JANAKALYAN MOVES WITH TIME IN TECHNOLOGY INITIATIVES

JKSBL always keeps pace with the technology to offer quality and satisfying services to its customers. 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 has successfully implemented an ambitious project Core Banking Solution (CBS) using RDBMS Microsoft-SQL 2008 & application software OMNIEnterprise. JKSBL has entered into tie-up with third party for sharing their Data Center thereby saving on huge Capital expenses. Thus the JKSBL is now equipped to provide wide range of banking products and can offer electronic based service delivery channels like Internet Banking, SMS Banking etc. This will facilitate customers to avail various products/services across all the branches, anywhere and anytime. The branches are being converted to Sales & Service Delivery Centers. Certain processes/activities are shifted to back-office. Branches, therefore, have more time for serving customers. This has improved the quality and efficiency of the services rendered to the customers.
 

ABB – (Any Branch Banking)

JKSBL has undertaken technology initiatives, have facilitated customers to transact their accounts from any of JKSBL branches through CBS platform. Customer can deposit or withdraw cash, deposit Cheques to any of JKSBL branch.
 

ATM - SWITCH

JKSBL has implemented ATM switch in the year 2008 and added 3 more ATMs totaling to 10 ATM’s. These ATMs are connected to Central ATM Switch. JKSBL customers of branches located in Mumbai, Thane, New Mumbai & Panvel are able to withdraw through any of the ATMs of the Bank. JKSBL has overcome the geographical barriers by entering into ATM Sharing Arrangement with BANCS ATM network. The BANCS network consists of Bank of India, IDBI Bank, Axis Bank etc. Now our ATM card holder can withdraw money with the 'JKSBL GOLD ATM Card' from more than 6500+ ATMs across all over India.
Further the JKSBL has initiated process of tie-up with NFS (National Financial Switch), having 55,000+ ATM centers spread across India in their network.
 

CALL CENTER

JKSBL has plans setting up a Call Centre. The said facility will be made available to all customers very soon. Customers can forward their queries, suggestions, complaints etc. to the Bank management using Toll-Free number. Such facility will help our customers to interact freely with the Bank management.
 

CCTV

JKSBL has installed Closed-Circuit Televisions (CCTV) in all Branches and ATM centers. This facility has equipped Bank to have close watch on people visiting Bank premises and detain the offenders if any. Further the Bank can take better care of its assets and personnel

CHEQUE DEPOSIT MACHINE

Cheque Deposit Machines (CDM)- JKSBL has installed three CDM each at Sahar, Dadar & Sion branches. The said facility will be made available to all customers 24x7 soon. Customers can deposit their Cheques at any of these machines. The machine will print the acknowledgement slip with photocopy of the Cheque. The said machine is compatible & upgradable to forthcoming technology of Cheque Truncation.

ReLeAS (Retail Lending Automation Software)

JKSBL is using ReLeAS since last 3 years. It is a unique software product which has enabled Bank to appraise and disburse quality retail advances with greater speed.
 

RTGS (Real Time Gross Settlement)

JKSBL is the 5^th Bank in the country amongst the Co-operative Banks to offer RTGS services. JKSBL has implemented this payment systems initiated by the RBI in the year 2004. Thus our customer can transfer their funds in hours time to 69,000+ INFINET (Indian Financial Network) member Bank branches across India.