Banking Portal: Behind the Scenes


As a bank, you give a number of facilities to your customers via net banking portals. It makes your users’ lives easier because they get remote access to your services; some of which are:

- PIN generation for a debit or credit card.
- Order new cheque books
- Bill payments
- Loan details
- Invest money
- Manage insurance
- Fixed Deposit
- Fund transfer

This prompted me to ask the question of what goes on behind the scenes to give users’ this access and enables them to handle all their banking requirements. Therefore, in this blog, I would like to explore what a banking portal can look like from the inside.

Banks are mainly associated with handling money. But it goes beyond a savings account. They circulate money amongst the people that bank with them. Which means that they have to manage a variety of operations simultaneously.

This is where web portal solutions are useful. Let’s look into what a bank centered web portal can potentially do:

Connected Database:

We can think of the bank as having a giant database of their customers/clients and their individual details, bank balances, their activities like deposits & withdrawals, etc. Apart from this, it also has an overall data about funds that are in circulation, investment schemes, or in securities, the loans they have approved for their customers, etc. All of this data is then shared with the respective shareholders for hassle-free operations through portals.

Privileged Banking:

If a customer maintains a decent amount of funds in their account, they get certain privileges, like a higher credit limit, a relationship manager, priority banking, deduction on certain fees, etc. Customers have a relationship manager who can execute their banking requirements. Now if the RM is not available, another one can access this portal to fulfill the client’s requirements. It will already have all the details of the customer.


Needless to say, an in-house banking portal should be secure. Not every employee needs to have full access to the CRM. Therefore, it can have role-based access modules that they have to work with. This means that the employees who have a basic account will have access to all accounts in that tier, whereas privilege-banking accounts can be accessible by the relationship managers, and so on and so forth.


Loan Approval

There are various types of loans that banks offer. When an individual applies for a loan, banks have to take into account a number of factors before granting them this loan. Banks have to check their overall account maintenance, credit score (if they have one), the type of loan, etc. The loan department of the bank can access all of these details and modify the loan module for the customer. The loan module can have the amount, the period and the calculated interest or monthly payables. From the customer’s side, they can pay directly from their banking app and it will reflect in this module.

Apart from this, there are plenty of advantages of an in-house banking portal. Since a single bank is not limited to a specific location, such a web portal solution can drastically change the way it functions. Customers can go to any branch and the bank will be able to assist them.

This portal can also have a dashboard tailored to each banker’s needs. The general things that it can have are exchange rate for the currency, and precious metals; stock market widget, one-click access to their customers’ accounts, deposit management, etc.

Overall, this portal facilitates the inner workings of a bank while keeping things secure and increasing efficiency.

Even if this portal is just for the bank’s employees, UI and UX elements are important. A clean and functional UI that reflects the main website helps maximize efficiency. A better user experience will help bankers serve their customers better.

Now, we understand that each bank requires a portal tailored to them. Therefore, they can always go for custom portal development. With that, they can decide exactly what modules they require in their workflow and get a solution that works for them. Additionally, a web portal development company, like us, can also add customizations like the logo and theme of the bank, etc.

You can contact us here for an in-house banking portal or any other web portal solutions that you need.

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