SmartCBS is a web based Employee Cooperative Credit Society Software. Software enables the society to give lot of convenience features to its members.

SmartCBS - Advantages:

• Bring Employee Cooperative Societies at par with the technological platform of the Commercial Banks thus improving interms of service delivery to its members.
• Transparency and regular reconciliation and balancing of books of account to arrest pilferage.
• The member of the society can avail facilities through phone call, mobile app and website.
• SmartCBS design is based on open systems, it can seamlessly integrate with third party systems.
• Web based system advantages - cross platform compatibility, ease of deployment.
• Simple user interface: Allows users to easily navigate from one screen to another through intuitive hyper linking. Users gain access to complete details of customers and accounts with a minimum number of clicks
• Supports multiple delivery channels: Enables you to widen your reach with support for multiple delivery channels such as internet banking, telebanking, mobile banking, SMS, and ATM.
• Highly secure: Role based access control system ensures that only authorized users have access to specific modules.
• SmartCBS is future proof and can be seamlessly integrated with other applications. With robust architecture and scalability, it ensures protection on your investments

SmartCBS - High level Modules

• Membership & Shares and Dividend
• Thrift Deposits
• Membership Benefit Fund
• Savings
• Fixed Deposits(FD)
• Recurring Deposits(RD)
• Deposit Loans - Loans on FD and RD
• Gold Loans
• Personal Loans
• Education loans
• Accuracy and Accountability TaskList - maker and approver concept
• User authentication and authorization capabilities
• Convenience Dashboards
• Transactional SMS and Email alerts
• Accounting module
• New product developement using Schemes - supported for products like Savings, FD, RD and Loans
• Multi state and Multi Branch support
• Reporting
• Auditing
• Recovery Module for Loans, Defaulters list
• Mobile app for Member(s)
• Self Service Portal for members