Products by Natural Group

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Products
by
Natural Group
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Core Banking System
CoBaSys -Core Banking System and allied products
(CBS) CoBaSys CBS is Web based Core Banking
Solution which is platform and database
independent system giving the freedom to be
deployed on any operating system and database.
CoBaSys CBS is built on 3 tier web architecture.
It is built on scalable technology with robust
functionality. It supports a range of retail
banking and wholesale commercial banking
activities. It also offers rich functionality in
its Customer Information System
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Banking System
Returns to be submitted in XBRL formats as per
taxonomy published by RBI. The CDR should be
populated with clean and valid data and should
synchronize financial and non-financial data from
various source systems of the bank. Eliminate
multiple data version by creating single version
of data at any point of time. Provide integrated
system with existing Source systems (CBS,
Treasury, CIS, HRM, LAPS, etc) and other
applications.
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Bilinguality
Government of India, Ministry of Home Affairs,
Department of Official Language (Technical Cell),
vide their Office Memorandum No.12015/12/84-OL(TC)
dated the 31st Aug, 1987 directed that all
Ministries / Departments, their attached and
subordinate offices, Government undertakings and
banks, inter-alia, to keep in view the following
instructions while procuring electronic equipment
- All computer systems (including computers,
word processors, Advanced Ledger Posting
Machines, Data Entry equipment etc.) are to be
purchased only in bilingual form. These orders
shall apply to all Ministries/Departments of the
Central Government, their attached and
subordinate office, all companies and
corporations owned or controlled by the Central
Government, banks, commissions, committees and
authorities appointed by the Central Government.
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Blockchain
1. Blockchain is a distributed ledger in a P2P
network. 2. Consider group of nodes trying to
maintain a blockchain. 3. Its like internet of
trust and transparency. 4. Every node keeps copy
of entire blockchain. 5. Each block like page in
ledger. 6.Page once written in the ledger cannot
be changed.
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Central-kyc

• The Central KYC (cKYC) has been brought in to
  make the life easier for investors as well as for
  service providers.
• Central KYC (CKYC) registry acts as a centralized
  KYC repository which stores information/documents

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Customer Relationship Management

• Customer requests through different platforms
  like Google Ads, FB etc. we have provided our API
  for landing those leads in our application.
• Back office executive will approach the customer
  and after discussion completes the customer
  information and requirement of solar panel
  installation and change the Category of Job.
• Application Generates a quotation based on
  requirements provided by customer and sends the
  same to customer's email along with payment link.
• Customer pays the amount and acknowledgement
  comes to sales team through mail.

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eMAPS
ERP is the lifeline for any organization. eMAPS,
provides Budget Management, Fund Management,
Accounting, Inventory, Purchase and Sale
Management, AR and AP, Taxation (TDS and GST),
Bank, Stock and beyond.ERP is the lifeline for
any organization and Natural with over 20 years
of experience of delivering solutions to the
banking sector now dwells into this area and
presents eMAPS.
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IND-e-Cash
In 2020 Reserve Bank of India initiated 1st
COHORT Testing for Offline solutions. Indian Bank
participated in the SANDBOX testing with
IND-e-Cash, NFC based solution with its technical
partner Natural Support Consultancy Services (P)
Ltd. who had qualified for the same at RBI.
SANDBOX testing was conducted at Ghargal Village
in Solan, Himachal Pradesh, The testing was found
successful at RBI (letter enclosed).
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Internet Mobile Banking
Internet and Mobiles banking are considered as a
trustworthy and safe request mechanism without
conforming customer signatures. This is one of
the fastest growing technologies being used in
the stage of globalization in banking sector.
Today the time has come when the customer does
not travel to the bank branch. The time spent on
travelling will be spent on something more
fruitful and beneficial activities. The customer
wants and desires 24 7 working. Computer /
Laptops/ Tablet and Smart phones are the new bank.
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SMS Alerts

1. Deposit Account Balance Enquiry.
2. Customer will get mobile alert if there is a
   cheque bounce in their account.
3. DEBIT ALERT informs you about any debits (above
   a particular limit) to your account.
4. CREDIT ALERT informs you about any credits (above
   a particular limit) to your account.
5. BALANCE ALERT informs you about account balance
   at regular intervals (daily/weekly/monthly).
6. SALARY CREDIT ALERT informs you when salary is
   credited to the account.
7. OVERDRAFT ALERT informs you when the account
   balance gets overdrawn.
8. BELOW BALANCE ALERT informs you when the account
   balance goes below the specified threshold limit.
9. Loan installment is due.
10. Alert on failed standing instructions.

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Lending

1. It is estimated 220 Billion loans will be
   disbursed by end of 2020 via fintechs.
2. Traditional Lenders are entering fast in this
   space to compete with fintechs
3. Key Factors Driving Digital Lending are mainly
   the Millennium Generation , Digital Technology,
   New enabled Regulatory environment and innovative
   operating models Internet and Mobiles Banking
   Today the time has come when the customer does
   not travel to the bank branch. The time spent on
   travelling will be spent on something more
   fruitful and beneficial activities. The customer
   wants and desires 24 7 working. Computer /
   Laptops/ Tablet and Smart phones are the new bank.

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PFMS

1. This is used by GOI to transfer funds to
   Beneficiary and Vendor accounts held in various
   banks.
2. Eg. Swachh Bharat Mission pays for work done by a
   vendor through PFMS. The department may have
   account in a bank like SBI and vendor in any
   coop. bank. The funds travel from PFMS to coop.
   bank account through this solution.
3. Similarly beneficiaries of MNREGA will get
   payment through PFMS.
4. The solution is integrated with CBS of the bank.

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ALM System

• It is designed to provide financial institutions
  with a simple to deploy, low operating cost and
  highly effective solution for compliance with AML
  regulations. Product Details AMLSys (AML)
  Comprehensive AML compliance program (KYC, CTR,
  STR, NTR and CCR) through a single platform.
• KYC Know Your Customer.
• CTR Cash Transaction Report.
• STR Suspicious Transaction Report.
• CCR Counterfeit Currency Report.
• NTR - Non-profit Transaction Report.
• Compliance to evolving RBI/FATF mandates.
• Customer risk assessment using detailed customer
  information and transaction activities to
  investigate all aspects of customers profile.