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JANAKALYAN MOVES WITH TIME
IN TECHNOLOGY INITIATIVES |
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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
is presently using banking
solution in a distributed
database (Microsoft-SQL)
called OMNIEnterprise and
has initiated implementation
of the CBS (Core Banking
Solutions).
JKSBL
has entered into tie-up with
third party for sharing
their Data Center thus
saving on huge capital
expenses. Thus
JKSBL
can provide wide range of
banking products and can
open the door for electronic
based service delivery
channels like Internet
Banking, Mobile Banking etc.
This software will be
implemented by the Bank’s
in-house team. It will
facilitate the customers to
avail various
products/services across all
the branches, any where and
any time.
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ABB
– (Any Branch Banking)
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JKSBL
has undertaken technology
initiatives, have
facilitated customers to
transact their accounts from
any of
JKSBL
branches. This service is
introduced in the year 2005.
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ATM
- SWITCH |
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JKSBL
has implemented ATM switch
in the year 2008 and added 3
more ATMs making total 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.
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CALL CENTER |
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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.
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ReLeAS (Retail Lending
Automation Software) |
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JKSBL
has in the year 2007
implemented ReLeAS, a unique
software product which has
enabled Bank to appraise
and disburse quality
retail advances with
greater speed.
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RTGS (Real Time Gross
Settlement) |
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JKSBL
is the 5th 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 55,000+ INFINET (Indian
Financial Network) member
Bank branches across India.
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NEFT
(National Electronic Funds
Transfer) |
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JKSBL
has implemented this payment
systems initiated by the RBI
in the year 2007. Thus our
customer can transfer
their funds on the same day
to 55,000+ INFINET (Indian
Financial Network) member
Bank branches across India.
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ECS
(Electronic Clearing System) |
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JKSBL
has introduced Electronic
Clearing System initiated by
the RBI. This facility has
helped customers to
auto-schedule their payments
and receipts
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CLEARING |
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JKSBL
has automated operations of
the Clearing section by
implementing software
modules from OMNIEnterprise,
power encoders, encoders,
networking devices. This has
enabled
JKSBL
to comply all the time
frames of the RBI. Thus
JKSBL
has ensured timely
submission and collections
of Customer Cheques
benefiting them to get
credits/debits in time.
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Mailing Solutions and
Bulletin Board (Internal
Website) |
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JKSBL
has reduced cost, improved
communication within and
outside the Bank, reformed
processes by implementing
Mail and Messaging solutions
using m@ilserv application
with Sify broadband
connectivity. Intra-Website
helps staff to get
appropriate information on
the fingertips and help in
quick customer services.
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KMT
(Knowledge Management Tool) |
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JKSBL
has equipped its Secretariat
Department with the software
product which enables to get
the information like the
circulars / guidelines /
regulations issued by IBA /
SEBI / NABARD / FIMMDA /
NSDL / IRDA. Annual
policies, Reviews, Articles,
Speeches, Committee reports
of RBI Banking related
codes, regulations, rules,
codes etc. Thus the
JKSBL
keeps itself updated with
all latest happenings in the
industry.
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TREASURY |
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JKSBL
has Treasury Department
looking after the investment
portfolio of the Bank.
JKSBL
has computerizes the back
office activities
implementing the software
solution iDEAL from Credence
Analytics. This automation
has helped
JKSBL
to manage the complete
trading operations in
one single integrated
system. It includes
maintaining trading books,
proprietary books, client
orders, and managing primary
market participation,
regulatory compliance, etc.
JKSBL
can handle Money market
instruments Call Money, Term
Money, CP (Commercial
Papers), CD (Certificate of
Deposit), SLR / Non SLR
(Statutory Liquidity)
effectively.
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NDS
(Negotiated Dealing System) |
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JKSBL
has implemented NDS
initiated by the RBI in the
year 2002. This facilitates
investment of surplus
funds, trading in
Government Securities and
Call Money Market
operations.
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FM
(Facility Management) |
JKSBL
has FM Services from
Omnitech Info solutions Ltd.
Facility Management (FM)
services are the IT
Infrastructure Management
Services. The customer is
benefited in their
services delivery since
maximum uptime of the system
devices is ensured. Bank
staff can register their IT
setup related complaints,
Centralised call management,
vendor management, set
reminders, calculate
downtime, set the priorities
to the calls etc
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MANAGED ANTI-VIRUS SOLUTION |
JKSBL
ensured the data protection
from virus attacks by
implementing Online
Antivirus solution from
McAfee. The data files of
new signatures get
automatically updated on
daily intervals on all data
servers as per the schedule
set in the systems.
Customer is benefited
since Bank can offer
uninterrupted services.
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PAYROLL |
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JKSBL
has implemented a unique
software product which has
enabled Bank to automate
entire Payroll activities
and enhanced the speed,
accuracy in the work.
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PROCUREMENT PROCESS - ONLINE
REVERSE AUCTION |
JKSBL
has adopted technology based
procurement through Online
Reverse Auction, for
saving in cost, time and
brought full transparency
in the procurement process.
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DATA WAREHOUSE & DATA MINING |
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JKSBL
has developed various
products for data mining
from its data warehouse. It
is being used by Bank for
effective Deposit and
Advances Monitoring,
Loan Disbursement Schedules,
Audit Trails, Cash
Management, Online MIS etc
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OVERNIGHT SYSTEM PROCESSES |
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JKSBL
has implemented a reporting
tool that generates EIS
(Executive Information
System) reports
overnight by extracting data
from all branch locations &
Head Office using data
network.
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TECHNOLOGY PRODUCTS &
PARTNERS |
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Hp,
IBM, Dell, Lenovo,
Microsoft, ORACLE, CISCO,
Nortel, McAfee, DIEBOLD,
RBI, IDRBT, Infrasofttech
India Ltd., Credence
Analytics, Omnitech
Infosolutions, Sify
Technologies, MTNL, Netcore
Solutions, Sonata Infotech,
Golden Tiger Telecom,
Relitech, Spine
Technologies, Kores (India)
Ltd., Aplab Ltd., CMS Ltd.,
ASEEM Power, FIS (Fidelity
National) Payments, TVSNet
Technologies Ltd.
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