Take This Quiz & Predict Your Score in the coming CA CS or CMA Exam!
  • How important it is for you to pass the exam in this attempt?
  • What percentage of course you have finished well so far roughly?
  • How many hours you study in a day?
  • How many times you have revised the topics you have finished
  • Have you taken online or pen drive or live class from a renowned faculty?
  • What percentage of the classes you have watched?
  • Have you attempted mock tests or practice tests yet?
  • Are you planning to attempt mock tests conducted by external bodies- ICAI, ICSI, ICMAI or other institute?
  • How many tests you have taken?
  • Did you manage to finish the test papers on time?
  • Are you strictly following study material provided by the exam conducting authority such as ICAI/ICSI/ICMAI/Other Body?
  • How is your health in general?
  • How is your food habit?
  • Any interest in yoga or exercise or play sports regularly?
  • Planning to sleep well nights before the exams?
  • Planning to have light food and water before exams?

Core Banking Issues and Challenges

Core Banking Issues and Challenges

Technology Trends & Challenges

1. IT is critical to business

2. IT is strategic to business

3. IT requires huge investments

4. Expectations and reality do not match

5. The ROI is reflected mostly in intangible terms

6. Business growth

7. Compliance to Customer needs

Areas of Concern

1. Coverage of Needs

2. Uniformity of Needs

3. Customisation Overkill

4. Legacy Fulfillment

5. Scalability

6. Storage

7. Compliance

8. Internal

9. Regulatory

Points that matter

nTotal Cost of Ownership

Cost of Hardware – Servers/Desktops/Infra Equip

Cost of Software – System/Application/Upgrade/CAL

Cost of Infrastructure – UPS/Gensets/AirCon/FM200

Cost of Security – IPS/Firewall/AV/UTM

Cost of Networking – Primary & Secondary

Cost of Development and Implementation (if any)

Cost of Maintenance

Cost of Upscaling

Cost of Redundancy/BCP

Cost of Additional Delivery Channels

Core Banking

Branch Banking Products

Head Office Accounting



Fixed Asset Accounting

Remittances & Clearing

Recovery (Lawad)




New Delivery Channels/Payment Systems

Mobile Banking




Internet Banking

Payment Gateway



Banking solution that integrates all the banking functionalities and facilitates on-line access to any of the delivery channels with a singular customer centric view.

Is centralisation of technology functions as relevant as the centralisation of business functions to the implementation of core banking

Centralised account opening

Centralised cheque book issuance

Centralised statement of account printing

Centralised clearing operations

Centralised deposits acceptance

Micro finance management

Centralised MIS & Reporting

Core Banking Issues and Challenges

Core Banking Issues and Challenges

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