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Core Banking Solution

With best-in-class technology, we give you a core banking solution that's made for you.

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  • Core BankingCore Banking
  • ESDS OfferingsESDS Offerings
  • Hosted CB/SaaSHosted CB/SaaS
  • DC Turnkey SolutionsDC Turnkey Solutions
  • Document Management SystemDoc Mgmt System

ESDS guarantees excellent network connectivity between client sites, remote client branches and ESDS Datacenter. Our extensive IT infrastructure accommodates all or mix of services to build a Secure & "Complete Solution" for Your Core banking needs.

  • CBS & TBA Implementation & Interfacing
  • ATM/ Card Switch Solution
  • POS & Kiosk Systems Supply
  • Microfinance
  • Micro ATM
  • Mobile Banking & Net Banking
  • IT Consultancy Services
  • Hosted CBS
  • Disaster Recovery System
  • Turnkey Datacenter Solutions
  • Colocation Solution
  • Intelligent Real time Backup Technology for Backup Services
  • Document Management System

Our core banking solution is a platform which merges best breed banking services with our comprehensive infrastructure inclusive of advanced technology, Tier III security and custom-configurations for your core banking.

Advantages of ESDS Core Banking Solution

  • Scalability

    Scalability

    With transactions being processed in bulk volumes everyday, your business priority is to be able to scale up without breaking in between

  • Flexibility

    Flexibility

    Banking has numerous changeable modules for which you need the flexibility to configure the right mix of IT resources at the right time

  • Agility

    Agility

    To keep up with the fast paced competition, your banking technology must be able to quickly adapt to number of changes and transformations

  • Cost Controls

    Cost Controls

    To meet the challenge of extending best quality banking services while maintaining a low cost structure, you require core banking

There's A Core Banking Plus Feature, Advantage for Every Bank.

ATM Switch Advantage

  • Highly cost-effective solution for banks not opting for EFT switches.
  • Low cost ATM solution for rural branches of national banks and for Regional Rural Banks
  • Remote monitoring of all the terminals connected in the cluster is possible
  • Freedom to acquire ATMs of different makes for expansion
  • Connect different terminals like ATMs, Kiosks and POS in same cluster
  • Extensive transaction journals and audit logs

Card Management System

  • Instant Card Issuance and activation
  • PIN generation and PIN Entry
  • Printing, Embossing, Encoding done with a multi color printer
  • Issue of Card can be done at Branch level
  • Tremendous reduction in logistic related expenses by avoiding the need of mailing Card and PIN
  • Increased customer satisfaction
  • Easy handling of loss-of-cards and credit enhancements

InfoXchange & ATHMA

  • Automated retrieval of Electronic Journal data. Storage of EJs centrally
  • Track solicited, un-solicited alerts from the Switch
  • Real time alerts relating to ATM device health and Supplies status with onscreen dashboards reporting & SMS, email alerts.
  • Quick resolution of issues for specific ATM transaction inquiries
  • ATM transaction data maintained in a sort-able, readable format

SMS Banking Solution

  • Convenience –Users can perform transactions at their convenience.
  • Accessibility –In essence, it brings the information to the customer instead of the customer to the information
  • Portability –Can be done from any GSM / CDMA phone.
  • Saves time –Time saving, due to automation of the service delivery channel and there is no human intervention.

Automated Cheque Deposit Solution

  • Acceptance of deposit of single / multiple cheques
  • Capture of the image and digital signing on the captured image
  • Capture of the drawee account details and amount
  • Better customer service by giving an acknowledgement for deposit of cheque.
  • Enables banks to reduce the time for manual collection of cheques.
  • Facilitates better and quicker reconciliation of cheques

Financial Inclusion Services

  • Customer Creation On demand
  • Cash Deposits and Funds Transfer
  • Addition of new accounts to the existing cards
  • Loan Repayment and Disbursement
  • Statement of Account
  • Cash Withdrawals
  • Balance enquiries

Branchless Banking & Financial Businesses

Corebanking Architecture

You gain a branchless banking experience with the help of our multiple network delivery channels, capable of reaching to the banking as well as non-banking population.

Financial Institutions and Microfinance Organizations can promise easy banking to remote users using devices like laptops, smart phones, kiosks, etc., through our Financial Inclusion Service Model.

ESDS gives you Core Banking Plus, i.e. all the plusses of Core Banking on a single independent platform. With our enterprise-class infrastructure of Tier III Grade and forward-looking technology combined with Exuberant Support and Management, you are no longer required to approach third party for any core banking component.

Life-Support Micro ATM

Corebanking Process of Registration

Wireless Panic Switch For ATM Emergency

Securing your bank against the ever-increasing number of ATM attacks and frauds is high priority. Banking leaders do understand this need of the hour, for which they're striving to design a secure ATM system to protect their popular banks against such contingencies.

A Life-support ATM Solution is what we devised. Programmed to release security alerts in occurrences of fire, vibration, motion of the door; this solution empowers you to take action instantly.

The Micro ATM system is powered with a life-support wireless panic switch, for emergency use by the ATM Security Guard and is also integrated with biometric system to record the attendance of the ATM Guard.

How to Use the Wireless Micro ATM

  • Beneficiary simply registers thumb in the Micro ATM device
  • The device generates receipt containing account information, which is verified by the business correspondent for issuing money

Process of registration and verification completes within 8-10 seconds

Enterprise Banking Platform

Best for Online Banking & Transactions

We put you on an a web-enabled, multi-currency, multi-lingual banking software and automate banking functions for maximum ease of use by retail, corporate and investment banking enterprises.

Mobile Banking Platform

Best for Offline Banking & Transactions

We give you a Mobile Branch Solution, which has an extensive reach to remote areas through absolutely low cost delivery channels.

Hosted Core Banking - You Get Low Cost Core Banking with ESDS

Smaller banking enterprises find a low cost solution with our Hosted Core banking or SaaS. Avoid high infrastructure investment that comes with Core Banking, while you move to a SaaS or a hosted model which is highly economical.

We've modeled SaaS on centralized datacenter infrastructure, where the core banking app is available for use by banks, credit societies and microfinance institutions.

Corebanking Saas Architecture

Avoid High Cost, Not Technology or Infrastructure

You pay only rent and lay off the large upfront costs of tedious hardware setups, while you're put on redundant technology and best in class infrastructure.

SaaS for Smart Core Banking

With mere investment in user desktops and branch LANs, SMBs experience Smart Core Banking with detailed benefit structure.

  • Tier III Datacenter with Updated technology and equipment
  • Instant Core Banking Deployment
  • High-Security and High-Confidentiality Banking
  • Expert Core Banking Framework & Proven Application
  • Reduction in Manpower requirement
  • Disaster Recovery Site Availability
  • No third party consultation

Disaster Recovery as a Service

Corebanking Saas Architecture

Along with confidentiality, your bank needs continuity. Regardless of size, your bank must meet the client demands so that you remain true to "Anywhere Anytime" banking promise.

Generate 100% uptime with our Cloud-hosted Disaster Recovery or DRaS Model for Core Banking.

Your bank gets easy recovery by moving to eNlight Cloud within no time, in case a disaster strikes. You get Core Banking Plus* with continuous High Performing Applications through auto-switch to DR site and Real time data and application replication.

Stay empowered with our Disaster Recovery Solution which saves up to 90% of your DR costs.

  • Auto scalability of servers at the DR site as per demand of resources.
  • Auto switch to DR site at the time of disaster.
  • Zero Infrastructure setup and maintenance costs.
  • 100% business availability, that is almost ‘zero downtime’ at the time of disaster.
  • Extremely low investment in terms of cost and time.
  • Save up to 90% of DR hosting cost.
  • 24x7 monitoring and support.
  • Real time data and information replication.
  • Single DR site for multiple DC’s.
  • Save up to 85% of Hardware Cost.
  • Fully Automated, lack of manual intervention saves time.

Turnkey Solutions

Banks, credit societies and financial organizations can make the best out of our infrastructure, technical expertise and comprehensive solution package to build a turnkey datacenter or a disaster recovery site to fully build-deploy-manage-monitor their banking data and apps.

Your bank is different that the other one in the financial market, and so is your turnkey requirement. Our turnkey project experts carry out in-depth study of your banking business to true-match our turnkey solution with your need. Your bank may need a specific IT/ Non IT module but not necessarily the other, which we understand and that is why, we devised true flexibility turnkey model.

Plug-in Ready Datacenters

  • End-to-End Solution Deployment and Management – Gives You independence from infrastructure and technology assembly.
  • Suite of Services – Access Raised Floor, Service Contracts, Security Systems, Air Conditioning, Utp & F.O. Cabling, General Construction etc.
  • LEED Compliant and Metered Power – Sets you free from paying extra costs, through usage and cost monitoring
  • Wholesale Space – Allows you to move faster with DC Projects.
  • 24*7 Exuberant Support - Extends expert technical help to you, whenever you'd need it.

Colocation

Get Co-location for greater control over your server. Your bank application, web and mail servers need an all-power infrastructure, with redundant storage and network so that your banking business is highly available.

Tier III ESDS provides longevity to your servers, since they are housed in N+1 environment which produces high power, storage and network redundancy. Easily accommodate 1U, 2U and 4U rack mount or blade servers. In case of custom requirements, we also offer Quarter, Half, or Full Rack cabinets.

The Back-Bone/ Back of Your Server

  • 1U, 2U, 20U to 42U Server Colocation
  • High Power density per rack
  • Power from Online Substation, Transformers & N+1 HVAC Systems, 2N+1 Redundant UPS System
  • High capacity power diesel generators with ATS panel
  • Direct Expansion (DX) based Precision Air Conditioners (PAC)
  • Smoke Detection System (VESDA) for Fire Safety
  • Meet Me Room, Bandwidth from Multiple ISPs, Redundant Routers and Switches for enhanced connectivity
  • Centralized Building Management System (BMS) for server health monitoring
  • Fully managed 24*7 Exuberant Support

Document Management System

Viewing, recording, copying, storing and maintaining heterogeneous banking documents has ever been a challenge for banking/financial institutions - be it small or large-sized. Secure document viewing and management defines "how effectively" you do banking.

Document Management System is an easy-to-use and quick-to-deploy data manager, which ensures that your banking credentials are structured and organized securely.

Automate Documentation with DMS

RBI Prescribes Banks to Introduce Document Management Solution

Dated 1st of July 2011, RBI in its Master Circular declared that banks must introduce a system for record maintenance in absolute forms i.e. hard copies as well as soft copies, both of which are highly accessible. W.r.t client's banking and personal information, a strict data maintenance system must be built, so that authorities are able to retrieve minimum 10-year old data within a short span of time

Document Management System

Solution to RBI's Prescriptions

Document Management System

Set of programs that convert your banking documents into electronic format –which later becomes easy to view, read, track, store and to retrieve from any branch location.

You get instant access to data, extensive storage and managed banking with DMS, at an affordable cost.

Improved Banking with Automation, Decreased Time/Cost, High Security

Automated Centralized Documentation

  • You are able to automate right from information integration to retrieval of data and apps, eliminating the excruciating manual efforts in documentation and thereby improving productivity of the staff.
  • Easy Search for files/documents, through electronic document preservation anywhere, anytime

Reduced Documentation Time, Space & Cost

  • Remove Document Storage and Document Transfer costs substantially, as you move on our automated DMS
  • Reduce OPEX and remove sluggish processing time
  • Save storage cost extensively – E.g. You can Store 100,000 Pages on just 2 DVDs

Safe & Secure Management of Documents

  • Secure your documents with electronic signatures
  • Locate, print, email documents from any banking branch
  • Secure your files/documents in our redundant storage and network infrastructure, ensuring greater reliability with efficiency
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