RESEARCH METHODOLOGY

DESCRIPTIVE RESEARCH - Descriptive research includes surveys and fact-finding

enquiries of different kinds. The main feature of this type of research is that the researcher
has no control over the variables. He can only report what has happened or what is happening

Hypotheses
The research work was based on following hypotheses
1. CBS implementation enhances performance of banks through efficient banking operations
2. CBS implementation enables banks in enhancing financial growth and Profitability
3. CBS implementation enables banks to introduce technology based direct banking channels

Research models
Some of the major banking solution applications offered by the companies include Finacle
(by Infosys); Corebank, Advanced Commercial Banking System (by FIS); Flexcube (by
Oracle); TCS FS and, Intellect Suite (by Polaris), among others. These are some of the
solutions provided by various companies

Bandhan Bank appoints FIS Intl to develop core banking tool

The upcoming Bandhan Bank has appointed FIS International, one of the largest banking and

payments technology solutions provider globally, to develop its core banking software
solutions.

According to a release issued by FIS, the global major will help Bandhan by providing and

managing a fully integrated banking and payments platform through a totally outsourced
delivery model.

This will include the core banking, channel solutions, treasury, trade finance, and an entire
suite of payments services that includes debit card management and interback connectivity.

Bandhan is expected to start banking operations by September 2015 with about 600 branches
and operations across 27 states.
FIS empowers investment banks and securities brokers around the world to adapt and react to
market challenges and opportunities, regulatory changes and global complexities to foster
increased profitability and competitive advantage. With deep and broad industry expertise
across securities as well as listed and cleared OTC derivatives, FIS delivers a cross-asset
solution suite that automates middle- and back-office processes and workflows including
derivatives reconciliation with exchanges and central counterparties, and daily settlement and
contract data coverage for more than 80 derivatives exchanges. FIS’ post-trade clearance and
settlement solutions drive process and data standardization and integrate with other FIS
solutions including investor and advisor platforms and new account on boarding as well as
trading, securities financing, collateral management and risk and compliance. FIS’ proven
managed services and the FIS Derivatives Utility enable firms to transform the economics,
scale and efficiency of their clearing businesses by reducing operational complexity, risk and
cost.

Data feedback through primary research:-

Feedback on the People who are People who are People who are
following satisfied very satisfied unsatisfied

Electronic banking
facilities

Product range and

choices

Product fees and

charges

Operations

Staff willingness to
provide services

Staff knowledge
and skills

TOTAL:-