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
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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

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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

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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 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.
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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 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

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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 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.

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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 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
SVR Towers, 8-2-1/B/1, Srinagar Colony Road
Punjagutta, Hyderabad – 500 082
Email - srmahesh@raminfo.com
Mobile - 9347526779
Office Phone - 040-23748241,1894
Fax - 040-23741840
1.2.2 Management Contact
Mr. R Jagadeeswara Rao

Executive Director
SVR Towers, 8-2-1/B/1, Srinagar Colony Road
Punjagutta, Hyderabad – 500 082
Email Jagadees@raminfo.com
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:

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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 Cycle Projects 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 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

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• 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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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.

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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 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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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 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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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
MS VB.Net Web Applications which includes
Programming Language
ASP .NET
Framework Microsoft .Net 2.0 or above
Client Operating System Windows Desktop OS
Server operating system(s) Windows Server 2003 EE or higher
Web Server Engine Internet Information Server 6.0or above
Business Logic Using COM / DLLs
Data Access/ Transaction objects using
Data Access
ADO.NET framework / Stores Procedures
Relational Database
Management System Oracle 8i or higher version
(RDBMS)
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Parameter Description
Front End Validation Client Side Validations using Java Script
Integrated Development
Microsoft Visual Studio 2003 or higher version
Environment (IDE)
Modeling Tool Microsoft Visio 2003
Data replication between Data Center and DR
Data Replication site will be done by the use of Oracle Data
Guard in asynchronous manner.
Hypertext Transfer Protocol (HTTP) for
browser based clients
Communication for Protocol
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.
• 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
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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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
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 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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• 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)
3.10 Unique 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 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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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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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).
• 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 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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• 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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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 .

49

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Technical Proposal for Implementation of Core Banking Solution for Nagar

RAM Informatics Limited

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

RAM Informatics Limited

5.2 Quality System ....................................................................................45

RAM Informatics Limited

RAM INFORMATICS (RAMINFO) is a contemporary technologies software

RAM Informatics Ltd is a professionally managed company, known for its

RAM Informatics Ltd has implemented a prestigious project in e-governance,

We have Implemented similar Project in Karnataka state as B’ONE Project

RAM Informatics Ltd is managed by Professionals with varying experiences in

The Product: eSmartBanker

eSmartBanker ver 1.0 is a powerful and Comprehensive Core Banking

"To emerge as a global provider of quality software solutions"

RAM Informatics Limited

The Business Focus of RAM Informatics Limited is broadly categorized into

1.1 Management Profile

RAM Informatics Limited (RAMInfo) is steady growing software

RAM Informatics Limited

The Company opened its branch office at US in October 1998 at Danbury,

RAMInfo has acquired Aravali Technologies, a California based Software

 Alliances and Relationships:

RAMInfo has nationwide alliance with Compaq India as their

RAMInfo is a Business Alliance Partner of Oracle and Certified Solution

RAMInfo is an Authorized Training Provider of IBM and Authorized Education

RAMInfo is a member of NASSCOM, India, Indo American Chamber of

The Company also has the following business alliances:

• Mahindra – British Telecom Ltd., for On-site projects in the U.K.

RAM Informatics Limited

• Productivity Management Consultants, Connecticut, USA for On-site and

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

• Compaq for marketing the SmartBanker software along with Compaq’s

• CMS Computers Pvt. Ltd. as a Systems Integrator

1.2 Contact Person

1.2.1 Banking Division Marketing

1.2.2 Management Contact

Mr. R Jagadeeswara Rao

1.3 Product/Service Offerings

RAM Informatics Limited

• Customized Software development

a. Customized Software development :

The Company has credible track record in software development. The

• Customized Software Development using Client/Server, intranet &

 The Banking Business Unit

The Banking Business Unit at RAMInfo is headed by the Executive Director of

The Banking Business Software Solutions from RAM Informatics Limited is an

• AIM – A productivity tool for Life Insurance Agents

• Trade 2000 – Comprehensive Dealer

RAM Informatics Limited

RAMInfo has developed Suite of Banking products called SmartBANKER Suite

Fig. 1 eSmartBanker Suite

• eSmartBANKER – a centralised bank-wide core banking solution

• iSmartBANKER – a state of the art Internet banking solution

• mSmartBANKER – a mobile banking solution for the highly mobile

RAM Informatics Limited

• SmartBANKER – a comprehensive total branch automation application

• SmartHO – an exhaustive solution covering entire operations of a

• SmartNPA – a comprehensive solution for managing Non Performing

• SmartALM – a highly intelligent and efficient Asset and Liability

• SmartFOREX – a comprehensive Foreign Exchange management

• SmartINVENTORY– Inventory management solution developed

• SmartBSA – a credit appraisal tool

c. Software Services (Exports)