Bank In a Box
All Areas of Banking Systems
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1. Core Banking Systems (CBS)
Manages deposits, withdrawals, loans, and customer accounts in real time.
Acts as the financial heart of the bank, recording all transactions securely.
Provides flexibility to launch new products quickly and meet compliance needs. -
Account Management (Savings, Current, CASA)
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Deposits & Term Deposits (FD/RD)
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Loans & Advances (Retail, Corporate, SME)
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General Ledger / Accounting
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Interest & Fees Management
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2. Payments & Settlements
Enables seamless fund transfers via RTGS, NEFT, IMPS, UPI, and card systems.
Supports merchant acquiring, POS, QR, and cross-border payments with SWIFT.
Adapts to modern payment rails, including CBDCs and digital currencies. -
RTGS, NEFT, IMPS
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UPI & QR-based Payments
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Card Issuance & Processing (Debit, Credit, Prepaid)
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Merchant Acquiring & POS Systems
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Cross-Border Payments / SWIFT
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CBDC & Digital Currency Integration
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3. Digital Banking Channels
Offers customers secure access through mobile apps, internet banking, and chatbots.
Drives convenience with ATMs, kiosks, and omni-channel engagement.
Improves customer experience with personalized alerts and digital self-service. -
Mobile Banking (Super App)
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Internet Banking
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Chatbots & Conversational Banking
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ATM / Kiosk Management
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SMS & Email Alerts
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4. Lending Systems
Digitizes the loan lifecycle from origination to disbursement and collections.
Integrates credit scoring and AI-driven risk models for faster decision-making.
Supports retail, SME, corporate, and supply chain lending on one platform. -
Retail Loans (Home, Auto, Personal, Education)
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SME / MSME Lending
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Corporate Loans / Working Capital
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Credit Scoring & Risk Engines
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Loan Origination System (LOS)
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Loan Management System (LMS)
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Collections & Recovery
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5. Trade Finance & Treasury
Automates Letters of Credit, guarantees, and bills for global trade.
Manages liquidity, FX, and treasury operations with real-time risk insights.
Enables blockchain-based trade finance and supply chain finance solutions. -
Trade Finance (LC, BG, Bill Discounting)
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Supply Chain Finance
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Foreign Exchange (FX)
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Derivatives & Structured Products
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Treasury & Liquidity Management
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6. Wealth & Investment Banking
Provides digital wealth advisory, robo-advisory, and portfolio management.
Supports mutual funds, capital markets, and private banking services.
Introduces tokenized assets and digital securities for next-gen investors. -
Wealth Management (Robo-Advisory, Portfolio)
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Private Banking & Family Office
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Mutual Funds & Asset Management
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Capital Markets (Custody, Clearing, Trading)
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Tokenized Assets / Digital Securities
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7. Insurance & Bancassurance
Integrates life, health, and general insurance offerings within banking channels.
Automates policy issuance, premium collection, and claims processing.
Drives customer value through embedded insurance and bancassurance partnerships. -
Bancassurance Distribution Platform
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Life & Non-Life Insurance Products
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Claims Management
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Policy Administration
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8. Risk, Compliance & Governance
Safeguards banks with AML, KYC, fraud detection, and regulatory compliance tools.
Automates reporting to RBI, SEBI, FATF, and Basel frameworks.
Implements cybersecurity, zero trust, and continuous monitoring. -
AML (Anti-Money Laundering)
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KYC & eKYC (Digital Identity Verification)
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Fraud Detection & Monitoring
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Regulatory Reporting (RBI, SEBI, FATF, Basel III)
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Audit Trail & Compliance Systems
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Cybersecurity & Zero Trust
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9. Customer Engagement & CRM
Centralizes customer interactions with CRM and omni-channel support.
Improves retention through loyalty programs and AI-driven personalization.
Provides actionable insights to relationship managers and call centers. -
CRM Systems (Customer Relationship Management)
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Omni-channel Customer Support (Call Center, Chat, Email)
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Loyalty & Rewards Platforms
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Customer Analytics (AI-driven personalization)
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10. Financial Inclusion & Rural Banking
Extends digital banking to underserved rural and semi-urban areas.
Supports microfinance, Aadhaar-enabled payments, and DBT schemes.
Empowers agents, SHGs, and small borrowers with digital onboarding. -
Microfinance Platforms
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SHG / JLG Lending Systems
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Aadhaar-enabled Payment Systems (AePS)
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DBT (Direct Benefit Transfer)
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Rural Agent / BC Network Systems
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11. Enterprise Systems for Banks
Manages HR, ERP, workflow, and enterprise operations efficiently.
Provides document management and process automation for scale.
Integrates data intelligence for productivity and regulatory control. -
HRMS (Human Resource Management)
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ERP (Enterprise Resource Planning)
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Document Management System (DMS)
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Workflow & Process Automation
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Data Warehousing & Business Intelligence
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12. Technology Infrastructure & API Layer
Offers open banking APIs, middleware, and microservices architecture.
Supports cloud-native, AI-driven, and blockchain-enabled banking solutions.
Creates an agile foundation for innovation, ecosystem collaboration, and speed-to-market. -
Open Banking API Gateway
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Cloud Banking Infrastructure
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Middleware & Microservices
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Data Lake / Data Fabric
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AI / GenAI Models (Agentic AI, Predictive Insights)
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Blockchain Layer for Trust & Tokenization
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1. Core Banking Systems (CBS)
Manages deposits, withdrawals, loans, and customer accounts in real time.
Acts as the financial heart of the bank, recording all transactions securely.
Provides flexibility to launch new products quickly and meet compliance needs. -
Account Management (Savings, Current, CASA)
-
Deposits & Term Deposits (FD/RD)
-
Loans & Advances (Retail, Corporate, SME)
-
General Ledger / Accounting
-
Interest & Fees Management
-
-
-
2. Payments & Settlements
Enables seamless fund transfers via RTGS, NEFT, IMPS, UPI, and card systems.
Supports merchant acquiring, POS, QR, and cross-border payments with SWIFT.
Adapts to modern payment rails, including CBDCs and digital currencies. -
RTGS, NEFT, IMPS
-
UPI & QR-based Payments
-
Card Issuance & Processing (Debit, Credit, Prepaid)
-
Merchant Acquiring & POS Systems
-
Cross-Border Payments / SWIFT
-
CBDC & Digital Currency Integration
-
-
-
3. Digital Banking Channels
Offers customers secure access through mobile apps, internet banking, and chatbots.
Drives convenience with ATMs, kiosks, and omni-channel engagement.
Improves customer experience with personalized alerts and digital self-service. -
Mobile Banking (Super App)
-
Internet Banking
-
Chatbots & Conversational Banking
-
ATM / Kiosk Management
-
SMS & Email Alerts
-
-
-
4. Lending Systems
Digitizes the loan lifecycle from origination to disbursement and collections.
Integrates credit scoring and AI-driven risk models for faster decision-making.
Supports retail, SME, corporate, and supply chain lending on one platform. -
Retail Loans (Home, Auto, Personal, Education)
-
SME / MSME Lending
-
Corporate Loans / Working Capital
-
Credit Scoring & Risk Engines
-
Loan Origination System (LOS)
-
Loan Management System (LMS)
-
Collections & Recovery
-
-
-
5. Trade Finance & Treasury
Automates Letters of Credit, guarantees, and bills for global trade.
Manages liquidity, FX, and treasury operations with real-time risk insights.
Enables blockchain-based trade finance and supply chain finance solutions. -
Trade Finance (LC, BG, Bill Discounting)
-
Supply Chain Finance
-
Foreign Exchange (FX)
-
Derivatives & Structured Products
-
Treasury & Liquidity Management
-
-
-
6. Wealth & Investment Banking
Provides digital wealth advisory, robo-advisory, and portfolio management.
Supports mutual funds, capital markets, and private banking services.
Introduces tokenized assets and digital securities for next-gen investors. -
Wealth Management (Robo-Advisory, Portfolio)
-
Private Banking & Family Office
-
Mutual Funds & Asset Management
-
Capital Markets (Custody, Clearing, Trading)
-
Tokenized Assets / Digital Securities
-
-
-
7. Insurance & Bancassurance
Integrates life, health, and general insurance offerings within banking channels.
Automates policy issuance, premium collection, and claims processing.
Drives customer value through embedded insurance and bancassurance partnerships. -
Bancassurance Distribution Platform
-
Life & Non-Life Insurance Products
-
Claims Management
-
Policy Administration
-
-
-
8. Risk, Compliance & Governance
Safeguards banks with AML, KYC, fraud detection, and regulatory compliance tools.
Automates reporting to RBI, SEBI, FATF, and Basel frameworks.
Implements cybersecurity, zero trust, and continuous monitoring. -
AML (Anti-Money Laundering)
-
KYC & eKYC (Digital Identity Verification)
-
Fraud Detection & Monitoring
-
Regulatory Reporting (RBI, SEBI, FATF, Basel III)
-
Audit Trail & Compliance Systems
-
Cybersecurity & Zero Trust
-
-
-
9. Customer Engagement & CRM
Centralizes customer interactions with CRM and omni-channel support.
Improves retention through loyalty programs and AI-driven personalization.
Provides actionable insights to relationship managers and call centers. -
CRM Systems (Customer Relationship Management)
-
Omni-channel Customer Support (Call Center, Chat, Email)
-
Loyalty & Rewards Platforms
-
Customer Analytics (AI-driven personalization)
-
-
-
10. Financial Inclusion & Rural Banking
Extends digital banking to underserved rural and semi-urban areas.
Supports microfinance, Aadhaar-enabled payments, and DBT schemes.
Empowers agents, SHGs, and small borrowers with digital onboarding. -
Microfinance Platforms
-
SHG / JLG Lending Systems
-
Aadhaar-enabled Payment Systems (AePS)
-
DBT (Direct Benefit Transfer)
-
Rural Agent / BC Network Systems
-
-
-
11. Enterprise Systems for Banks
Manages HR, ERP, workflow, and enterprise operations efficiently.
Provides document management and process automation for scale.
Integrates data intelligence for productivity and regulatory control. -
HRMS (Human Resource Management)
-
ERP (Enterprise Resource Planning)
-
Document Management System (DMS)
-
Workflow & Process Automation
-
Data Warehousing & Business Intelligence
-
-
-
12. Technology Infrastructure & API Layer
Offers open banking APIs, middleware, and microservices architecture.
Supports cloud-native, AI-driven, and blockchain-enabled banking solutions.
Creates an agile foundation for innovation, ecosystem collaboration, and speed-to-market. -
Open Banking API Gateway
-
Cloud Banking Infrastructure
-
Middleware & Microservices
-
Data Lake / Data Fabric
-
AI / GenAI Models (Agentic AI, Predictive Insights)
-
Blockchain Layer for Trust & Tokenization
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