WiseBank Core Banking Solution
Modular, cloud-ready Core Banking Solution engineered for Indian Cooperative Banks, RRBs, and Commercial Banks.
Engineered to replace rigid legacy systems, WiseBank CBS unifies multi-branch General Ledger, CASA, Term Deposits, Loans, automated RBI regulatory compliance reporting, and native connectivity to CTS, NACH, IMPS, and UPI rails.
Overcoming Legacy Core Banking Complexity & High AMC Costs
Why modern financial institutions are transitioning to WiseBank CBS for agility, lower TCO, and automated compliance.
Monolithic Legacy CBS Architecture
Legacy core banking systems are difficult to upgrade, lack open API hooks for digital payments, and require high recurring AMC fees.
Manual RBI Regulatory Reporting
Branch accountants spend days compiling Form A, OSS Returns, and ALM statements manually from disparate branch spreadsheets.
Delayed Clearing & Payment Rail Integration
Fragmented interfaces between core banking and CTS, NACH, UPI, and IMPS payment switches cause frequent session drops.
High Total Cost of Ownership (TCO)
Small and medium cooperative banks struggle with prohibitive hardware server procurement and specialized on-site DBA requirements.
Turnkey Core Banking Modernization
Seamless data migration from legacy CBS platforms with zero operational downtime and automated ledger reconciliation.
Native Payment Rail Connectivity
Pre-integrated with CTS clearing, NACH mandate engine, IMPS switch, UPI 2.0, NEFT/RTGS, and AePS banking.
Automated RBI & NABARD Regulatory Filings
One-click generation of Form A, OSS 1–8, ALM liquidity buckets, CIBIL/Experian bureau extracts, and AML transaction reports.
Cloud-Ready & On-Premise Deployment
Flexible deployment across MeitY-empaneled sovereign cloud or on-premise bank server racks with automated DR failover.
Comprehensive Modules Engineered for Modern Banking Institutions
From general ledger and term deposits to automated RBI returns and loan management.
Multi-Branch General Ledger & Operations
Comprehensive chart of accounts, real-time branch inter-account settlements, multi-currency support, and day-end automatic EOD/BOD processes.
CASA & Term Deposit Engine
Flexible interest calculation engines for Savings, Current, Recurring Deposits, Fixed Deposits, and senior citizen dividend payouts.
Lending & Advances Management
Full loan lifecycle management for Gold Loans, KCC Agriculture loans, MSME term loans, overdraft facilities, and automated NPA tagging (SMA-0/1/2).
Integrated Payment Gateway Switch
Native connectivity to Finverge CheqSwift for CTS-2010 cheque clearing and direct NPCI clearing switches for 24x7 IMPS and UPI.
Compliance & Audit Workbench
Fails-closed role-based access control (RBAC), maker-checker dual controls, four-eye audit trails, and automated FIU-IND anomaly flagging.
Hardware Security & Encryption
Enterprise PKI digital signing, HSM encryption for PIN and sensitive records, and automated cryptographic database backups.
Enterprise Specifications & Deployment Matrix
Technical, database, regulatory, and disaster recovery standards.
Frequently Asked Questions about WiseBank CBS
Key information on data migration, hardware specifications, and payment gateway connectivity.
Upgrade Your Bank to a Modern Core Banking Solution
Schedule a consultation with our senior core banking implementation team for a full assessment of your bank's migration roadmap and TCO savings.