Comprehensive Banking Technology Suite

Enterprise Banking Products & Technology Features

Modern Core Banking, AI Document Intelligence, DPDP Compliance, Lending & Clearing Infrastructure.

Finverge delivers mission-critical banking software built for extreme reliability, regulatory rigor, and high transaction volume across India’s financial landscape.

Explore Features

700+

Financial Institutions

Commercial banks, cooperative banks & apex credit societies across India

25+ Years

Domain Leadership

Deep banking, cheque truncation, and payment systems engineering expertise

1.7M+

Daily Cheques Processed

High-throughput clearing pipelines operating daily on CheqSwift infrastructure

99.9%

Clearing Reliability

Uninterrupted operational resilience aligned with NPCI clearing schedules

Product Catalog

Institutional-Grade Product Architecture

Explore in-depth functional capabilities, integration standards, and security specifications for every Finverge product.

WiseBank CBS

Enterprise CBS

Next-Generation Modular Core Banking Solution for Modern Institutions

A modern, high-throughput, modular Core Banking Solution engineered specifically for Indian Cooperative Banks (UCBs/DCCBs), Regional Rural Banks, and Scheduled Commercial Banks.

Core Functional Capabilities

Comprehensive Multi-Branch General Ledger, CASA, Term Deposits, and Loan Lifecycle Management

Built-in NPCI Integration: Real-time CTS, NEFT, RTGS, IMPS, UPI, and NACH payment gateways

Regulatory Compliance Suite: Automated RBI Form A, OSS reporting, ALM analysis, and KYC/AML auditing

Agri-Lending & Micro-Finance: Dedicated KCC modules, SHG group lending, and locker management

Cloud-Native or On-Premises: High-availability active-active architecture with sub-second transaction latency

Visit WiseBank Website

Architecture & Specifications

Official Websitewww.wisebankcbs.com

ArchitectureMicroservices / Cloud-Native

ComplianceRBI Mandates & NPCI Ready

DeploymentOn-Prem / Private Cloud / SaaS

CBS MigrationTurnkey Automated Migration

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

ConsentBridge

Ready to Deploy

Turnkey DPDP Act 2023 Compliance & Consent Management Platform

A ready-to-deploy, end-to-end data governance and consent architecture enabling Indian banks and financial institutions to achieve 100% compliance with India’s Digital Personal Data Protection (DPDP) Act 2023.

Core Functional Capabilities

Omnichannel Consent Capture: Capture, verify, and store dynamic consent across web, mobile apps, SMS, and branch kiosks

Immutable Cryptographic Audit Trail: Tamper-proof logging of every consent lifecycle event with timestamping

Data Principal Rights Portal: Self-serve interface for customers to view, modify, withdraw consent, or request data erasure

Data Fiduciary & Processor Mapping: Automated data flow lineage, purpose limitation enforcement, and third-party vendor tracking

22 Scheduled Languages: Multilingual consent notices with audio/voice consent for rural and semi-urban banking customers

Architecture & Specifications

Regulatory FrameworkDPDP Act 2023 Compliant

Audit SecurityCryptographic Tamper-Proof

IntegrationREST API / Webhooks / CBS

Languages22 Indian Regional Languages

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

Early Warning Systems & FRMS

AI-Powered FRMS

AI-Powered Early Warning Credit Stress & Fraud Risk Management

Comprehensive intelligent risk monitoring platform that proactively identifies loan asset quality deterioration (SMA-0/1/2) and detects transaction fraud anomalies before financial loss occurs.

Core Functional Capabilities

45+ RBI-Mandated Early Warning Indicators (EWIs): Automated tracking across banking turnover, stock statements, and statutory filings

Real-Time Transaction Fraud Detection: Algorithmic screening for mule accounts, circular fund routing, and unusual velocity spikes

FIU-IND Reporting Automation: Auto-generation of Suspicious Transaction Reports (STR) and Cash Transaction Reports (CTR)

Borrower Entity Relationship Graph: Graph neural networks analyzing corporate group exposures and undisclosed related parties

Maker-Checker Investigation Workbench: Unified risk scorecards with automated alert prioritization and case resolution

Architecture & Specifications

EWI Indicators45+ Pre-configured RBI EWIs

Fraud DetectionReal-Time Sub-100ms Scoring

ReportingAutomated FIU-IND STR/CTR

Analytics EngineGraph AI & Pattern Matching

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

Digital Lending Platform (DLP)

Complete DLP

End-to-End Paperless Loan Origination, Underwriting & Servicing

A cloud-ready digital lending engine designed to reduce loan turnaround time (TAT) from days to minutes through automated onboarding, algorithmic underwriting, and digital disbursement.

Core Functional Capabilities

Multi-Product Loan Origination: Pre-configured journeys for Personal, MSME Business, Gold, KCC, Vehicle, and Home Loans

Instant Automated Verification: One-click Aadhaar e-KYC, PAN validation, GST analytics, and Account Aggregator bank statement parsing

Algorithmic Credit Decisioning: Customizable rule engines combining credit bureau scores, cashflow metrics, and alternative data

Digital Execution: Legally binding e-Sign (Aadhaar/NeSL), digital e-Stamping, and automated repayment mandate via e-NACH / UPI Autopay

Seamless CBS & LMS Interoperability: Bi-directional sync with Core Banking for real-time disbursement and repayment tracking

Architecture & Specifications

Loan Turnaround< 10 Minutes Instant Approval

VerificationAccount Aggregator & e-KYC

Executione-Sign & NeSL e-Stamp

ProductsRetail, MSME, Agri & Gold

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

VideoPD 2.0 (Integrated with LOS)

LOS Integrated

AI-Augmented Video Personal Discussion & Digital Field Verification

Next-generation Video Personal Discussion (V-PD) and digital asset inspection platform engineered to conduct secure, geo-tagged borrower interviews directly integrated with Loan Origination Systems.

Core Functional Capabilities

Direct Bi-Directional LOS Integration: Initiated directly from your Loan Origination System with automated status and dossier callbacks

Anti-Fraud Geo-Fencing & IP Forensics: Live GPS coordinate locking, reverse-geocoding, and cellular triangulation to prevent location spoofing

AI Liveness & Biometric Face Match: Continuous liveness detection and automated face match against Aadhaar/PAN documents

In-Call Document & Business Proof Capture: High-resolution live document snapshotting with automated watermarking and OCR extraction

Encrypted Video Vault: Tamper-proof AES-256 encrypted video storage compliant with RBI audit and regulatory inspection guidelines

Architecture & Specifications

LOS IntegrationReal-Time Bi-Directional API

Location SecurityAnti-Spoof GPS & IP Forensics

BiometricsAI Liveness & Face Match

Video StorageAES-256 Encrypted Vault

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

Cognify - AI Cheque Reader Engine

Neural AI OCR

Neural Document Analysis & Automated Field Extraction Engine

A deep learning computer vision engine that automatically recognizes, transcribes, and validates MICR codes, Courtesy/Legal amounts (CAR/LAR), dates, payee names, and signatures from cheque images.

Core Functional Capabilities

Sub-1.5 Second Inference: Ultra-fast neural processing per instrument with 99.98% parity precision

Automated CAR/LAR Cross-Validation: Discrepancy flagging between numerical amounts and written legal amounts

Pre-Processing Image Quality Analysis (IQA): Automated contrast enhancement, skew correction, and noise suppression

Multi-Script Recognition: Recognizes English, Hindi, and major regional Indian language scripts

Modular REST API & SDK: Plugs directly into CheqSwift CTS, mobile banking apps, or third-party clearing pipelines

Interactive Simulator →

Architecture & Specifications

Inference Latency< 1.5 Seconds per Cheque

Accuracy99.98% Parity Precision

Script SupportEnglish, Hindi & Regional

StandardCTS-2010 NPCI Specifications

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

CheqSwift CTS Platform

Flagship CTS

Flagship Intelligent Cheque Truncation Platform with Maker-Checker Workflows

The industry standard Cheque Truncation platform empowering over 700+ Indian banks to process millions of daily clearing transactions with zero-error maker-checker workflows and direct NPCI CHI connectivity.

Core Functional Capabilities

End-to-End Inward & Outward Clearing: Automated batch creation, clearing session lifecycle management, and settlement reconciliation

Configurable Dual Authorization: Multi-tier maker-checker queues with automated risk thresholds and signature verification

Hardware Security Module (HSM) PKI: Compliant with NPCI public key infrastructure, digital signing, and SHA-256 hashing

High-Throughput Batch Processing: Easily processes 50,000+ instruments per hour per node without latency bottlenecks

Continuous Clearing Ready: Architected to support RBI and NPCI continuous cheque clearing operational mandates

Deep Dive →

Architecture & Specifications

Throughput50,000+ Instruments/Hour

SecurityHSM Cryptographic Signing

ComplianceNPCI CTS CHI Interfaced

Track Record700+ Banks & 1.7M+ Daily

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

Remote Deposit Capture (RDC)

Cost Saver

Distributed Branch & Mini-Scanner Truncation for Decentralized Banking

Distributed point-of-deposit digital truncation solution enabling rural, semi-urban, and low-volume branches to truncate cheques locally without physical instrument transit.

Core Functional Capabilities

Universal Scanner Compatibility: Drivers and integration for Canon, Panini, Digital Check, and all CTS-certified scanners

Low-Bandwidth Optimization: Smart image compression and offline queueing engineered for intermittent rural connectivity

Frontline Image Quality Validation: Instant feedback to branch tellers on fold, tear, or unreadable MICR defects

Branch-to-Hub Zero Transit: Eliminates courier delays, transit loss risks, and clearing cycle bottlenecks

Architecture & Specifications

Scanner SupportUniversal Driver SDK

BandwidthOptimized for 2G/3G/4G

Offline ModeLocal Encrypted Spooling

TAT ReductionInstant Branch Clearing

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

Data Exchange Module (DEM)

NPCI Aligned

NPCI-Compliant Secure Message & File Exchange Interface

A high-security communication and file transformation gateway that interfaces institutional CBS systems directly with the Central Clearing House (CHI) over secure SFTP and VPN tunnels.

Core Functional Capabilities

Automated File Packaging & Extraction: Generates NPCI-compliant XML metadata bundles and encrypted image packages

Automated SFTP Pipeline: Scheduled and trigger-based file transmissions with automatic retry and handshake verification

Clearing Session Monitoring: Real-time dashboard tracking clearing windows, rejection codes, and settlement acknowledgments

Multi-Tier Failsafe: Redundant network channel switching and high-availability clustered architecture

Architecture & Specifications

ProtocolSFTP / TLS 1.3 / IPsec VPN

EncryptionRSA-2048 & AES-256

InterfaceDirect NPCI CHI Routing

FailoverAutomatic Multi-Node Failsafe

💡 Interoperability Guaranteed: Engineered with standard RESTful APIs and secure connectors for major CBS, LOS, and NPCI hubs.

Enterprise Governance & Interoperability

Designed to Plug Into Your Existing Banking Technology Stack

Whether you operate on Finacle, TCS BaNCS, Flexcube, or regional cooperative core banking systems, our modular products deploy seamlessly without disrupting daily operations.

100%

NPCI & RBI Compliance

DPDP 2023

Data Protection Ready

Request a Custom Platform Architecture Review

Connect with our senior banking systems architects for a comprehensive evaluation of your institution's CTS clearing, CBS modernization, or DPDP compliance roadmap.