Home/Technology & Cybersecurity Architecture

Financial Technology Infrastructure & Cyber Resilience

Core payment engines, 24/7 Security Operations Center (SOC), Regulatory Sandbox, and institutional cybersecurity frameworks.

Core Banking Solution: Centralized Real-Time Ledger

High-Availability Sovereign Settlement & Interbank Clearing Infrastructure

The centralized core banking platform powers sovereign transactions, treasury auctions, state government accounts, and RTGS/NEFT payment settlement. Architected with high concurrency, zero-data-loss synchronous replication, and automated disaster recovery protocols.

Availability99.99%24/7/365 Uptime

Settlement Delay< 150msSub-second Speed

Peak Volume50,000 TPSElastic Scale

Data RetentionAir-GappedTriple Redundant

Institutional Cyber Security & SOC Directives

Prudential Guidelines on Threat Monitoring, SOC Operations & Incident Response

24/7 Security Operations Center (SOC):

Banks must maintain a continuous Security Operations Center to identify behavioral anomalies, unauthorized intrusion attempts, and zero-day vulnerabilities across core systems.

Cyber Crisis Management Plan (CCMP):

Regulated entities are mandated to formulate a Board-approved CCMP addressing detection, containment, business continuity, and root cause analysis.

Mandatory Incident Reporting within 6 Hours:

All cybersecurity incidents involving unauthorized access, malware propagation, ransomware, or customer data leaks must be reported to CSITE/CERT-Fin within 6 hours.

Regulatory Sandbox: Safe Innovation Testing Ground

Thematic Cohorts for Financial Inclusion, Cross-Border Payments & AI Fraud Prevention

The Regulatory Sandbox allows live testing of novel financial products or services in a controlled environment with specific relaxations on regulatory requirements.

Cohort 1: Retail PaymentsOffline digital payments and contact-free soundwave authentication.

Cohort 2: Cross-BorderReal-time bilateral remittance rails with lower transaction spreads.

Cohort 3: MSME LendingCash-flow based algorithm underwriting for collateral-free advances.

Security Standards In Force

AES-256 GCMData-at-rest encryption across distributed databases.

TLS 1.3 StrictIn-transit cryptographic transport protocols.

Multi-Factor Auth (AFA)Mandatory Additional Factor of Authentication on all digital transactions.

ISO 27001 & SOC 2 Type IICertified information security governance.

Cyber Hygiene Advisory

Never click on unverified links claiming to update your KYC, unblock bank accounts, or award lottery prizes. The Bank never sends SMS or WhatsApp messages requesting personal OTPs or credentials.

Report Cyber Fraud Incident →