Ocean Software Technologies

APP for Customer

Customer App in Android & iPhone

"I-Bank 4.0" Come with Customer Mobile App for daily use
Most Reliable

I-Bank 4.0 CBS SaaS provider with 98% uptime.

24*7 Support*

From friendly OceanSoftTech specialists.

Latest Techonology

Ionic, Capacitor, Json, Javascript, HTML & Android

Security & Authentication

Static IP & Two-Step Authentication

Android

Ionic hybrid android App used In I-Bank 4.0 for Customer

Customer App

Self Registration process for Customer App. (Token Based)
Unique UUID for each Customer App.
Customer can check All account details.
Customer can check Balance of all accounts.
Secure, simple and convenient authentication!

After Covid-19 Your Bank at Your Fingertips

A customer mobile app for a credit society provides members digital access to their accounts for balances, transactions, loan details, and statements, often including features like bill payments, recharges, money transfers (NEFT/IMPS/UPI), and secure login via mobile number/MPIN, offering convenience and self-service for managing finances with the society on the go. These apps streamline tasks like viewing profits, applying for loans, and checking deposit maturity, enhancing member engagement and transparency.

Successfully implemented customer App in Android & iPhone

With new Ionic Technology Ocean Software Technologies develop new hybrid app that work on both Android & iPhone platform.
To provide society members with 24×7 self-service access to their accounts, transactions, and society services in a secure and user-friendly way. Key Features of Credit Society Mobile Apps: Account Management, Financial Transactions, Loan Services, Notifications, Security, Convenience, Transparency and Efficiency.
Experience the convenience of managing your finances anytime, anywhere with our secure and user-friendly mobile banking app. Transfer funds, pay bills, check account balances, and access a range of banking services right from your phone. Our mobile banking is designed for fast, secure, and seamless transactions, ensuring you stay in control of your money wherever you go.

1. Objective & Scope

  • Secure login for each agent
  • Role-based access control
  • View account, loan, deposit, and pigmy details
  • Download statements and certificates
  • Reduce branch visits and manual workload
  • Improve transparency and member satisfaction
  • Enhance customer service and support
  • Mobile payments and bill payments

2. Registration & Authentication

  • New Member Registration
  • Mobile number verification via OTP
  • Member number + Date of Birth validation + Customer Unique ID
  • Secure login with MPIN
  • Device binding (one mobile per member)
  • Multi-factor authentication (MFA) for added security

3. Login Methods

  • Mobile No + MPIN
  • OTP login (fallback)

4. Account Management

  • Savings / Thrift Account
  • Current balance
  • Available balance
  • Last transaction date
  • Transaction history
  • Account statements
  • Deposit Management
  • Payment history
  • Fixed Deposit (FD)
  • FD number
  • FD Deposit amount
  • FD Interest rate
  • FD Maturity date
  • FD Maturity value
  • Recurring Deposit (RD)
  • RD number
  • RD Deposit amount
  • RD Interest rate
  • RD Maturity date
  • RD Maturity value
  • Loan Management
  • Loan type (Personal, Gold, Vehicle, etc.)
  • Loan Sanction amount
  • Loan Interest rate
  • Loan term (months)
  • Loan EMI amount
  • Loan Outstanding balance
  • Loan Payment history

5. Notifications & Alerts

  • Push Notifications
  • EMI due reminder
  • Loan payment reminder
  • Pigmy collection reminder
  • FD maturity alert
  • Society announcements
  • Member updates
  • Loan sanction notice
App's

Different Apps used in I-Bank 4.0 for time efficient banking

Agent App

Agent Multi GL collection App is useful for RD / Daily collection, App is directly connected to bank server.
All transactions are done in Real-Time.
1) RD/Daily Collection
2) Check all account status
3) Balances of customs**
4) Agent Chart report**
5) Agent liability report**
*Report generated in Real-Time
** Optional in Agent App

Branch Manager App

Branch Manager of Nidhi / Society / NBFC can check online status of there branch. Reports like below use in field.
1) CashBook
2) DayBook
3) Profit-Loss
4) Receipt-Payment
5) Voucher-Transfer by user
Using this App Manager also check
6) Clients A/C Balance
7) Account Statement

Bank Manager App

Bank Manager of Nidhi / Society / NBFC can check online status of there all branchs. Report are show on single branch & Consolidated.
1) CashBook (All Branches)
2) DayBook (All Branches)
3) Profit-Loss (All Branches)
4) Receipt-Payment
5) Voucher-Transfer by user
Using this App Manager also check
6) Clients A/C Balance
7) Account Statement

Bank Customer App

Customer is in center of our finance business, we provide very basic to all advance activity to all your financial institutions customers.
1) Balance Checking
(Saving - FD - RD - Loan Acc.)
2) New Loan Enquiry
3) Check New Updates
Other Bank RTGS/NEFT
5) QR Code
6) UPI ID
7) Bank Transfer
8) Investment (MF, Gold, ETC.)

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