With the mergers and acquisitions going to be the fashion of the years to come, CBS application software is getting ready to take care of real time banking transactions which are of multi-bank, multi-currency, multicountry and multi-lingual characteristics.
Instead of the present user /card based password authentication, biometric authentication is going to be in vogue. Thus the day is not far away, when one of you just stand in front of an ATM here in India, the biometric camera attached to the ATM recognises your retina, the ATM screen salutes you with the menu options, you select the option “funds transfer”, then enter the 22 digit (let us add 3 digits each for the country code and bank code!) bank account number of your younger sister studying in US and then followed by the transaction amount.
The ATM now asks for your confirmation, commits the transaction and generates a receipt for you, where the transaction will show the time stamp as “Sunday, 09.30 Hrs, 10th July 2010”, where as, the credit to your sister’s account will bear a time stamp as “Saturday, 22.30 Hrs, 9th July 2010”.
And this is what we call Core, Online, Realtime, Electronic banking system.
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