This document outlines the existing technology framework for computerization within a bank. It begins with stand-alone computer systems for individual users, then progresses to multi-user systems where information is centralized. Next, computerization is implemented at the branch level to improve customer service and reporting. Total branch automation allows all customer transactions to be done through computers. Regional and zonal offices are equipped with servers to oversee branch functions. Finally, the head office utilizes computerization across various functional areas like operations, planning, and personnel management.

1. EXISTING TECHNOLOGY
FRAMEWORK
R.Muthukrishnaveni
Assistant Professor

2. INTRODUCTION
1. Stand-alone computer system
2. Multiuser system
3. Branch level computerisation
4. Total branch automation
5. Computerisation at regional/circle/zonal office
6. Computerisation at Head Office level

3. STAND-ALONE COMPUTER
SYSTEM
Initial stage
Single user computer system – only one person at a time
Suitable for managerial decision-making
 Manager/executive responsible for decision-making
Not suitable for multiuser environment
But easily connected to multiuser system

4. MULTIUSER SYSTEM
Based on centralised processing concept
All information kept & processed at the main central
machine
Main computer
 Has Huge amount of information
 Possesses high processing speeds
 Use Unix as Operating System

5. MULTIUSER SYSTEM
Availability of information at one location
Cost of acquiring profitable
Resources fully utilised
Technical manpower effectively managed at a central
level
Costly resources shared among various dept

6. BRANCH LEVEL
COMPUTERISATION
Reason
Computer technology leads to
 Reduce waiting time
 Accuracy in report
 Statement of account
 Expeditious tr. of fund
 Improved customer service
 Online transaction processing

7. BRANCH LEVEL
COMPUTERISATION
used to
Provide better & speedy
customer service
Improve house keeping services
 Analyse the branch level data for
decision making
Generation of various report
security measures play an
important role

8. BRANCH LEVEL
COMPUTERISATION
LAN
 Fast and popular concept
 Front office computerisation
 Stand alone systems are connected
 Advantage
 Expansive resources shared by several users
 No duplication of DB
 No overloading
 Disadvantage
 complicated software
 Security risk – high
 Cost of maintenance - high

9. TOTAL BRANCH AUTOMATION
All the customers’ business transaction done with help of
computers
Transaction entered through terminals
Transaction is recorded
Verified and authenticated and all corresponding updates
reflected instantly
Interlinked and integrated system
Integrity and security

10. COMPUTERISATION AT
REGIONAL/CIRCLE/ZONAL
OFFICE
RO/ZO
 Intermediary between branches and head office
 Effective control over the functioning of branches
 equipped with mini computers with Unix os Informix, Oracle as back end
 Common task
 Branch profile
 inter-branch reconciliation
 Credit monitoring
 Personal data management etc.

11. COMPUTERISATION AT HEAD
OFFICE LEVEL
Functional area
 Operations
 Planning
 Personnel
 International business
 Services etc

12. COMPUTERISATION AT HEAD
OFFICE LEVEL
Application area
 Personnel management and administrative support
 Funds management
 Investment management
 Branch profiles
 Credit information systems etc.