We offer Core Banking System, Banking System, Bilinguality, Blockchain, cKYC, CRM, eMAPS, IND-e-Cash, Internet & Mobile Banking, SMS Alerts, Lending, PFMS, ALM System Software Solutions.

1. Products
by
Natural Group

2. Core Banking System
CoBaSys: -Core Banking System and allied products (CBS) CoBaSys
CBS is Web based Core Banking Solution which is platform and
database independent system giving the freedom to be deployed on
any operating system and database. CoBaSys CBS is built on 3 tier
web architecture. It is built on scalable technology with robust
functionality. It supports a range of retail banking and wholesale
commercial banking activities. It also offers rich functionality in its
Customer Information System

3. Banking System
Returns to be submitted in XBRL formats as per taxonomy published
by RBI. The CDR should be populated with clean and valid data and
should synchronize financial and non-financial data from various
source systems of the bank. Eliminate multiple data version by
creating single version of data at any point of time. Provide integrated
system with existing Source systems (CBS, Treasury, CIS, HRM,
LAPS, etc) and other applications.

4. Bilinguality
Government of India, Ministry of Home Affairs, Department of Official Language
(Technical Cell), vide their Office Memorandum No.12015/12/84-OL(TC) dated the
31st Aug, 1987 directed that all Ministries / Departments, their attached and
subordinate offices, Government undertakings and banks, inter-alia, to keep in view
the following instructions while procuring electronic equipment :-
• All computer systems (including computers, word processors, Advanced Ledger
Posting Machines, Data Entry equipment etc.) are to be purchased only in bilingual
form.
• These orders shall apply to all Ministries/Departments of the Central Government,
their attached and subordinate office, all companies and corporations owned or
controlled by the Central Government, banks, commissions, committees and
authorities appointed by the Central Government.

5. Blockchain
1. Blockchain is a distributed ledger in a P2P network.
2. Consider group of nodes trying to maintain a blockchain.
3. Its like internet of trust and transparency.
4. Every node keeps copy of entire blockchain.
5. Each block like page in ledger.
6.Page once written in the ledger cannot be changed.

6. Central-kyc
● The Central KYC (cKYC) has been brought in to make the life
easier for investors as well as for service providers.
● Central KYC (CKYC) registry acts as a centralized KYC repository
which stores information/documents

7. Customer Relationship
Management
● Customer requests through different platforms like Google Ads,
FB etc. we have provided our API for landing those leads in our
application.
● Back office executive will approach the customer and after
discussion completes the customer information and requirement
of solar panel installation and change the Category of Job.
● Application Generates a quotation based on requirements
provided by customer and sends the same to customer's email
along with payment link.
● Customer pays the amount and acknowledgement comes to sales
team through mail.

8. eMAPS
ERP is the lifeline for any organization. eMAPS, provides Budget
Management, Fund Management, Accounting, Inventory, Purchase
and Sale Management, AR and AP, Taxation (TDS and GST), Bank,
Stock and beyond.ERP is the lifeline for any organization and Natural
with over 20 years of experience of delivering solutions to the banking
sector now dwells into this area and presents eMAPS.

9. IND-e-Cash
In 2020 Reserve Bank of India initiated 1st COHORT Testing for Offline
solutions. Indian Bank participated in the SANDBOX testing with IND-
e-Cash, NFC based solution with its technical partner Natural Support
Consultancy Services (P) Ltd. who had qualified for the same at RBI.
SANDBOX testing was conducted at Ghargal Village in Solan,
Himachal Pradesh, The testing was found successful at RBI (letter
enclosed).

10. Internet & Mobile
Banking
Internet and Mobiles banking are considered as a trustworthy and safe
request mechanism without conforming customer signatures. This is
one of the fastest growing technologies being used in the stage of
globalization in banking sector. Today the time has come when the
customer does not travel to the bank branch. The time spent on
travelling will be spent on something more fruitful and beneficial
activities. The customer wants and desires 24 * 7 working. Computer /
Laptops/ Tablet and Smart phones are the new bank.

11. SMS Alerts
1. Deposit Account Balance Enquiry.
2. Customer will get mobile alert if there is a cheque bounce in their account.
3. DEBIT ALERT – informs you about any debits (above a particular limit) to your
account.
4. CREDIT ALERT informs you about any credits (above a particular limit) to your
account.
5. BALANCE ALERT – informs you about account balance at regular intervals
(daily/weekly/monthly).
6. SALARY CREDIT ALERT informs you when salary is credited to the account.
7. OVERDRAFT ALERT informs you when the account balance gets overdrawn.
8. BELOW BALANCE ALERT informs you when the account balance goes below
the specified threshold limit.
9. Loan installment is due.
10. Alert on failed standing instructions.

12. Lending
1. It is estimated $220 Billion loans will be disbursed by end of 2020 via
fintechs.
2. Traditional Lenders are entering fast in this space to compete with
fintechs
3. Key Factors Driving Digital Lending are mainly the Millennium
Generation , Digital Technology, New enabled Regulatory
environment and innovative operating models Internet and Mobiles
Banking Today the time has come when the customer does not travel
to the bank branch. The time spent on travelling will be spent on
something more fruitful and beneficial activities. The customer wants
and desires 24 * 7 working. Computer / Laptops/ Tablet and Smart
phones are the new bank.

13. PFMS
1. This is used by GOI to transfer funds to Beneficiary and Vendor
accounts held in various banks.
2. Eg. Swachh Bharat Mission pays for work done by a vendor
through PFMS. The department may have account in a bank like
SBI and vendor in any coop. bank. The funds travel from PFMS to
coop. bank account through this solution.
3. Similarly beneficiaries of MNREGA will get payment through
PFMS.
4. The solution is integrated with CBS of the bank.

14. ALM System
It is designed to provide financial institutions with a simple to deploy, low operating
cost and highly effective solution for compliance with AML regulations. Product
Details: AMLSys (AML) • Comprehensive AML compliance program (KYC, CTR, STR,
NTR and CCR) through a single platform.
● KYC – Know Your Customer.
● CTR – Cash Transaction Report.
● STR – Suspicious Transaction Report.
● CCR – Counterfeit Currency Report.
● NTR - Non-profit Transaction Report.
● Compliance to evolving RBI/FATF mandates.
● Customer risk assessment using detailed customer information and
transaction activities to investigate all aspects of customer’s profile.