The bank strategy is to move towards developing platform independent business components to interact with the mainframe host and leverage web technology for access and distribution.

Existing Scenario
The system handles the payment processing in the following manner. A scanned payment order is checked and made complete (if not already) with respect to account, product and risk information by a business engine from other systems. A payment order may be sent to another system if there are debit warnings on the customer account. The decision returned by that system decides if the payment will go ahead. After processing the business engine outputs results (payment update information, whom to be credited and debited etc.), which are stored back in the result store on the host. The engine thereafter sends a composite message to the host to initiate activities like payment booking debit /credit slip creation, electronic archive, communication to inter-bank clearing, SWIFT, post.

Going forward the re-engineered application is expected to process 1 million payment orders a working day.