Introducing CorkVSoft- Fintech. We are a joint venture between Cork Information Technology Bahrain and VSoft Corporation USA Have a glimpse at our overview page to know about us or follow our linkedin / webpage to know about our offerings

1. CORPORATE OVERVIEW
MIDDLE EAST  AFRICA

2. CORK VSOFT FINTECH OVERVIEW
Cork VSoft Fintech WLL, Bahrain is a joint venture between Cork Information Technology, Bahrain, specialised in
Software Solutions & Consulting Services and VSoft Technologies Pvt. Ltd., India, global provider of Financial
Technology solutions.
This joint venture is aimed at fulfilling the demands of the BFSI clients in the Middle East and African regions and also
considers the growing demand for Fintech solutions. We are also Founding Partner member of Bahrain FinTech Bay
(BFB), the largest dedicated FinTech hub in the Middle East.
Cork & VSoft Fintech will also represent solutions of eMudhra Ltd., India (www.emudhra.com) market leaders in digital
signature issuance, authentication and Outsystems (www.outsystems.com) which is rapid low code application
development platform.
VSOFT FACTS
In the 20 years of its existence VSoft has built a reputation in the Financial Services segment for providing innovative
payments and core banking solutions. With a global footprint and sustainable business processes, the organisation takes a
progressive approach in the development of all its products and services.
STRENGTHS
VSoft’s “partnership” approach in all its product deliveries ensures a greater confluence in style and thought process with
its customers, enabling VSoft to build a long-term relationship with them. With a number of new product launches and a
growing customer base VSoft is poised to make the transition to the next league of service provides.
Our digital banking platform streamlines mobile banking, online banking, and mobile deposit, in a single comprehensive
solution and our payments product portfolio enables the bank to process payments through consumer driven digital channels
as well as bank’s centralized processing centres. All solution aligns to the statutory requirements and provides a secure
environment to process customer transactions.

3. CORK VSOFT’S OFFERINGS
Payment Products
Cork VSoft’s payments product portfolio enables the bank to process payments through consumer driven digital channels
as well as bank’s centralized processing centers. All solutions align to the statutory requirements and provide a secure
environment to process customer transactions.
• Back Office Solutions
The Onview CTS solution and the Onview MMS-ACH solution allow banks to clear cheque based and mandate
based transactions through the central clearing house. These products enable scanning and digitization of
the physical cheques & mandates and the lodgment of the same as per the processes defined by the Central
Bank.
• Consumer Solutions
Cork VSoft’s Consumer Solutions Portfolio is aimed at empowering banks to transition to the next level of digital
payments and provide enhanced service levels to the consumers. These solutions are built on the latest
technologies and provide on-the-go banking services to the consumers.
Core Banking Products
Aligned to the co-operative and community banks and credit unions in India and the US, Wings and coresoft solutions
enable banks to provide seamless banking services to customers irrespective of the branch or location. Agri-Loans system
handles loan management of short/ medium/ long term loans enabling banks to process loan applications as well as
manage the loan lifecycle for a comprehensive set of agri loan products.
ABBREVIATIONS DESCRIPTION
RDC Remote Deposit Capture (Capture of cheque image through mobile remotely for
participating in the image-based clearing or Cheque Truncation System)
CTS Cheque Truncation System (Image based clearing)
BBPS Electronic Bill Payment System
MMS Mandate Management System (Repeat EFT for payments, either pull or push). While MMS
is a onetime registration of the EFT transaction, ACH is the transaction basis the MMS
details as to the date
PACS Primary Agriculture Credit Society
CORE SOFT

4. JEB PAYMENTS APPLICATION
Jeb Payments Application is an innovative payment application in integration to Unified Payment Interface (UPI). Jeb
Payment Application let’s one transact money at every possible consumer touch point. In the case amount payments i.e.
in PAY transactions the transfer of money is from one’s Bank Account to that of another’s. Jeb payment application also
lets one to receive funds i.e. COLLECT funds from the payee by sending a notification for approval.
The payment is instant, the experience for initiating transaction is easy and lag free while payments are through Banking
Network. Hence, ensuring security and accountability. One can add multiple bank accounts within the application while
payee or payee can be identified using a number of options.
Here the account gets debited real time and hence bank don’t loose float funds as opposed to the other pre-funded
products.
FEATURES
Identification
• Virtual Address
• National ID
• Mobile Number
• QR Code Scan
Ease of Use
• Contacts Lookup
• Voice Commands and Response
• Multi-lingual
• Transactions History
• Easy Transfers from Contacts & Calendar
• Bluetooth based Payments
Security
• Multi Factor Authentication
• User Lockout
• Timer based Session time out
• Mobile Pin for every Transaction
Jeb Web Interface is accessible by the Retail Bankers and Merchants for administration and management of UPI based
transactions. For the Merchants, the customizable modules enable institutions to engage multiple activities for bill
payments, book keeping and bulk collections etc. While banks can carry functionalities such as onboarding, access controls,
user managements etc. through the Web Interface.
Cork VSoft also provides server support APIs to banks for payment transactions

5. ARYA DIGITAL BANKING PLATFORM
Cork VSoft’s Arya Digital Banking Platform is uniquely positioned to cater to the consumers’ demands by offering access to
a multitude of payment channels and financial services, with consistent and seamless user experience across online and
mobile application channels.
The Arya Digital Banking Platform enables anytime, anywhere banking services for consumers and requires bank users to
manage only a single platform for services delivery across various digital channels. The solution also facilitates real time
integration with bank’s host systems enabling bank users to have a single view of the consumer, thereby ensuring enhanced
service levels to consumers.
SINGLE PLATFORM THAT CONSOLIDATES MULTIPLE CHANNELS
ONLINE BANKING | MOBILE BANKING | PAYMENT CHANNELS
KEY VALUE PROPOSITIONS TO THE BANK
Better Channel Management
Reliance on number of vendors for managing various channels is reduced.
Technology
Built on Open Source and Latest Web Technologies that enables seamless integration with multiple host systems.
Marketing and Branding
Enables data capture and analytics of customer information. Branding, loyalty, targeted marketing opportunities can
be designed along with tapping cross selling opportunities.
Unified Payments Channels
1. Enables integration to various channels i.e IMPS (Immediate mobile payment system),EFT,RTGS and UPI for fund
transfers.
2. Improves the channel service mix for the consumer.
Other Services
Integration with third party service providers to enable services like tax management, personal finance
management solutions.

6. ARYA DIGITAL BANKING FEATURES
CONSUMER FEATURES BANK FEATURES
ACCOUNT INFORMATION
REMOTE CHEQUE
DEPOSIT (RDC)
ADMINISTRATION
FUNDS TRANSFER A MULTIPLE CHANNELS -
ONE PLATFORM
SOCIAL MEDIA BANKING MULTIPLE HOST SYSTEMS IN-
TEGRATION
ONLINE ACCOUNT OPENING
CONVENIENCE OF NEWER
CHANNELS
INSTITUTION POLICIES
BRANDING
CUSTOMER SERVICES CONSUMER BEHAVIOUR
ANALYSIS
OTHER FINANCIAL
SOLUTIONS
REPORTS
MULTI-LINGUAL FACILITY MARKETING & BRANDING

7. OnView Cheque Imaging and Truncation (CTS)
Cork VSoft is one of the largest outsourced cheque truncation services provider, with a client portfolio inclusive of major
Public Sector Financial Institutions, Commercial and Cooperative Banks, In India, Large banks, Community banks, Credit
Corporates and Credit Unions in the US, large financial institutions and banks in Latin America and the Caribbean.
Fully compliant with Central Bank’s cheque truncation guidelines.
PLATFORM CAPABILITIES
Intelligent Repairing of Images
An automated system that enables repairing of items during the capture process using advanced character
recognition technology.
Accurate Recognition of Cheque data
An automated system that recognizes, interprets and analyses the cheque data that may be hand-written or in a
printed format.
Backup and Archiving of Data and Images
Processed cheque images and data can be backed up before the end-of-day process. System transfers the current
business day’s data to the archive database and thus removes the old data from the system. Upload images.
High Speed Amount Entry
The application provides an interface that displays a set of two images in a sequential order which enables the user to
enter amount by viewing the corresponding item image.
Efficient Image Repair
Automated highlighting of failed MICR fields ensures quicker reject repair procedure. The solution also displays a
reason why the item was rejected. The intuitive image manipulation tools improve accuracy and efficiency.
Foolproof Item Verification
The solution has sufficient check points for the item verification process to improve reliability.
Fraud-In-Cheque
This application automates the cheque verification process by reading the face of the cheque and digitally
capturing all payment information. It then compares the captured information with critical files that is identified.
OnView Functional Components
Outward Clearing Module Inward Clearing Module
Outwards Returns Module Inward Returns Module
User and Roles Management System Local and Archive Search Module
Reports Module Audit logging Module
Automatic File Transfer System Scanning Module
Digital Dashboard for Centralized Monitoring Virtual sorter for processing Inward ECL’s

8. WINGS and CORE SOFT -CORE BANKING SOLUTION
Cork VSoft’s Wings a n d C o r e s o f t are a comprehensive core banking solution for co-operative banks, Community
Banks, Credit Corporates and Credit Unions in US built on advanced web technologies. Its platform independent and
open-system architecture gives a bank the freedom to choose the hardware and software infrastructure of choice. They
are user-friendly, flexible and self-supporting application that permits easy performance and improves overall
management efficiency.
Single view of all customer Relationships:
Wings CBS object-oriented design provides a single view of relationships between customers and the financial institution.
Simple user interface:
Allows users to easily navigate through intuitive hyper linking and gain access to complete details of customers
and accounts with minimum number of clicks.
Supports multiple delivery channels:
The solution enables bank to widen its reach with support for multiple delivery channels such as internet banking,
tele- banking, mobile banking, SMS, and ATM.
Integration:
Wings CBS design is based on open system architecture and can seamlessly integrate with multiple payment
channels and other third-party systems.
Highly secure:
Role-based access control system ensures that only authorized users have access to specific modules. Solution
also maintains an audit trails of the actions undertaken on the system.
Lower Total Cost of Ownership:
Wings CBS has been designed for a low TCO using the Linux platform and is architected to work with multiple
databases which leads to substantial cost saving on the ownership and subsequent maintenance. It Supports Multiple
Database PostgreSQL and Oracle.
HO Module
Sundry
Demand
Drafts
& Pay
Orders
MIS
Standing
Instructions

9. ONVIEW REMOTE DEPOSIT CAPTURE
VSoft’s OnView Remote Deposit Capture solutions extend the convenience and cost savings of cheque deposit capture
right into the palms of customers. Remote Deposit Capture solution addresses the capture, validation, processing, and
transmission of check images from all points of presentment.
ONVIEW RDC
RDC - RETAIL
CONSUMERS
RDC - CORPORATES/
MERCHANTS
RDC - CMS
(AGENTS)
Bank’s Retail customers
will use the same to
deposit cheques
Merchants collect
cheques from their
consumers and deposit
Agents collect the physical
cheques from various
merchants and deposit the
same
Branches having low
cheque volumes can utilize
mobile based cheque
imaging
FEATURES OF RDC RETAIL CONSUMER
CAPTURE
• Enables item deposit anytime from anywhere with ease
• Multiple bank accounts can be mapped for cheque deposit
• Rule based approach, daily deposit limits and duplicate
detection
• Integration with Bank’s Mobile banking for enabling single
sign on
• Simple cheque deposit workflows with cues to guide
consumers
• User management and Support
• Instant cheque validation and feedback
BENEFITS TO BANK
• Ensures lower “per transaction” time and cost
• Less foot traffic in branch
• Teller can focus on other revenue driving activities
• Capitalizes on widely used devices
• Attracts a diverse range of customers
• Improved service levels of customers
• Comprehensive validation features using rules
established by the bank
• Real time duplicate detection & IQA validation
reduces mistakes
• Integration with bank’s front-end applications
enabled for SSO
The User can capture the cheque meant to be deposited using RDC application installed in a smartphone. The user’s bank
while on one hand reviews the cheque deposited for acceptance or rejection while on the other hand performs activates
such as duplicate detection and send the output file to Bank’s CTS and CBS respectively.
USER EXPERIENCE
LAUNCH ACCO UNT AMOUNT SCAN SUBM
DONE
Depositor Launch Select Deposit Key Cheque Capture Confirm & Receive
Capture App Account Amount Front & Back Submit Confirmation #
RDC-BANKERS

10. ROOTS AGRICULTURE LOAN SYSTEM
Cork VSoft’s Roots Agriculture Loan System is a technology-based solution for the commercial and cooperative banks in
their outreach to the rural hinterlands through a two-dimensional multi layered software solution. It handles the entire
lifecycle of all types of agriculture loans at the end of the delivery channel be it a primary credit cooperative, savings
and loan union, farmers association/group or a business correspondent etc. at one end and the bank at the other.
The loan origination, sanction and disbursal can be configured to a scrutiny and recommendatory process at different levels
i.e district, provisional, national level, unions or authority.
It offers a transparent delivery mechanism by linking the various lines of credit i.e crop loans (cash or kind), agriculture
term loans, agriculture allied loans under a single loan account linked to a savings account of the farmer thus allowing
operations through debit card issued. The user interface offers a single view of all lines of credit of the farmer along with
all other details such as approaching dues etc.
The solution is a highly parameterized one handling multiple crops with varied scales of finance, variable proportion of
linkages for an off take of different inputs from designated dealers, varied seasons, loan periods, due dates, interest
rates, penalties for default, multiple drawls and repayments facility; parameters for agri term loans include multiple
disbursements, moratorium options in the type of payment of principle/interest, installments and installment frequency
etc. The solution is of a type of core banking, catering to multiple front ending institutions as well as the supporting
financing banks.
It encompasses the entire gamut of operations, accounting and MIS both for the banks and the front ending institutions /
agency. It handles the interest margins /charges commission to be passed on to the field level institutions either as
affiliates or agents.
It is a unique solution suited for the emerging economies in handling the outreach to farmers in the rural hinterlands.
HIGHLIGHTS
It can process all agriculture loans End-to-End
Roots not only captures all the nuances of agriculture loan processing as practiced by the Banks but also automates many
paper based processes right from the grass root levels. The solution encompasses the entire cycle of agriculture loan
processing including credit limit application, withdrawals and repayments capturing various global, district and sub-
district parameters for members, schemes, seasons, crops, crop insurance, scales of finance, unit cost for agricultural
investment purposes in terms of loans, due dates, interest rates etc
It’s a High-Performance system with Low Capital and Running Cost
Although, primary agricultural outreach agencies are large in number, they are relatively small in size and operation.
Cork VSoft’s Roots solution is architected for high stability, availability and scalability as well as low capital and running
expenses.
Compliance to extant banking regulations
Roots offers a compliant handshake between banking technology network and the grassroots agencies. With Cork VSoft’s
solution, long established banking regulations are compiled and with importantly the time honored pre-eminence of
grassroots level agencies as service providers to millions of small and marginal farmers are rejuvenated by its adoption.

11. It offers a multi-layered and multi-participant Environment
The crop loans domain is multi-layered and multi-participant. The crop loans can be originated, approved and maintained
using intricately formulated rules and guidelines that encompass multiple schemes under multiple lines of credit having
multiple durations and satisfying varied sets of norms, convergent in a single loan account. Hence, the solution encapsulates
all the subtle nuances of the crop loan operations in their entirety keeping intact any extant business processes and
regulatory requirements.
Shared cloud hosting makes it highly affordable
Roots is a multi-institution, multi-tenant solution available both as a cloud-based solution as well as a licensed solution.
The solution is architected based on popular industry standard protocols thus enabling it to run in any operating
environment providing the freedom of choice as per existing or desired infrastructure. It is built on open source platforms,
reducing the cost of ownership. Additionally, its real-time transactional capabilities and ease-of-use offer invaluable returns
on investment.