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Janakalyan Sahakari Bank Ltd
has implemented banking
solution in a distributed
database (Microsoft-SQL)
called OMNI Enterprise to
provide various range of
banking products through its
data network across 26
locations. This software is
implemented by the Banks
in-house team. It has
facilitated the customers to
avail various
products/services across all
the branches.
State of the art facilities
of the Banking Product
ABB Any Branch Banking
OMNI Retail Banking
CORal Touch Touch Screen
based lobby banking system
HARP Head Office
consolidation of branch MIS
CONCORDE Any Branch
Banking control software
SHACK Shares Accounting
System
SERVE Service Branch
Operations
ATM + Switch Automated
Teller Machine
CDM Cheque Deposit Machine
Networking
All the 27 locations of the
Bank branches & offices have
been networked using lease
lines with ISDN lines as
redundancy. A Network
Management System is
implemented to monitor &
control the network traffic.
Negotiated Dealing System
(NDS)
JKSBL has implemented NDS
with initiated by the
Reserve Bank of India in the
year 2002. This helps bank
to handle the investment of
surplus funds. The Bank does
active trading in government
securities & Call Money
Market.
Real Time Gross
Settlement (RTGS)
JKSBL is the Fifth Bank in
the country under
Co-operative Bank category
to offer RTGS services.
JKSBL has implemented RTGS
payment system initiated by
the Reserve Bank of India in
the year 2004.
National Electronic Funds
Transfer (NEFT)
JKSBL is one of the very few
Co-operative Banks who offer
NEFT services. JKSBL has
implemented NEFT payment
system initiated by the
Reserve Bank of India in the
year 2007.
ReLeAS (Retail Lending
Automation Software)
JKSBL has implemented ReLeAS
a unique software product
which has enabled Bank to
disburse quality retail
advances at a greater pace.
Mailing Solutions &
Bulletin Board (Internal
Website)
To reduce cost, improve
communication within and
outside the Bank, reform
processes, the Bank has
implemented Mail & Messaging
solutions using m@ilserv
application with Sify
broadband connectivity.
Intra-Website helps staff to
get appropriate information
on their fingertips.
Procurement Procedure
JKSBL has adopted pure
technology based procurement
procedure through Online
Reverse Auction, which has
helped Bank immensely saving
on cost, time and bringing
full transparency in the
procurements.
Data Mining
JKSBL has developed various
products for data mining
from its data warehouse. It
is being used by Bank for
effective Deposit & Advances
Monitoring, Loan
Disbursement Schedules,
Audit Trails, Online MIS
etc.
Overnight System
Processes
JKSBL has implemented a
reporting tool that
generates specific reports
overnight by extracting data
from 26 branch locations
using data network.
JKSBL, while introducing new
technology, has always given
the prominence to ensure
suitable products address
the appropriate needs of the
customers ensuring total
customer satisfaction by
following rules & guidelines
of regulators.
JKSBL continuously ventures
for faster delivery of
products increase in
business and ability to
handle larger business
volumes round the clock with
the help of technology.
JKSBL ensures security in
operations by implementing
proper data access controls
at various user levels
effectively which maintains
confidentiality, data
integrity and availability
of data at all times.
JKSBL always keep pace with
the technology to offer
quality & satisfying
services to its customers.
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