Moving banks into the digital era

RAMINFO brings 15 years of experience in building critical technology that powers banking, financial services and insurance companies. Our SmartBanker™ platform helps banks manage their operations efficiently, while delivering superior services to its customers. Trusted by over 70+ banks, the solution enables end-to-end automation of all core banking functions. With SmartBanker™, banks can do everything better—from launching customer-centric products to managing risk.

A complete banking suite, SmartBanker™ is available as both a web-based or on-premise application for banks looking to automate corporate and retail functions. Built on a modular and extensible architecture, the platform can scale both horizontally and vertically. It is currently being used in over 200 branches across the country, managing over 2 million transactions daily. It offers industry-grade security and reliability to help banks mitigate the risk from cyber-attacks.

SmartBanker™ is supported by a highly-skilled team of banking domain and technology experts, who bring over 15 years of experience in building and maintaining banking solutions. We complement our solution with 24 X 7 tech support in local language. This dedicated workforce of over 100 professionals ensures that your core banking operations are running smoothly. Continuous back-up and redundancy procedures ensure that your data is safe.

Besides total banking automation, SmartBanker™ helps banks manage regulatory compliance. The powerful reporting functionality makes submitting statutory reports simple and easy. Managements can make smarter decisions with real-time insight into key metrics like leverage ratio, cash reserve ratio and profitability etc. For banks looking to upgrade their banking system or to implement a new one to meet the RBI’s mandate, SmartBanker™should be at the top of the consideration list.

SmartBanker™ Core Banking Suite comprises of four key modules:

• eSmartBanker: A web-based and centralized core banking solution (CBS) covering all the functions of a bank. It supports multi-currency transactions across delivery channels.
• SmartBanker: An advanced Total Branch Automation (TBA) banking product available in client-server architecture covering retail and corporate banking services. It is highly parameterized to support the dynamic nature of customer and regulatory requirements.
• SmartALM: A powerful module that captures data for generation of Asset and Liability Management reports for the head office and branches, as prescribed by the Reserve Bank of India.
• SmartInventory: An inventory management module to manage bank stationery including materials and resources. It helps in optimizing stationery use

Functional features

• Complete core banking features for savings and current accounts, deposits, loans, cash, credit, clearing, locker, general ledger and asset & liability management etc.
• Out-of-the-box functionality for tele-banking, internet banking and mobile banking
• Advanced functionality to manage treasury, shares, standing instructions and customer data
• Centralized control, inter-bank and branch reconciliation
• Real-time transaction processing with detailed audit trail
• Detailed reports for the RBI, IT, NPA, ALM and consolidation etc

Benefits

• Lowest monthly cost based on users
• Reduced transaction time
• Future-proof technology that supports multiple devices
• Offline mode functionality for business continuity
• Built-insecurity to mitigate cyber-attacks and other risks
• Intuitive and user-friendly product for improved user engagement
• Aadhaar linkage and integration for easy KYC authentication
• Built-in income tax reports to save manual efforts
• Customer Support in Local Language