TrustBankCBS for Cooperative Banks
TrustBankCBS is a fully customizable Core Banking Software designed to address the unique needs of Cooperative Banks. Our comprehensive solution suite delivers an end-to-end core banking experience, featuring a complete solution stack, configurable engines, and pre-configured, segment-specific banking products and services.
TrustBankCBS offers exceptional transaction processing capabilities, scalability, and deep domain expertise, ensuring seamless automation of business operations across various Cooperative Bank types, including:
- Urban Cooperative Banks
- Agricultural Cooperative Banks (District Central Cooperative Banks in India)
- Community Cooperative Banks
Solutions:
Co-operative banks benefit from TrustBankCBS's agile solutions and services, specifically designed for this segment. It includes:
- Unique Customer Identification Code: Know Your Customer, c-KYC, e-KYC, Member Registration, and Shares Management.
- Loan Management: Loan Origination, Loan Application Acquisition, Credit Scoring, Processing, and Document Management.
- Loan Products: Term Loans, Cash Credit Limits, Overdrafts, Gold Loans, and a wide range of configurable loan products.
- Retail Banking: Branch banking services with inter-branch transaction facilities for seamless retail operations.
- Financial Management: General Ledger, Financial Accounting, Investments, and comprehensive Financial Statements for branches and the entire bank.
- Enterprise Applications: GST Tax Compliance, HRMS & Payroll, Fixed Assets & Inventory Management, Reconciliation, Audit & Compliance, SMS & Email Gateway Integrations.
- Digital Banking: Includes ATM, mobile banking, POS, RTGS/NEFT, ECS, NACH, and other digital channels.
- Agency Banking: On-field operations and doorstep services for Customer Acquisitions, Collections, Disbursements, and Overdrafts.
- User Management: Two-Factor Authentication, including Digi-Pass, Biometric Authentication for Login, Digital Signing, and Audit Trail.
- Deposits: Current Account, Savings Account, Term Deposits, Recurring Deposits, and Daily (Small-Savings) Deposits.
- Self-Service Online Banking: Internet banking, mobile banking, e-commerce, and mobile passbooks.
- Anti-Money Laundering (AML): Solutions with Alerts, Whitelisting Workflow, Cash Transaction Reports (CTR), and Suspicious Transaction Reports (STR).
- Statutory Compliance: Reporting to the RBI or central bank, including Asset Liability Management (ALM), Offsite Surveillance System (OSS), and Audit Reports.
Key Features:
- Robust Architecture.
- Browser-based, uniform interface across all solutions with an easy-to-use, user-friendly UI.
- Lightweight application with optimized bandwidth and infrastructure requirements.
- Agency Banking App for online, real-time field operations.
- Streamlines funds and investment management for better financial control.
- Integrates digital banking, payment, and self-service channels for Government Social Scheme.
- Continuously upgraded to the latest technology and trends in modern banking.
- Facilitates online, real-time field operations with ease.
- Adheres to industry standards to ensure efficiency and compliance.
- Offers pre-configured banking products tailored to various needs.
- Regular updates to comply with evolving statutory compliance reporting requirements.
- Quick Implementation with Industry Best Practices.
- Includes embedded reports configurators, ad-hoc reports builder, graphical analysis, and dashboards.
Value Delivered:
- 360-degree view of customers, branches, and bank operations.
- Data-driven analytics for sound, quick decisions.
- Sound and quick decision-making based on analytics.
- Enhanced staff motivation and efficiency.
- Efficient resource utilization.
- Improved customer satisfaction and retention rates.
- Lowered operations and support costs in banking services.
- Minimized revenue leakages and unnecessary expenditures.
- Increased revenues, optimized expenses, and increased profitability.
