ISys & mSys

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ISys  mSys

Product Module Overview

Mobile Banking Application is an intermediate Server which consist of API and portal API handle the request from mobile and communicate with Bank Core banking and other application and provide necessary information to mobile App.

Portal is used for administration and MIS purpose

Functional Details

Account related Functionality

    • Account Balance Enquiry
    • Statement of Account/ Mini Statement/ Download of Statement
    • Link/ delink multiple accounts for customer and option to select transaction account
    • Enable/ Disable transaction in account
    • Display Account Details
    • Open / Close Term Deposits
    • Freeze/ Unfreeze Account


    • Fund transfer within customers’ own accounts, Bank linked, third party account (Inter and Intra Bank)
    • IMPS fund transfer with MMID / Account & IFSC based (P2A/P2P), P2M etc.
    • NEFT/ RTGS fund transfer
    • IMT (Instant Money Transfer)
    • Payments through BBPS & BHIM
    • Payments through UPI
    • Payments through BharatQR (Set PIN, add cards, Scan and Pay)
    • Contribution to PPF account

Card/ Account to Card /Account Payments

Tax Payments (direct and indirect)

State Govt tax payments.

e-file IT return

Contactless payments using NFC

Payments using QR code

Payments Via Visa Card pay

Bill Payment related:

    • M-Commerce (Bill payment: Gas, Electricity, Phone/ Mobile, etc)
    • Airline / Movie/ Railway ticketing, Restaurant reservation and Payment
    • Mobile / DTH / Data Card Recharge
    • Check recharge status
    • Insurance Premium payment
    • Donations payment

Credit Card Related facilities:

    • Account Summary
    • Provision for linking of Card
    • Credit card Payment
    • Apply for Credit Card
    • Block and replace credit card
    • Option for Conversion to EMI
    • Check for Limit Increase
    • Generate/ Reset Credit card PIN

Debit Card Related facilities:

    • Request for ATM Debit card
    • Add cards and select default
    • Block Debit card (Debit card hotlisting)
    • Temporarily block card
    • Unblock card
    • Generate/ Reset PIN
    • Modify limit

Term Deposits Related facilities:

    • Creation of Recurring Deposit / Fixed Deposit
    • Fixed Deposit (Open New, Close/ Liquidate, View Interest Calculation)
    • Recurring Deposit (Open New, Close, View Interest Calculation)

Support / Request Services

Customer Complaints and Feedback

Content based services

User Interface and User Experience

Error Related


Debit /Credit Card

Registration and Download of mobile banking application



Data Privacy


Solution Logs

Disaster Recovery

Scalability and Availability specifications/ details to be shared

Reports/ MIS/Reconciliation and Monitoring


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