers,

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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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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

eSmartBANKER a centralised bank-wide core banking solutiondeveloped 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 mobilecustomers

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SmartBANKER a comprehensive total branch automation applicationcatering to the front office and back office operations of a bank branchdeveloped using Client/Server technology

SmartHO an exhaustive solution covering entire operations of abanks Head Office

SmartNPA a comprehensive solution for managing Non PerformingAssets

SmartALM a highly intelligent and efficient Asset and Liabilitymanagement Tool

SmartFOREX a comprehensive Foreign Exchange managementsolution

SmartINVENTORY Inventory management solution developedspecifically 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 worlds 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 Companys 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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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

Aravalis 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 ExportAssociation and Software Technology Parks of India, RAMInfo is

rated as the top-quality training provider.

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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.

Domain Areas

Software engineering and technology

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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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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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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

Supply of Hardware and network equipment is out of scope

Supply of Servers is out of scope.

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Developing necessary interfaces / Integration to the modules ATM

Switches etc.

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3 Technical Solution

This section deals about technical solution Implementation of Core Banking

Solution for Nagar Sahkari Bank Maharajgunj for Providing Professional

Services in Customizing, Implementation and Maintenance of

eSmartBanker. The current version of the product is 1.1.0. The proposed

technical 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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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 thestate 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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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


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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Cash Credit Accounts

Account Opening, modification and closing


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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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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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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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 General Banking Modules:

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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 Corporate Banking Modules

Cash Credits

Overdrafts

Bills for collection and purchase

Letters of credit

Letters of Guarantee

Non-Performing Assets Management

Interest Calculations

3.2.3 System Control Modules

Parameterization

User creation and Management]

Work Allotment(Roles and Privileges)

Day Begin and Day-end

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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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3.2.4 Application View

The system allows the user to do any type of transaction from a singletransaction 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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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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3.3 Application Users

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

Front end users

Admin Users

MIS Users.

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3.4 Web Architecture

eSmartBanker Application is a web based and multi-tiered. The Web

Application Architecture of 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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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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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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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 Description

Programming LanguageMS VB.Net Web Applications which includes

ASP .NET

Framework Microsoft .Net 2.0 or above

Client Operating System Windows Desktop OSServer operating system(s) Windows Server 2003 EE or higherWeb Server Engine Internet Information Server 6.0or aboveBusiness Logic Using COM / DLLs

Data AccessData Access/ Transaction objects using

ADO.NET framework / Stores Procedures

Relational Database

Management System

(RDBMS)

Oracle 8i or higher version

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Parameter DescriptionFront End Validation Client Side Validations using Java ScriptIntegrated Development

Environment (IDE)

Microsoft Visual Studio 2003 or higher version

Modeling Tool Microsoft Visio 2003

Data Replication

Data replication between Data Center and DR

site will be done by the use of Oracle Data

Guard in asynchronous manner.

Communication for Protocol

Hypertext Transfer Protocol (HTTP) for

browser based clients

Hypertext Transfer Protocol Secured (HTTPS)

for browser based clients

Network Connectivity

The connectivity between Branch Office

Client and Head Office Server may one or

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.

Password Authentication & Authorization

Encryption and Decryption of the password

Application Access Rights (Role Based Access Control)

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3.7 Deployment Architecture

The Deployment Architecture of eSmartBanker is shown in figure 5.

Fig. 5 Deployment Architecture of eSmartBanker Application

FirewallTo 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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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 softwarecomponents 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

Framework: .NET Framework.

Database Management System (DBMS)

Oracle 10g hosts databases, for Core Banking Application. Oracle 10g

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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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 infigure 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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Datacenter will have one or two Database Servers, one or two

Apps/Web Servers, 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.

Highly parameterized

Web based Application

Multi-tier architecture

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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)

3.10Unique Feature of eSmartBanker Product

Single vendor for all types of banking solutions

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

bank

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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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 masters data willalso be populated. All identified application users data along with roles will

be populated into the application.

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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 thebeginning 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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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 inhouse training facility with a rich repository ofreference 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).

Project Steering Committee (PSC) Formation

Project Plan and Schedule

GAP Analysis Documnet

Master Data Population

Customizing CSB Application (eSmartBanker)

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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.

Allow for changes they are inevitable

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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 afteradequate 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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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 SystemRIL - 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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UAT - User Acceptance Testing

UI - User Interface

WAN Wide Area Network

XHTML - Extended HTML

7 REFERENCES

General Terms and Conditions for Implementation of Core Banking

Solution document issued by Nagar Sahkari Bank Maharajgunj .

tech proposal ncb cbs final

Documents