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Saturday, September 5, 2009
Manoj: What are the risk factors or business constraints factors pertaining to online connectivity
Posted by Tip at 5:29 AMagarajan: With the introduction of RTGS, NEFT and ECS, 90% of corporate customers want everything online. But problems arise when somebody wants, say 10,000 payments to be pushed at the last moment. When this used to happen a couple of year ago, we had to go back to the customer and say that this needs to be done on a piece meal basis only. Also, if it is online, the customer expects more and more MIS from us. Corporates want everything electronically, but still the maturity level is not there because their internal process and our internal process do not mix together.
R Mani: What happened in one case was that the business group came to us and said they want online connectivity. But when we met their IT team, they come out with a different version saying they didn't want real online connectivity. What they were talking about was a facility by which there will be a download from their ERP, and manually put into transaction in the bank's system - why, because their internal information security team did not allow online connectivity in a seamless manner. So there is a difference in perception between the business teams and the IT teams.
Harshan: At the gate, we are supposed to provide filtrations in respect of AML. Vispi: We don't actually get access to the server, they create a path and give us a folder, the file comes from there and we pick it up. We too do not want to give them access to our servers. On the business angle, today there are mandates from different divisions within the corporate to connect with banks. Moving from one division to another also requires customization.
R Mani: What happened in one case was that the business group came to us and said they want online connectivity. But when we met their IT team, they come out with a different version saying they didn't want real online connectivity. What they were talking about was a facility by which there will be a download from their ERP, and manually put into transaction in the bank's system - why, because their internal information security team did not allow online connectivity in a seamless manner. So there is a difference in perception between the business teams and the IT teams.
Harshan: At the gate, we are supposed to provide filtrations in respect of AML. Vispi: We don't actually get access to the server, they create a path and give us a folder, the file comes from there and we pick it up. We too do not want to give them access to our servers. On the business angle, today there are mandates from different divisions within the corporate to connect with banks. Moving from one division to another also requires customization.
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