Fintech • Banking
Following its beginnings in West Bengal, Bandhan Bank has made a name for itself in providing superior and reliable commercial banking services. With a customer base of over 3 crore customers, and employee headcounts of over 75 thousand, Bandhan continues to grow and scale rapidly.
As this expansion continues, Bandhan approached us seeking a solution to their disjointed internal operations interface. To this end, Zethic developed Sangam, a customized banking operations management system.
Bandhan Bank’s employees used a direct FLEXCUBE core banking solution to fetch banking data. This created two major pain points for their operations.
First, this legacy system was slow, with a UI that lacked usability and consistency. Second, the unrestricted CBS access raised the risks of sensitive data exposure.
Bandhan approached us to develop a front-end platform for their banking operations that would offer a user-friendly graphical interface, while reinforcing security measures.
Banking & Financial Services
Product Development | UI UX Design | Development | Workflow Automation | Secure API Integrations
Enterprise / B2B / Compliance Tech Platform
We envisioned Sangam to be a one-stop solution for Bandhan Bank’s operational needs. Careful discussion helped us narrow down the functionalities that our platform needed to deliver on:
Sangam needed to find workarounds to the unrestricted customer data access of traditional core banking systems. Data security had to be enhanced through access control
The system needed to interact with the operational back-end for performing relevant functions – profile viewing, maintenance, updates, transaction handling, loans and servicing, among others.
Legacy systems were bogging down banking processes with inefficient query systems, slow data fetching, and time-consuming account operations. The solution had to query the CBS and return relevant data, lightning fast.
The most important requirement from the project was designing an easy-to-use, easy-to-understand interface – to replace the cluttered approach of core banking systems.
With these requirements in mind, we evaluated our tech stack for tools that would deliver on Sangam’s promises.
Figma for role-based interfaces
Next.js and React.js for scalable user flows.
Golang for performance and security
PostgreSQL for structured data governance
LDAP authentication and complete audit logging
After collating a list of requirements, and a list of tech tools we could tackle it with, our teams began working on Sangam.
The first challenge we encountered was designing a modern, intuitive interface for a diverse user group (tellers, RMs, managers). Existing CBS screens were cluttered and inconsistent – our teams had to hone in on key design principles to make it happen effectively.
The platform had to handle thousands of concurrent users, scale across different bank branches, while ensuring lightning-fast responses for most actions.
Our team explored and carefully selected security measures made to protect sensitive banking information. Rigorous testing had to be performed to make sure we left no gaps.
We adopted a modular SDLC model, breaking down Sangam into independent, testable components.
Agile sprints ensured that key features were delivered incrementally, with feedback cycles involving Bandhan’s IT and operations teams.
In a few rapid iterations, we were able to deploy Sangam as a banking operations and management platform. With Sangam:
Transactions and service requests could now complete in minutes instead of hours. Sangam could quickly fetch relevant information from the CBS, make changes, and perform all required banking operations in a fraction of the time it took earlier.
We supplemented Sangam with comprehensive, Immutable audit logs for compliance. Role-based access and security features eliminated data exposure risks.
We delivered a unified operations platform with an easy-to-use interface for fast onboarding.
Understanding client requirements is the foundational stone of Zethic’s approach. Through our extensive knowledge of the banking industry, Bandhan’s challenges and requirements, we were able to quickly deploy a solution tailored to Bandhan’s needs.
Sangam is now deployed across Bandhan Bank’s branch network, serving thousands of employees daily. It has become the single interface for customer operations, reducing CBS dependency while improving transparency, security, and user experience.
Contact us today to find out how Zethic can solve your operational management challenges.
