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Bank On Cloud

Core Banking Solution (CBS)

Centralized Online Real-Time Exchange(CBS )provides a centralized environment, in which the information of the customer's account is stored in the central server of the bank, and is available to all the CBS networked branches,
instead of the branch server.

It has several advantages for both the customers and the banks -

Customers -

Transaction from any branch, (anytime anywhere banking facility)
Better funds management, due to immediate availability of funds, etc.

Banks -
Standardization of process within the bank
Better customer service leading to retention of customer
Instant reflection of transactions that can be viewed from any branch
Better risk management (e.g., loans against property or mortgage ), etc.

  1. User interfaces & access
  2. User functions
  3. Usability
  4. Payments
  5. Banking
  6. System configuration
  7. User management
  8. Agents/Brokers
  9. Mobile POS(Point of Sale)
  10. Account operators
  11. Account information
  12. Content management
  13. Translations
  14. SMS banking
  15. System management
  16. Shopping cart
  17. Market place
  18. Mobile app
  19. Analytics & Reporting
  20. Passwords & authentication
  21. Gift vouchers/Loyalty points
  22. Cards
  23. Commercial barter
  24. Alerts & Logging
  25. Messaging

User interfaces & access
  • Web Interface
  • Plugin for wordpress integration
  • Mobile App (Android, iOS)
  • Mobile POS (Android, iOS)
  • Web Point Of Sales
  • SMS operations
  • API connectivity
  • Point Of Sales & Cards (Near Field Communication supported)
  • Interactive voice response (IVR)
  • Unstructured Supplementary Service Data (USSD)
  • Register user
  • Profile completion progress bar
  • Update profile
  • Multiple pictures per profile
  • Multiple addresses
  • User defined language
  • Geolocation per address (GoogleMap)
  • Multiple phones
  • Enable phone for SMS banking
  • Manage passwords
  • Insert & manage custom images
  • Upload & manage documents
  • Notification preferences (per channel)
  • Manage contacts
  • User directory search
  • Show users/business on Map
  • Search users by distance
  • Search users by group / branch
  • Business referrals
  • Custom user forms
  • Custom user operations
  • Easy navigation
  • Personal dashboard page
  • Quick operation icons
  • Quick search (users, contacts, adverts)
  • Status overview (balances, last login, etc.)
  • Real time notifications
  • Banking payments
  • Internal payment (between own accounts)
  • Pay external (non registered) user
  • PIN less payments
  • Optional thresholds,
  • Max payment amount and daily limit
  • Payment requests
  • Bulk payments
  • Multi level transaction approval
  • View authorisation flows
  • Show transaction details
  • Cashin, cashout payments
  • Qualify transactions
  • View qualification of other users
  • Rollback payments
  • Scheduled payments
  • Loan repayment
  • Invoice payments
  • Webshop payments
  • Multiple currencies (Including Blockchain)
  • Account numbers (own format or standard, e.g. IBAN)
  • Loans
  • Demurrage
  • Interest
  • Transaction fees
  • Set custom conditions for fee applicability
  • Scheduled fees (contribution)
  • Brokering fees
  • Group credit limit
  • Individual credit limit
  • Credit limit change log
  • Credit overview & search
  • Savings accounts
  • Minimum payment amount per payment / day
  • Maximum payment amount per payment /day
  • Restrict destination of payments (accounts, users)
  • Access rules per payment types
  • Unique transaction ID per transaction
  • Login with userID, phone number or email
  • Picture viewer with navigation
  • View help file
System configuration
  • Multi network setup (shared instance)
  • Define branches (groupsets)
  • Define URL (domain name) for networks and branches
  • Set group and branch visibility
  • Localisation (language, formatting, timezone) per group / branch
  • Set permissions
  • Create local account administrators
  • Customised filters for users and advertisements searches
  • Create new access channels
  • Define generated login name
User management
  • Register user
  • Disconnect user
  • Block / unblock user
  • Disable / enable user
  • Delete user
  • Change group
  • Give individual permissions (product)
  • Perform actions in behalf of user
  • Activate ‘pending’ users (public registration)
  • Send message to user
  • Send message to group
  • View connected users (per user role)
  • Show member activities
  • Filter by branch region
  • CRM features (user records)
  • User comments, history search
  • Define registration agreement
  • View user agreement history
  • View profile changes history
  • Manage documents
  • Upload documents
  • Show agents/brokers
  • Show users of agent/broker
Agents / Brokers
  • Multiple broker per user
  • Set main broker
  • Register new users
  • Manage user data
  • Print & export users
  • Perform operations as user
  • Define broker permissions
  • Send mailing to ‘my users’
  • View connected users
  • Receive notifications about users
  • Manage passwords of user
  • Manage user access
  • Broker commission
Mobile POS (Point of Sale)
  • Android app
  • Receive payment
  • Print daily transaction list (POS owner)
  • Multiple user identifiers (QR/barcode, userID, NFC card or phone)
  • NFC card will start up the app in POS mode and open receive payment page with the user identified by NFC card.
  • Format NFC card
  • Assign NFC card to customer
  • Make payment to customer (cashout)
  • Interface for integration with third party POS or ATM networks
  • Receive notifications by SMS
Account operators
  • Create manage operator groups (by business type user)
  • Define permissions for individual operators or operator groups
  • Operators overview
  • Show transactions per operator
  • Disconnect operator
  • Custom payment fields
  • Unique payment settings per channel (SMS, etc.)
  • System accounts (debit, community, etc.)
Account operators
  • Create manage operator groups (by business type user)
  • Define permissions for individual operators or operator groups
  • Operators overview
  • Show transactions per operator
  • Disconnect operator
  • Custom payment fields
  • Unique payment settings per channel (SMS, etc.)
  • System accounts (debit, community, etc.)
Account information
  • View account summary
  • View current balance
  • View charges & fees
  • View payment history
  • Print & export payments
  • Search payments (user, date, description, etc.)
  • View payment details
  • Print payment details
  • Dynamic payment filters
  • View average age of account balance
  • View average maturity of account balance
Content management
  • Intuitive site design (color pickers)
  • Multiple websites (per group / branch)
  • Create new menu items
  • Manage content pages
  • Multiple translations per system
  • Incremental translation keys (only save customisations)
  • Online translation management
  • Create & manage banners
  • Manage footers/headers
  • Manage message board
  • Upload logos
  • Define logo/header for pdf pages (e.g reports)
  • Create new themes (styles, colors and images)
  • Import / export themes
  • Category browsing
  • Search for translation keys / values
  • Update translation keys / values
SMS banking
- Multiple translations per system
- Register new user by SMS
- Retrieve account information
- Retrieve payment details
- Make payment
- Activate phone via SMS (confirmation code)
- System management
- Create networks
- Create system administrators
- Create multi network administrators
- Fully indexed searches
- Set session timeout
- Create new (custom) access channels
- Create & manage document categories
- Import users from file
- Create new credential (password) types
- Search engine submission (SEO)
Shopping cart
- Multistore management
- Stock management
- Out of stock warning
- Product number management
- Define delivery address
- Define shipping methods / prices
- Define estimated delivery time
- Promotional price
- Price negotiation process
- Display available quantities
- Product comments
- Order tracking
- Add comments to order
- Display cart content
- Place order (checkout)
- Accept / reject order
- Order number generation
- View purchases history
- Notifications on order status changes
- Saved shopping cart (in the database)
- Receive notifications by SMS
Market place
- Create / edit advertisement
- Multiple pictures per advertisement
- Rich text for advertisement editing
- Schedule advertisement
- Select address per advertisement
- Custom search filters (e.g. offers / demands)
- List new advertisements
- Category browsing
- Multiple advertisement categories
- Create advertisement categories
- Geolocation search (distance filter)
- Contact seller
- Public advertisement questions/answers
- Notification on advertisement status change
- Custom advertisement fields
- Advertisement matching notifications
Mobile app
- Android & iOS app
- Make payment
- View account balance, credit limits
- View account history
Analytics & Reporting
- Data on expenditure
- Data on income
- Number of logins
- Groups/branches numbers of users
- Percentage of users not trading
- Make payment (to user, to system)
- Search users
- Add user to contact list
- Customisable layout
- Customisable entry page / logo
- Add menu item (quick access icon)
- Add custom pages in app
- Account information
- Advertisements
- References
Passwords & authentication
- Login password
- Transaction password
- Verification code (OTP)
- Change PIN
- CAPTCHA input on public forms
- Complete virtual keyboard (optional)
- Smart secure virtual keyboard (optional)
- Recover password (optional)
- Gift vouchers / Loyalty points
- Create & manage vouchers types
- Set voucher redeeming options (e.g. possible weekdays)
- Define voucher layout (logo)
- QR code generation
- Print & export vouchers
- Buy & print voucher by user
- Vouchers overview & search by admin
- View my vouchers by user (Web and Mobile app)
Commercial barter
- Find users with low balances
- Match high balances to low balances on Google maps
- Alert when a user balance is below zero for a certain time
- Alert when a user balance is above a certain amount for a certain time
- Procurement/quotes
- Payment wall
Alerts & Logging
- Verbose error logging
- Search errors by period
- Search errors by user
- View error details (complete stack trace)
- Generate notifications on error (email, SMS)
Account operators
- Create manage operator groups (by business type user)
- Define permissions for individual operators or
- operator groups
- Operators overview
- Show transactions per operator
- Disconnect operator
- Send rich text message to user
- Send bulk messages (mailings)
- by admin or agent
- Define message categories (per user group)
- Forward internal messages to email
- Message history (inbox, sent, trash)
- Purge messages in trash after period (automated task)
- Member to member email messages

Delivery Model

BnC (Bank On Cloud) delivered through various model as described below:

• Installed Windows,Linux/Unix

• Cloud

• Saas

• Web

Installed Windows, Linux/Unix:

BnC can be installed into their own servers, which otherwise called as their own data center.


BnC can be delivered from Zeesta's cloud server.


BnC can be delivered as an independant module and or as full package based on number of users.


BnC can be delivered from their existing third party data center such as AWS, Google Cloud, Go Daddy etc.

IT Infrastructure

Infra as a service(IaaS)

Zeesta IaaS provides the infrastructure such as virtual machines and other resources like virtual-machine disk image library, block and file-based storage, firewalls, load balancers, IP addresses, virtual local area networks etc. Infrastructure as service or IaaS is the basic layer in cloud computing model. More elaborately IaaS is analogous to buying furniture from Walmart. You are given all the materials, you need to build it yourself. ie, you are given a computer without even an OS on it, and you can install the OS and all the software on top of it as you wish.

Platform as a service(PaaS)

Zeesta PaaS or platform as a service model provides you computing platforms which typically includes operating system, programming language execution environment, database, web server. technically It is a layer on top of IaaS as the second thing you demand after Infrastructure is platform.

More elaborately, This is like ordering in a fast food joint like chipotle. You have your choice of toppings, but there only a few bases for the toppings – a bowl, or burrito, or taco, etc.ie, The computers that you get in an PaaS offering, have a fixed OS and software stack. You can run your software on top of this. Example, you can deploy any code on top of the Google app engine.

Software as a services(SaaS)

In Zeesta SaaS you are provided access to application services installed at a server. You don’t have to worry about installation, maintenance or coding of that software. You can access and operate the software with just your browser. You don’t have to download or install any kind of setup or OS, the software is just available for you to access and operate. The software maintenance or setup or help will be provided by SaaS provider company and you will only have to pay for your usage

More elaborately – This is like borrowing a reference book from a library. You go, read the book, return it and come back. ie, you use the software available online, and that’s it.

With IaaS, it’s like leasing a car. Keeping the car repaired is someone else’s problem, you just need to supply it with fuel (setting it up, maintaining software, etc.) and you get to go pretty much wherever you want to. PaaS is like getting a cab. You get in and choose where you want to go to and how to get there. Keeping the car running and figuring out the details is up to the driver. SaaS is like a public transport. Cheap, someone else takes care of pretty much everything, you just get to use it. This comes at the price of not always getting as close as you want (less customizability)

IaaS, PaaS & SaaS with car example

With IaaS, it’s like leasing a car. Keeping the car repaired is someone else’s problem, you just need to supply it with fuel (setting it up, maintaining software, etc.) and you get to go pretty much wherever you want to.

wherever you want to. PaaS is like getting a cab. You get in and choose where you want to go to and how to get there. Keeping the car running and figuring out the details is up to the driver

SaaS is like a public transport. Cheap, someone else takes care of pretty much everything, you just get to use it. This comes at the price of not always getting as close as you want (less customizability)

Difference between IaaS PaaS & SaaS

Basic difference between IaaS, PaaS & SaaS

Features Iaas PaaS SaaS
What you get You get the infrastructure & pay accordingly .Freedom to use or install any OS, software or composition Here you get what you demand. Software, hardware, OS, web environment. You get the platform to use & pay accordingly Here you don’t have to worry about anything. A pre-installed, pre-configured package as per your requirement is given and you only need to pay accordingly.
Importance The basic layer of Computing Top of IaaS It is like a Complete package of services
Technical Difficulties Technical knowledge required You get the Basic setup but still the knowledge of subject is required. No need to worry about technicalities. The SaaS provider company handles everything.
Deals with Virtual Machines, Storage (Hard Disks), Servers, Network, Load Balancers etc Runtimes (like java runtimes), Databases (like mySql, Oracle), Web Servers (tomcat etc) Applications like email (Gmail, Yahoo mail etc), Social Networking sites (Facebook etc)
Popularity Graph Popular among highly skilled developers, researchers who require custom configuration as per their requirement or field of research. Most popular among developers as they can focus on the development of their apps or scripts. They don’t have to worry about traffic load or server management etc. Most popular among normal consumers or companies which reply on software such as email, file sharing, social networking as they don’t have to worry about the technicalities.

Technology services

Zeesta Technology services are professional services designed to facilitate the use of technology by enterprises and end users. Technology services provide specialized technology-oriented solutions by combining the processes and functions of software, hardware, networks, telecommunications and electronics.

Technology services are also known as information technology services (ITS).

Zeesta, technology services are delivered according to business or enterprise requirements. Services range from basic Internet connectivity to enterprise application (EA) software. Technology service providers include Internet service providers (ISP), application service providers (ASP), cloud providers and developers.

Technology services include:

• Software development, integration and maintenance

• Hardware

• Networking integration, management and maintenance

• Information security (IS)

• IT management consultants

• IT management consultants

• Mobile services

• Web applications

Infrastructure Services

Enterprise Computing & Cloud Services Cloud computing is internet-based computing in which large groups of remote servers are networked to allow the centralized data storage, and online access to computer services or resources. Clouds can be classified as public, private or hybrid
Infrastructure Security Infrastructure security is the security provided to protect infrastructure, especially critical infrastructure, such as airports, highways [1] rail transport, hospitals, bridges, transport hubs, network communications, media, the electricity grid, dams, power plants, seaports, oil refineries, and water systems. Infrastructure security seeks to limit vulnerability of these structures and systems to sabotage, terrorism, and contamination
IT Management Consulting Management consulting, the practice of helping organizations to improve their performance, operates primarily through the analysis of existing organizational problems and the development of plans for improvement. Organizations may draw upon the services of management consultants for a number of reasons, including gaining external (and presumably objective) advice and access to the consultants' specialized expertise.
Network & Convergence Network convergence refers to the provision of telephone, video and data communication services within a single network. In other words, one pipe is used to deliver all forms of communication services. The process of Network Convergence is primarily driven by development of technology and demand. One main goal of such integration is to deliver better services and lower prices to consumers. Users are able to access a wider range of services, choose among more service providers. On the other hand, convergence allows service providers to adopt new business models, offer innovative services, and enter new markets.
Remote Infrastructure Management Remote infrastructure management (RIM) refers to remotely managing information technology (IT) infrastructure such as workstations (desktops, laptops, notebooks, etc.), servers, network devices, storage devices, IT security devices, etc. of a company.
Major sub-services included in RIM are: • Service desk / Help desk
• Proactive monitoring of server and network devices
• Workstation Management
• Server Management
• Storage management
• Application support
• IT security Management
Remote Infrastructure Management Services Remote Infrastructure Management (RIM) has achieved tremendous popularity amongst the businesses as it offers valuable benefits such as cost advantage, helping internal IT teams to concentrate on strategic goals and off load the day to day IT operations management and increased focus on innovation.

Software & Application


SaaS stands for "Software as a Service." The idea behind SaaS is that you don't purchase servers and application software and run them in-house. Instead, you contract with a company with its own server farm, support staff, and software. Your users then access those applications across the Internet.

SaaS Platform

Zeesta SaaS platform offerings are mentioned below:

• Core Banking Solution

• Forex Solution

• Online Shopping

• Online News aggregator

Zeesta University

• The Zeesta University is the leading expert in flexible higher education underpinned by our worldleading research.

• Whether you’re looking to develop new or current employees, we offer a range of degree and higher apprenticeships that are designed for business needs.

• High quality work-based learning, delivered at scale and flexibly to suit your organisation’s needs.

• Our training solutions include apprenticeships, short courses, certificates, diplomas and other qualifications.

• Building quality higher education capacity and capability worldwide.

About Us

People with Core experience in developing,implementing and maintaining in the world of Digital Intelligence or artificial intelligence and how you combine those to become a collobartion in a business.

Currently serving the banks to go digital with an innovative, AI implemented Core Banking Solution.

Offers analytics services on news aggregation, cummulation and deliver.

Entertainment technology for entire casino management, slot machines, supply of casino digital games.

Internet Television a sophisticated and forward looking platform that can be embedded with Set top box as a satellite transmission.

Biometric recognition with a start of art monitoring station combined with the experience of the staff will help to increase the premises security at an affordable cost.

Zeesta university offers a wide range of courses that is exactly required for today's market demand in the field of Information Communication Technology. We continue to stay with the up to date information and deisign our course for the market need.

Hemanth Raj, Founder

Craig Ferrell, Director - Sales

Thayalan Varatharajoo - Global Support Head

Mavalavvan Muturamalingam - Director Operations