lnternet Banking

Scope Document
of
Sonali Bank Limited

1| rr'..t r.: lr
 Table of Gontents Paqe #

1. Functional requirements - Retail Module 3

2. Functional requirements - SME & Corporate Module 10
3. Technical requirements 16
4. Non Functional Requirement 21

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 +

ln etB kin Functi nal R ui ents

Functional requirements - Retai! Module:

The functional list below is not exhaustive. Sonali Bank Limited has
the right to change the
requirements based on the business requirements.

I LOGIN Mandatory

1.1 User login with valid credential and second layer of authentication (2FA)
M
't.2 Login page should contain general security notification for the
user
Should capable to authenticate with devices and portal,s window shall
1.3 fit as per the
device M

1.4 WELCOME
Welcome page includes user detail, last login d,etail and overview of Bank, 6enera
1.4.1
Notification a nd others if a M
ln case of chargeable services, charge related notification like ,,Charge
1.4.) Applicable', can
be given. M

2 GARD MANAGEMENT
2.1 Gonsumer Gard:
2.1.1 Outstanding, Available Limit ( Ca sh/Pos/usD)
M
2.'1.2 Minimum Due, Due Date
M
2.'1,3 Last 12 Months Statement ( Credit/Debit/Prepaid/Supply Card)
M
Real-time Transaction Details (Unbiiled)credit/Debit/prepaid/suppry
2,',t.4 cardlposted & onry
Auth M
2.1.5 Card Activation/Block-Requ est fo activation an d BIock houl,
d be soft
2.1.7 Card Offers, Discount Pa rtn ers ist & Pro duct propositi ons-Ma
I
nual U p loa d
2.r.8 EMI ( Eq ual M onthly I nstallment)/(Zero lnstallment Payment
(zt P) Loan lnformation M
2,1.9 Card PIN set/reset/change with security questions and answers
M
2.1.'lO Endorsement detail
M
2.1.1'.| Loyalty points view
M
2.'t.12 Loyalty points redemption
M
2.1,13 EMlCalculator
M
2.1.14 Limit Rearrangement (BDT to USD and USD to B DT)
M
2.1.15 Total Client Limit view option
M
Shad, ow accou nt wrse loan imit, installment paid and remaining loan outstanding
2,1.16
amount VIEW M
2.1.17 Card (Base, SuPP, Primary, Backup) status vtew option
M
z.r.r8 Card wtse (8a S€, supp Primary, Backup Activation status
view option M
2.2 CORPORATE CARD
2.2.1 Corporate overview by Com pany Administrators

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 2.2.2 Restriction card wise M
2,2.3 Corporate card companywide card list view M
2,2,4 Corporate card holders will avail all the features mentioned for Consumer Cards M
2.3 Merchant Management
2.).1 Transactions report (daily basis). M
2.).2 Transactions history summary (monthly basis). M
2.3.) Settlement report (daily basis). M
2.).4 Credit advise (daily basis). M
2.).5 Account balance inquiry (only for account merchant). M

z.).6 Payroll card balance inquiry along with last 07 days POS settlement. M
2.3.7 ZIP transaction report after enrolment on monthly basis M
2.1.8 ZIP commission adlustment report on monthly basis M
2.3.9 Claim Management M

2.4 Maintenance
2.4.1 Limit Rearrangement (BDT to U5D and USD to BDT) M

2.4.2 E-Mail Address or Profile Change

2.4.3 Statement mode change (Post to E-Statement)

Supplementary Card Spending Limit set Up (Only Base cardholder will allowed to set the
2.4.4
limit)
2.4.5 Early renewal request

3 UPDATE PROFILE INFORMATION

3.1 Change PIN / password M

3.2 Set / reset with security questions and answers M

3.) Update other profile information M

3.4 User should unlock portal lD by asking some security question if get lock M
User should reset password by asking some security questions and send it to
1.5 M
authenticated address(mobile/emaiUresidence)
).6 All buttons should be left aligned (Save, Print, OK, Cancel, Back etc.) M

4 Y ACCOUNT

Account summary for all types of accounts.(savings accounts, current accounts, term
4.1 M
deposits, foreign currency deposits, Ioans, credit cards, prepaid cards, others)
4.2 Account details (lndividual account detail, account status etc.) M

4.) Mini statement (last 1o transactions) for all accounts M

4.4 Past transactions for a specified period M

Account statements for a chosen period (with option to view onscreen or download in
4.5 M
Excel/PDF formats)
4.6 Transaction search based on different parameters M

4.7 All display/view of any card number should be with masking M

+.8 All buttons should be left aligned (Save, Print, OK, Cancel, Back etc.) M

5 FUNDS TRANSFER

Own Account Transfer M

5.1

lnternal Account Transfer(SBL to SBL) M

5.2
Other Bank Account Transfer M
5.)
CASA account to Prepaid/PayrolUCredit Card Transfer & vice-versa M
5.4

4lfage ..:1.
,_
-.
--J.r::,,:.
I
.

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 5.6 View limit utilization-CASA
M
5.7 5l for Utility Bill payments for CASA and Cards except debit
M
5.8 All buttons should be left aligned (Save, print, O K, Cancel, Back etc.)
M
Transaction Referen ce N um bers should d splay with un ique and s horter
5.9 ength if c S
reference number is M
5.10 Template creation for any payment
M
6 cusToMER SERVTCE REqUESTS

6.j
Cheque book issue request, pay Order lssue request, Status of all customer service
Customers etc. M
6.2 Remittance request for corporate customer
lssue demand draft request (Single & bulk)
6.3 "Pay Order lssuance request (single & bulk) for Corporate Customer,,
M

Request for nternet Ban king Password re-set with OTP security (u FA T
I
oken), email, sms
Request for bile Banking, Mobile Apps, Agent Ba nking password reset with OTP
6.4
security (2FA Token), email, sms M

Request for Static Data Change (Address, Phone No., Employment

Status, etc.) with
6.5 DOC upload should be included through OTp (zFA Token). M

6.6 lssue debit card request

M
6.7 Apply for credit card, Prepaid Card, payroll card
M
6.8 Standing order request
M
6.9 Account statement request for more than t: months
M
6.1o Debit card, Pre-paid Card and payroll card plN change request
M
6.11 Credit card PIN change request
M
6.'t2 Positive Pay Confirmation
M
6.13 Address change request for bank accounts, Credit Card, Payroll Card
M
Loan Related: Existing customer can do inquiry on the loan account, request
for
different certificates and non-customer/customer can do inquiry on the loan products,
5.14
apply for Ioan through online and shall get eligibility status of loan (for both Retail
&
SME Customers)

6.14.1 Balance Confirmation Certif icate

M
6.14.2 Duplicate Sanction Letter
M
6.14.3 Loan Outstan lnformation
M
6.14.4 Provide NOC against Loan
M
Full/Partial Loan settlement - There should be flexibility of adding more
service request
or modify existing service request through parameter level. Exisiing customer
/ non-
customer can inquiry on the roan products. After apprying loan, appricant
shail get a sMs
and/or onscreen notification for his/her eligibility of ioan. Eligibility shall
6.14.5 be calc"ulated by
the web-portal customer Risk Grading (cR6) engine based on rules set for M
different
Loan Products & customers. The rule shall be provided by sBL during
implementation
and in future the rule must be modifiable. Web-portal will be integrafed
with Bank,s
other system for processing loan application related data.

Notification to customer on approvar/deniar of customer roan apprication

6.14.5
After disbursement customer shall get a sMS and/or onscreen notification
on Disbursed M
amount' LoanTenor, rnterest Rate, EMr amount, EMr startingdate, rtemized
Loan Fees
and Charges deduction

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iech

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 Reminder on EMI date and amount 3 days ahead of due date through sms, email and
pop-up message in internet banking portal after login to the portal
6.14.7
M
Loan Outstanding notification at the end of every month through sms, email and pop-up
in internet ban after to the
Loan Calculator - Calculate Loan EM I of any SBL loan product for any particular loan
6.14.8 M
product

6.14.9 Customer can upload required documents for fast processing of loan application. M

6.15 Cards Related

6.t 5.t Card/PlN Replacement M

6.1j.2 Enrollment of SMS and email Alerts M
6.15.3 New Card Cheque book request M
6.15.4 Product Type Change of Credit Card M
6.15.5 Settling Standing lnstruction M

6.i5.6 Service request with doc upload and editing option M

6.15.7 VCAS Enrollment M
6.15.8 Card Activation Request M

6.15.9 Card Blocking Request M

6.15.10 Request for static Data change M

6.15.11 N number of service request with escalation matrix/Work Flow should be added M

616 Statement & Certificate Related

6.i6.1 Account Statement M

6.r6.2 Loan/Card Certificate M

6.r6.3 Solvency Certificate M

6.16.4 Tax Certificate

6.17 Pri".'t@
6.17.1 Dollar and other currency request at air-port M

6.17.2 Special services request at airport M

6.17.) Lounge Service request at airport M

6.17.4 RM Call Back M

6.17.5 Dispute credit card transaction M

6.'t7.6 Any other service requests the bank may wish to add M

6.17.7 All buttons should be left aligned (Save, Print, OK, Cancel, Back etc.) M
The frontend portal should change to priority branding and give the priority look and
6.17.8 M
feel while customers in with their credentials
OTHER SERVICES Customer shall get a tracking number after application through web'
7 portal. The request shall be routed to the respective department for processing.
7.1 Cheque status M

7.2 Stop cheque inquiry

7.2.1 Stop cheque request

7.) Exchange Rate inquiry M

7.4 Block/Unblock cheque M

7.5 Service request status M

7.6 Search criteria should be single and range M

5lff.ige
o:
+

*
 7.7 All buttons should be left al igned (Save, Print, OK, Cancel, Back etc.)
M
Transaction Reference Numbers should disp lay with unique an d sh
7.8 orter length it cBs
reference NU mber ts M
On tne Complaint Customer can com pla n on rne for selected product servtces. The
I
7.9 com plaint wil be route to th e re spective d efin ed department as well
as entral Service M
d Customer will status of h
Deposit Calculator - Customer can calculate lnterest and net interest
7.10 after all
deductibles for M
Product Detail Customer can see the details product features of a pa rticula product
7.11
selected from M
Service Deta ils Customer can see the details seryrce features of a particu lar service
7.12
selected fro m M
7.13 Locator - ATM and Branch locator with drivi ng direction. M
Acco unts Open ing Request Non-cu stomer can req uest for opening
of Acco u nts with
self-inputtir ng his/her informatio n, Separate form (similar to AO F for
7.',t4 both individua &
Non-lndividual Cu stomers sha ll be available for b ot h tn dividu al and non-tn M
dividual
customers nd Customer m ust data tn the fields.
Printing option for Account Opening Form (AoF) with the inform ation
7.15 inputted by
customer for SU bmission to Bank cou nt. M
Customers' information shall be stored ln the web-portal data base an
d can be directly
uploaded tn the core bankin c system to
7.16 Senerate account. After gen eratir ng account,
custo mer sha get n otification through SM s and email, and trackin d NU M
6 mb er s hal be

7.17 Account closure request

M
Contact List Customer ca n see th e co nta ct ist of ran ches, Departments and
7.18
contact M
7,2o Loan adjustment certificate request by the borrower once the
I oan ts adlusted
M
I BItL PAYMENTS
8.t Register biller for payment
M
Bill payments of all P2C, P2 payments wh ich includ es all govern ment payments
8.2
inclr e-Cha an ed ucation institutes tu ition fee M
etc.
Mobile top-up, pre-pa id electric meter pre-pa id WASA meter
8.1 Pre-Pa id gas meter etc
and
Credit card bill payment, Card to any payment, fund transfer fro m pre-paid
8.5 card to Credit
Card M
8.6 Provisions for adding any other utility bill payments
M
8.7 lnstitution fee payments.
M
lnsurance premium payment to 5BL account and other ba nk
8.8 accounts through BEFTN
and RTGS. M
8.9 E-Comme rce lntegration a nd settlement with respect tve systems M
8.ro Ail b uttons should be left aligned ( Save, Pri f,t, o K, Ca nce B
ack etc. )
I
M
Host to Host integration with external Biller system to view
8.rr bill info rmation online and
bilt n with BAS+++ M
9 FIXED DEPOSITS

9.1 View existing Fixed Deposit detail

M
9.2 Open new Fixed Deposit
M
9.1 AII buttons sh uld be left aligned (Save, Print, o K, Cance Ba ck etc.) M
10 & CREDIT CARDS
10,1 Outstanding balance / re payment status
M
10.2 View statement for loan account / credit card account
M
10.3 EMI payment / Credit card bill payment
M

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* ess lT)
 10.4 Next payment due date M
10.5 Autopay / standing instruction for loan EMI / credit card bill payment M
ro.6 Apply for loan / credit card M
10.7 All buttons should be left aligned (Save, Print, OK, Cancel, Back etc.) M
12 U5ER REGI5TRATION

12.1 Customer self-registration and activation M

12,2 Registration of customers by bank administrators M
12.) Pre-linked username and password for instant issuance of internet M
12.4 All buttons should be left aligned (Save, Print, OK, Cancel, Back etc.) M

,l SEAMLESS INTEGRATION BETWEEN INTERNET BANKING AND OTHER CHANNELS

One time registration for all the channels internet banking, mobile banking, agent
13.1 M
banking, mobile wallet, mobile apps, BEFTN, RTGS, etc.
13.2 Banking and other channel systems M
Option to use the same username and password for all channels like internet banking,
13.3 M
mobile banking, agent banking, mobile wallet, mobile apps, etc.
13.4 Common look and feel across the platforms including User interface, Menu options M

t4 INTECRATE OTHER CHANNELS TO THE INTERNETBANKING PLATFORM

Call center, tele-banking,mobile banking, agent banking, mobile apps, NPSB, BEFTN,
14.1 RTGS, mobile wallet, Sonali Payment Gateway (SPG), Card Management System (CMS), M
e-Commerce Gateway, etc.
14.2 Bank Branch modules for customer service requests M

14,) Self-service machine modules for customer service requests M

Web-Services (APl) and ISO 8581 interface must be available for the following channels:
i. Call center,
ii. tele-banking,
iii. mobile banking,
iv. agent banking,
v. mobile apps,
vi. NPSB,
vii. BEFTN,
viii. RTGS,
ix. mobile wallet,
x. Sonali Payment Gateway (SPC),
14.4 xi. Card Management System (CMS), M
xii. e-CommerceGateway,
xiii. e-Commerce market place
xiv. e-Challan
xv. Covernment Payment services
xvi. National lD
xvii. ibas ++, etc
xviii. VisaNet
xix, Utility Services provider
xx. Mobile Top-up
xxi. Prepaid and Postpaid electricity, gas and wasa meters

15 THE ADMINISTRATOR SHOULD HAVE THE CAPABILITY FOR:

15.1 Approving users M

15.2 Blocking/Un blocking users M

15.3 Enable or disable functionalities M

15,4 Terminate the users M

8li'rge
 15.5 Maintenance of activation requests
M
All administrator activities shall be logged to indicate the creation, modification
15.6 and
deletion of data M
t6 THE ADMINISTRATOR PORTAL SHOULD HAVE:

16.1 Th e capabilityto add new products and services easily as per ba nk' need
M
Provision for various types of alerts SU ch a5 S M S campaign syste m
't6.2 down a ert,
customized ca ma email n otif ication etc.
lnterfaces s hould be provided to generate repo rts according to ban k requirements
16.) us ing
data model the bank M
16.4 The capability to define the frequency of reports as per bank,s need
M
The capability to upload a dvertisements of vanous banking products
16.5 so as to be
tn M
AUDITING CAPABILTTIES AND AUDIT LOGS
Detailed audit logs. There shou d be support for storing the ogs tn a
detachabl, WORM
device. The audit logs sho uld b capable of bein u sed for fore nsic evid
b ence.
16.5 a The audit logs must contain each and every activity in the internet
banking
portal through any channels.
M
a The aud it log must contain detail information based o n who,
when, what,
wh ere to identify each event happened tn the internet ba n king portal.
a There will be a separate login and interface tor the auditor to monitor and
the event ed in the
17 THE ADMINISTRATIVE PORTAL TO HAVE VARIOUS REPORTING
CAPABILITIES SUCH AS:
't7.1 User-wise reports
17.2 Merchant-wise reports
M
17.3 Transaction-wise reports
17.4 Channel-wise reports
M
17,5 Number of registered users
M
17.6 Reports based on filters such as user activity, customer status, range
of date/tim e etc. M
Provision to search for custo mers based on d ifferent earch filters
17.7 ke name, mob
n umber, status etc. M
17.8 Other M lS reports:
M
Ban king tra nsaction (r ntra-bank funds transfer, inter-ban k funds
17.9 tra nsfer, biil payments,
M
17.1O Service requests
M
17.11 Biller wise payment reports
M
Registration reports (ruser registration, biller registration intra-bank payee
17.12 registration,
inter-ban k M
17.13 Branch wise summary reports
M
17.14 Any oth er rep ort th at th e bank id entif ies a mandatory before
sta rt of implementation M
Custom MI S reports Provisio n to easily create custom M IS
repo rt by selecting fields to
17.15 be added to the report nd specifying other parameters
e.g. date range for which data
has to be
17.16 Activity log reports
M
Login and activity report of each user accessing or processing
17.17 transactions through
different channels. M
17.18 Blocking nternet ba nking and other chann el access etc.
19 PROVISION FOR SETTING LIMITS SUCH AS:
19.1.1 Per User/Group
M
19.1.2 Per Transaction
M
9llrage
Tec,:,

'+
 19.1.3 Per Day M
Support for creation of users through bulk file upload should be available. The file
19.1.4 M
upload should support fixed length and delimiter separated file format.
19.1.5 The tool shall calculate EMI amount. M
After inputting information, a reference number shall be generated and updated at the
19.1.6 M
time of subsequent processing by different unit of SBL.
19,1.7 Provision to generate detailed reports, logs, audit trails, regarding all transactions M
20 TAB based Data Collection

20.'l Account Openlng

Tab Based account opening Processing (for Relationship Manager (RMs)/Account
Managers (nUs))- RM/AM shall visit customers and input loan related information from
20.1.2 the RM/AM's Tab sitting at the customers' premises. lnputting of may be both online M
and offline. ln the event data captured in the offline mode, the captured data shall be
flashed to web-portal when the RM/AM is online.
2O.1.3 Each and every Account Opened is audited by a Sales Manager instantly M
20,'t.4 Different Ml5 Report and real-time tracking of the application
Field level validations prevent initiation of account opening applications with wrong
2O.1.5 M
data.

2o.i.6 Easy audit and tracking M

20.2 LOAN PROCESSING

Tab Based Loan Application Processing Processing (for Relationship Manager
(RMs)/Account ruanagers (AMs))- RM/AM shall visit customers and input loan related
20.2.1 information from the RM/AM's Tab sitting at the customers'premises. lnputting of may
be both online and offline. ln the event data captured in the offline mode, the captured
data shall be flashed to web-portal when the RM/AM is online.
RM (both Consumer & SME) shall input customers' Loan related information in the
20.2.2 specific format in the RMs Tab. The tools shall be installed in the RMs Tab so that he/she M
can input information either online or in offline.
20.2.) Scan & Upload of customers' Documentation related to loan application. M
lnstant decision on the provisional loan approval based on preset rules for the product
20.2.4 and customer combination. SBL will provide the rules during implementation. The rule M
shall be modifiable at any time.
After inputting information, a reference number shall be generated and updated at the
2O.2.5 M
time of subsequent processinA by different unit of SBL.
2o.2.6 Reports & MIS related to approved, declined and under processing applications. M

20.2.7 Flow based approval matrix of the loan processing M

Functional Requirements of Corporate & SME Banking Customers

ln addition to above retail module features the solution must have the capabilities to provide
the below functionalities for corporate and SME customers. All buttons shouid be left aligned
(Save, Print, OK, Cancel, Back etc).

Mandatory (M) /
1 LOGIN Optional (O)

1,1 User login with valid credential and second layer of authentication (zFA) M

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i1
 1.2 Login page should contain general security notification for the user
M
Should capable to authenticate with devices and portal,s window shall fit
1.3 as per the
device
M
1.4 WELCOME
Welcome page incl udes user detail, last login detail and overview of Bank,
1.4.1 General
Notification and others if any
M
)
,.1 Cha PIN
M
3.2 Set reset with s and answers
M
3.3 other information
M
).4 User should unlock lrD some if lock M
User should reset password by asking som e security questions and send it to
3.5
authenticated a
M
3.6 All button should be left Back M
4 MY i:

Account sum mary for all types of a ccounts. (savings accou nts, current acco
4.1 unts, term
curren credit id ca M
4.2 Account details account account status etc. M
4.3 Ministatement 10 for all accounts M
4.4 Past transactions for a
M
Accou nt statements for a chosen period (with opt ton to vtew onscreen or download
4.5 tn
M
4.6 Transaction search based on different arameters M
4.7 All of card number should be with mask
M
4.8 All button should be left Cancel, Back M
5

5.1 Own Account Transfer

M
5.2 lnternal Account Transfer to M
5.3 Other Bank Account Transfer
M
5.4 CASA account to Card Transfer & vrce-versa
M
5.6 View limit utilization-CASA
M
5.7 Sl for Bill ents for CASA and Cards debit M
5,8 All button should be left Can Back M
Transaction Reference N umbers should display with unique
,.9 and shorter length if CBS
reference number is
M
6

6.1 lssue c ue book

M
6.2 Remittance for orate customer
M
6.4 lssue debit card
M
6.5 for credit Card
M
6.6 order
M
6.7 Account statement
M
6.8 Debit Credit cards PIN
M
6.9 Positive Confirmation
M

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 Loan Related: Existing customer can do inquiry On the loan account, request for
different certificates and non-customer/customer can do inquiry on the loan products,
aoolv for loan throueh online and shall set elieibilitv o{ loan for SME Customers.
6.1o.1 Balance Confirmation Certif icate M
6.1o.2 Duplicate Sanction Letter M
6.1o.1 Loan Outstanding lnformation M
6.1o.4 Provide NOC against Loan M

FulUPartial Loan Settlement - There should be flexibility of adding more service request
or modify existing service request through parameter level. Existing Customer / non-
customer can inquiry on the loan products. After applying loan, applicant shall get a
6.1o.5 SMS, email and/or onscreen notification for his/her eligibility of loan. Eligibility shall be
calculated by the web-portal engine based on rules set for different Loan Products &
Customers. The rule shall be provided by SBL during implementation and in future the
rule must be modifiable. Web-portal may be integrated with Bank's other system for
processing loan application related data. M

Loan Calculator - Calculate Loan EMI of any SBL loan product for any particular loan
6.1o.6
product M

6.to.7 Customer can upload required documents for fast processing of loan application.
M
6.tz Statement & Certificate Related
6.12.1 Account Statement M
6.12.2 Loan/Card Certificate M
6.t2,3 Solvency Certificate M
6,'r2.4 Tax Certificate M
OTHER SERVICES Customer shall get a tracking number after application through web-
7
portal, The request shall be routed to the respective department for processing.
7.1 Cheque status M

7.2 Stop cheque inquiry M

7.3 Exchange Rate inquiry M

7.4 Block/Unblock cheque M

7.5 Service request status M

7.6 Search criteria should be single and range M

7.7 All button should be Ieft aligned(5ave, Print, OK, Cancel, Back etc) M
Transaction Reference Numbers should display with unique and shorter length if CBS
7.8 M
reference number is longer
Online Complaint - Customer can complain online for selected product / services. The
7.9 complaint will be route to the respective defined department as well as central 5Q
department. Customer will get status of his/her complaint. M
Deposit Calculator - Customer can calculate lnterest and net interest after all
7.10 M
deductibles for particular deposit product
Product Details - Customer can see the details product features of a particular product
7.11 M
selected from pick-list.
Service Details - Customer can see the details service features of a Particular service
7.12 product selected from pick-list. M

7.1) Locator - ATM and Branch locator with driving direction M

Accounts Opening Request - Non-customer can request for opening of Accounts with
7.14 self-inputting his/her information. separate form (similar to AoF for both individual &
Non-lndividual Customers) shall be available for both individual and non-individual M

t2l ? ;t ',& t
 customers and Customer must input data in the mandatory fields.
Printing option tor Account Open ing F orm (AoF) with the information
7.15 inputted by
customer for submission to Ba n k oun t.
M
Customers information ha be stored tn the web-po rta data base
and can be d irectly
I

7.16 u ploa ded tn the core ba n ki ng system o generate a cco nt.

u After gene rating account,
customer shall notifi,cation S M 5 and nu m ber sha be
7,17 Account closure
M
Contact List Customer can 5ee the contact list of Branches, Departments and
7.18
contact
M
LBPD requirement for mid customers (SME) wherein freq uent bill purchase
7.19 service is
needed
7.20 Loan stment certificate the borrower once the loan is M
8

8.r Register biller for payment

M
Bill payments of all paym ents which includes all
P2c,, P2 B, B2
8.2 Sovernment payments
tn uti ed ucation institutes tuition fee M
etc.
Mobile top-up, pre-paid electric meter
8.j Pre-pa id WASA meter pre-pa id gas meter etc.
and M
Credit card bill payment, Card to any payment, fund transfer fro m pre-paid
8.5 card to Credit
Card M
8.6 Provisions for adding any other utility bill payments
M
8.7 lnstitution fee payments.
M
lnsurance premium payment to SBL account and other bank
8.8 accounts through BEFTN
and RTGS. M
8.9 E-Commerce Integration and settlement with resPective systems
M
8.ro All buttons should be left aligned (Save, print, O K, Cancel, Back
etc.) M
Host to Host integration with externa Biller system to vtew
8.rr I
biil information online a nd
bi autom with BAS+++ M
'to
&
10.,
balance status
10.2 View statement for loan account credit card account
M
10.3 EMI nt Credit card bill
M
10.4 Next due date
M
10,5
instruction for loan EMI credit card bill ent M
10.6
for loan / credit card
M
10.7 All button should be left a Canc Back
12

12.'l
Customer and activation
M
12.2
of customers bank administrators
M
12,3
Pre-linked username and for instant issuance of internet
M
1).4 All button should be left a Back M
1) SEAMLESS INTEGRATION BETWEEN INTERNET BANKING
AND OTHER CHANNELS
One time registratio n for all the chann els rn ternet
1J.1 ba nk ing, m o bile ba n king, agent
mob ile wa mobile BE FTN etc. M
13.2 Banking and other channel systems
M
Option to U se the 5a me uSern ame a nd password for all chan nels Iike intern et banking,
13,3
mobile ba mobile m o bile M
etc.
't3.4 Common look a nd feel across the platf orms including
User interfa ce, M enu options M

13 lPage

ess rj-i
,
 14 INTEGRATE OTHER CHANNELS TO THE INTERNET BANKING PLATFORM
Call center, tele-banking, mobile banking, agent banking, mobile apps, NPSB, BEFTN,
14.1 RTGS, mobile wallet, Sonali Payment Gateway (SPG), Card Management System (CMS), M
e-Commerce Gateway, etc.
14.2 Bank Branch modules for customer service requests M

14.) Self-service machine modules for customer service requests M

Web-Services (APl) and ISO 8581 interface must be available for the following channels:
i. Call center,
ii. tele-banking,
iii. mobile banking,
iv. agent banking,
v. mobile apps,
vi. NPSB,
vii. BEFTN,
14.4 viii. RTGS, M
ix. mobile wallet,
x. Sonali Payment Gateway (SeG),
xi. Card Management System (CMS),
xii. e-CommerceGateway,
xiii. e-Commerce market place
xiv. e-Challan,
xv. ibas ++, etc

15 THE ADMINISTRATOR SHOULD HAVE THE CAPABILITY FOR:

15.1 Approving users M
15.2 Blocking/Unblocking users M
1r.3 Enable or disable functionalities M
't5.4 Terminate the users M
15.5 Maintenance of activation requests M
All administrator activities shall be logged to indicate the creation, modification and
15.6
deletion of data M
,6 THE ADMINISTRATOR PORTAL SHOULD HAVE:
16.1. Separate administrator login M
16.2. Creating, modifying & deleting users M
16.). Setting and modifying hierarchy/workflows for access, Transactions M
16.4. Customizing view screens for access cateSories o
16.5 Creating, modifying and deleting Iimits for access categories M
16.6. Maker and checker concept with multiple authorization hierarchy M

16.7. Separate administrator login M

16.8. Creating, modifying & deleting users M

16.9. Setting and modifying hierarchy/workflows for accesl Transactions M

16.r0. The capability to add new products and services easily as per bank's need M
Provision for various types of alerts such as SMS campaign, system down alert,
16.11
customized campaign management, email notification etc. M
lnterfaces should be provided to generate reports according to bank requirements using
'16.12.
data model provided by the bank M

16.13. The capability to define the frequency of reports as per bank's need M
Detailed audit logs. There should be support for storing the logs in a detachable woRM
16.14. M
device. The audit logs should be capable of being used for forensic evidence
16.15 The capability to upload advertisements of various banking products so as to be M

14 lPage
 displayed in every pages

17
TO SUCH
17.1
User-wise rts
M
17.2 Merchant-wise
M
17.3 Tra n sa ctio n-wise
M
17.4 Channel-wise rts
M
17.5 Number of users
M
17.6
based on filters such as user customer of etc M
Provision to sea rch for customers based on different search filters
17.7 Iike name, mo,bite
a sta tus etc
M
17.8
Other MIS
M
Ba nking transactions (lntra-ban k fun ds tra nsfer inter-
17.9 ba nk fun ds tra nsfer, biil payments,
M
17.1O
Service
M
17.11
Biller wise re
M
't7.12 Registration reports (user registration, biil,er registration, intra-ban payee
k registration,
inter-ban k
M
17.13
Branch wise su
M
17.14
other that the bank identifies as man before start of ementation M
Custom MI S reports Provision to easily create custom M s report
by selecting fields to
17.15 be added to the report a nd spec ifying other pa rameters (,e.g.
date ra nge for Whirch data
has to be extracted
M
17.16
I
M
Solution to support Call Center log-in or API to integrate with bank,s
17.17 CRM/Call Center for
various activities such as;
M
Blocking lnternet banking and other channel access tor pecific
't7.t8 em ployee of Corp orate
based on customer needs.
M
19
FOR LIMITS
19.1
Per
M
19.2 Per Transaction
M
19.) Per
M
Support fo creation of users thro ugh bulk file upload should be availa
19.4 ble. The file
should fixed a nd delimiter file format. M
19.5 The tool shall calculate EMI amount.
M
After tn p utting informatio n, a referen ce n umber shall be generated
19.6 an d updated at the
time of diffe rent u nit of SBL,
M
20
20.'l Information about current ra forward rates
M
20.2
for and sale of forex contra cts
M
20.) for and of forward contracts
M
20.4 uest for facil for
M
20.5 Treas other forex contracts
M
20.6 Account transaction statements for forex contracts
M
2t
21.1
View LC
21,2
M
View Ex LC
21.) M
lnitiate LC
M
15 lPage
"lechn

* ness lI
2',1,4 View I Bill M
21.5 View Export Bill M
21.6 lnitiate BG M
21.7 View Outward 6uarantee M
21.8 Line Limit Details M
21,9 All document should be uploaded at time of initiate LC M
21.10 lnitiated LC should be save and printable M
21.',t1 Outstandingbalances, limits, transaction statements forTradeFinanceproducts M
21.',tz All button should be left aligned(Save, Print, OK, cancel, Back etc.) M
21.1) Linking of Trade Finance to customers Current Accounts M
lnitiating Different Service Request related to Trade Services. e.g. Service request for
21.14
Bills M
t2 CAS}I MANAGEMENT
22.1 Single and bulk Collections - cash, cheque, PO,DD M
)) 1
Single/Bulk Payments (bulk file upload) - cash, cheque,PO,DD M
22.) Bulk transfer requests for payroll card M
22,4 Transaction statements, MlS, reconciliation, for collections, payments accounts, M
22.5 Multiple logins, checker, authorization hierarchy for limit wise M
Bulk Fund transfer to other Bank account and separate file should generate for
zz.6
uploading to BACH system M
Single and Bulk Request for Bangladesh Bank Cheque lnstruction, 5BL Cheque lssuance
22.7
with digital signature M
22,8 Standing lnstruction M
Connectivity solutions integrating customers Enterprise Resource Planning (ERP) system
22.9
with the bank, Host to Host connectivity, M
22.10 Collection summary report by integrating with Banks lnternal Systems M
22.11 Utility bill payment including lnsurance, Wimax, Mobile Top-up M
Cheque Printing with digital signature and checker, authorization hierarchy for limit and
22.12
group wise M
MIS report as per Client's requirement like lnvoice no, Drawer name, reference no,
22.13
special narration.
22.14 View Cheque/Pay order status by integrating with BACH system M
22,15 Frequency of MIS as per requirement M

Technical requirements :
The solution should have the below mentioned technical capabilities and features

Sl. No Technical Requirement Mandatory (M)

/ Optional (O)
4
I GINEfiAL
Solution must be developed ng OWASP SECURE CODING Gu
1.1 and SDLC develo M

1.2 Architecture must be scalable, secured and robust M

lSlPage
 il 1.4
Any Dependency on upgra dation of platform lik e OS, Data base
and Hardware
nte rtace to c o re ban k n s system fo fi n a n c ta a n d n on fi n an CI
version/release

a tra NS a cti o ns
M

il
U
l\,4
lnterface to ATI\,4 switch in I SO 8583 messa e format
l\,4
LO lnterface throu h middleware to Bank's s S
[,,1
1.7 lnterface throu h ent atew to credit card transaction S
M
'1
.8 Should su rt web services / Xl\,4L throu hh
N,,|
1.9 GUI based s tem monitorin lnterface
M
1.10 should su multi currencies
1.11 S tem should su multi ua ES
I
IV
1.12 c om pati b e with a ma Jo b rowse rS ncl ud tng bu not m ited to
M
d iffe rent verst on s of E C hro m e F refo X a nd S atafl
1 .13 ntegrate with existing third-party applications and channels
IV
1.14 Ap p tca ti o n Sh o U td s U ppo rl online re D CA o n of d a ta at th
e Ba n k s t\,4
ba c S ite for d S a s te rec

1.15 Data backu and archivin

t\,4
1.16 S ol U to n s hou d S U p port sepa rate development, QA Test and U T e n vlro n m en
M
2 Th e s o lution s ho U d s u ppo n the fo low n sec u rity feat u re
s s M
2.1 Username and password for accessing
M

Auto b lo ck in g/loc k in gr.r pon reaching maximum

number of tries wilh inv alid/incorrect PIN/password. The maximum
number
of incorrect tries should be configurable by the Bank
M

T e rm inati o n of S ess on a n d log off afte aps e of

co nfigu ta b e tm e period Po p-u p a e rt tn m ati n CU s tom e(
s that
ses S ion S a bo ut to expr re
M
3 The solution sh ould support the following transaction level
IV
security;
3.1 End to End encryption of data transmission. (Symmetric
or N/
Asymmetric
3.2 Minimum two factor a uthentication (with provision for a second
I\,,|
factor like transaction transaction password, debit card grid
panel, RSA token etc .OTP,
)
System should support multipl e authentication in terms
of corporale user based M
on bank's preferences
4 The transactions thro ugh the system should be reliable
and [.4
auditable - The platfo rm should have the intelligence to handle
cases like:
4.1 lf lnlernet connection drops during transaction
M
4.2 Back-end host system down.
M
4.3 Offl ine transaction handling
l\,4
5 The system should provide the following functionalities
with l\4
respect to transact ion Logs;
c. I Should mainta in detailed transaction logs to enable processing
l\,4
17lPage
,/j<N

$zr
 audit trails to be reconstructed in the event of any disputes or
errors.
5.2 The retention period of logs should be parameterized M

5.3 Security safeguards should also be implemented to protect the M

information from unauthorized modification or destruction.
5.4 System should facilitate maintaining a log of the reasons for M
unsuccessful transactions.
5.5 An audit trail of all the registrations done with details of the mode M
of request, who activated, date, time, etc, should be stored in the database

6 The solution should be scalable to meet future M

enhancements/upgrades.
7 The platform should provide the functionality for the administrator M
to create and modify different end-user and administrator-user
groups with different set of rights/permissions (through the
administrator portal)
The Platform should provide Web Services to integrate with other channels
like Mobile Financial Services (MFS) provider, agent banking, integration
with Government eServices, National lD System, Payment Gateway, Utility
service providers, NPSB, BEFTN, RTGS, BACH, Visa Net, etc.

Web-Services (APl) and ISO 8583 interface must be available for the
following channels:
xxii. Callcenter,
xxiii. tele-banking,
xxiv. mobile banking,
xxv. agent banking,
xxvi. mobile apps,
xxvii. NPSB,
xxviii. BEFTN,
7.1 xxix. RTGS, M
xxx. mobile wallet,
xxxi. Sonali Payment Gateway (SPG),
xxxii. Card Management System (CMS),
xxxiii. e-Commerce Gateway,
xxxiv. e-Commerce market place
xxxv. e-Challan
xxxvi. GovernmentPaymentservices
xxxvii. NationallD
xxxviii. ibas ++, etc
xxxix. VisaNet
xl, Utility Services provider
xli. Mobile Top-up
xlii. Prepaid and Postpaid electricity, gas and wasa meters

H Oeployrnent

8.1 Please list the deployment platforms supported: M

Server/Enterprise Class
I Front-end

lSlPagr
 v

I Database

9.1 Please list which databases are supported

M

9.2 Please list which OS, database, middlewa re connectivity frameworks

are M
used?

10

10.1 What development meth ods and processes are used?

I\4

10.2 What standards for code building are used?

M

10.3 How is Design & Code Quality Assured?

M

10.4 What Change Manage ment Process and Release Development

Processes M
are Used?

10.5 How are user and server programming errors managed?

M

10.6 What Application Develop ment Tools and tech nologies are
used to develop M
the software?

10.7 Describe the App lication Developm ent Tools that are used
to deve lop USCT M
custom sation code an d how they S upport VETS ion control?

10.8 What tools are provided to support the configuration and set-up
of the M
system?

10.9 Provid e a description of the h gh level functional ity & features

th at ca n be M
enabled or ch anged using only configuration-including custo m
isati ons that
do n ot req uire custom developme nt (i .e Prod uct configuration
).

10.10 Please detall th e application testing m ethod ologies and

tools which will be M
u seddu nn s th e imp eme ntation of the system.

10.11 Please expla tn the governa nce around the testing ifecycleilprocess
with M
respect to q uality and assura nce.

11

't1.'l lne the capabilities of the operatio nal s upport system(s)

with
consideration fo fi

11.1.1 Monitoring system status/performance remotely

M
11.1.2 Generati ng automated larms (s MS, Ma r) in th e
event of failu res like M
tra nsacti on server performance any services
unavailability or nv
difficulties of ap plication server,

11.1.3 Performing systems changes without any service

disruption M

19 lPage

usiness lT)
 11.1.4 Providing an automated back-up provision M

11.1.5 Providing fraud detection capabilities. Provide API to integrate with Fraud M
Detection system.

12 The solution to support following transaction level security:

12.1 End to End encryption of data transmitted (Symmetric or Asymmetric) M

12.2 Minimum two factor authentication with provision for a transaction PIN M

13 The solution to support following platform security & reliability:

13.1 Data stored is encrypted strongly in the platform database M

13.2 Audit trails and logging features available in Web Server, application server M
and database seryer.

13.3 It should be possible to assign specific rights to platform administrators for M

secure and restricted access.

13.4 Platform to be able to support external Certifying Authority M

13.5 Solution to be integrated with HSM system for Encryption Key M

Management.

Solution must be designed following the PCI DSS requirements v3.2.1

lnternet Banking portal must fulfill the requirements of PCI DSS v3.2.1

13.7 To have secure interfaces to various hosts systems M

13.8 The Web-portal to comply with Open Web Application Security Project M
(OWASP) guidelines

13.9 Standard algorithms like AES or RSA or 3DES used with M

13.'10 Minimum encryption strength of 128 bit for end to end transaction M

13.1 1 Platform to support PKI scheme M

13.12 The solution should capable with device authentication M

14 Application to support multiple channels for registration:

14.1 Bank Branch with option of bulk registration M

14.2 Registration through ATM M

14.3 Registration through l-Banking system M

14.4 Web portal registration M

20 lPage
 *

Registration through Bank's call center

I\4

14.6 Registration through

M

14.7 Registration through Apps

M

14.8 Registratlon through Mobile Banking

M

14.9 Registration through Agent

M

1 10 Registration through Payment

M

14.11 Registration through T

M

Sl.No. Non-Functional Requirement

1 Support

1.1 support
M

Local operation support presence

.3
M

1.4 Operations support applications

M

1.5 agreement
M

1.6 Monitoring capability

M
I
application monitoring
I
and
0ocumentation

Architecture document, system document, data

operations document, administrator document, other technical
document M
must be supplied with the lnternet Banking portal AS deliverables.

Change management process

M
Documentation must be in excel pdf
format. M

3.1 Training scope for operations users must be supported M

THANK YOU
21 lPage