At a glance
Co-op Bank
Maharashtra & Karnataka
25
TrustBankCBS
A fast-growing multistate cooperative bank
Pune Peoples Co-operative Bank Ltd. (PPCBL) is a multistate bank operating across Maharashtra and Karnataka. One of the fastest-growing banks in the region, PPCBL holds more than ₹1,127 crore in deposits across 25 branches spread through Western Maharashtra, with one branch in Belgaum.
Digitally computerised, but held back by legacy constraints
PPCBL had computerised its operations long before this engagement and had already rolled out digital banking services. Even so, its existing IT system limited functional richness and left processes un-optimized. Duplicate work and heavy manual intervention, especially in statutory reporting and IT operations, were slowing the bank down.
A deliberate, competitive search for a future-ready core
PPCBL set out to replace its core banking system entirely, looking for a state-of-the-art platform with a complete application stack, a uniform browser-based UI, and a proven record of continual technological and functional upgrades.
After due diligence against multiple competitive CBS options, PPCBL selected TrustBankCBS — setting a challenging six-month timeframe for complete migration.
One unified platform
Where TrustBankCBS delivered the most value
- Retail banking solution
A single, unified platform replaced third-party systems and brought every branch operation and customer service together. The built-in charges engine automated fee application and unpaid-charge tracking, opening new revenue opportunity, while value-date-based interest handling closed interest-expense leakages that legacy processing had missed.
- Mobile banking
A single, unified platform replaced third-party systems and brought every branch operation and customer service together. The built-in charges engine automated fee application and unpaid-charge tracking, opening new revenue opportunity, while value-date-based interest handling closed interest-expense leakages that legacy processing had missed.
- Anti-money laundering (AML)
Pre-configured alerts, mandated by the Reserve Bank of India for cooperative banks, run natively on the same TrustBankCBS platform as branch operations — enabling real-time, drill-down investigation from any alert back to its source, with no third-party ETL or data warehouse required. A complete authorization workflow carries alerts from branch monitoring through the Central AML Authority to final Suspicious Transaction Report (STR) filing with the RBI.
- Business intelligence
Embedded BI gave Head Office managers real-time visibility into branch performance without any separate investment in BI tooling. Pre-built scenarios for the cooperative segment supported comparative, historical branch analysis, while drill-down dashboards forecast NPA projection, maturity pattern, deposit pattern, and profitability. Staff-monitoring functionality let the bank set and track targets, lifting productivity.
A turnkey core banking delivery
- Assessment of hardware and system software
- System requirements study and blueprint documentation
- Customization and parameterization
- Data migration from the bank's legacy system
- User acceptance testing
- User training and go-live support
- Post-go-live technical support and help desk
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