Integration
Phase 2: CBS integration, notification channel setup, and card vendor integration.
CBS Integration
Connect DCMS to the bank's Core Banking System for real-time account operations.
Integration Options
Use the ready connector if the bank runs Finacle, FlexCube, or M2P CBS. Pre-tested and production-proven.
Build using the adapter framework for any other CBS. Provides a standard interface for all required operations.
Use the no-code workflow builder for rapid integration. Configure CBS connections through a visual interface — no development needed.
Required CBS Operations
| Operation | Purpose | Required |
|---|---|---|
| Balance Inquiry | Verify account balance before authorization | Yes |
| Debit Posting | Post transaction debits in real-time | Yes |
| Reversal | Reverse a failed or cancelled transaction | Yes |
| POI Fetch | Fetch Proof of Identity documents from CBS | Yes |
| POA Fetch | Fetch Proof of Address from CBS | Yes |
| Account Holder Info | Fetch customer details for registration | Recommended |
| Account Status Check | Verify account is not frozen/dormant | Recommended |
Integration Modes
| Mode | Description |
|---|---|
| Synchronous (Real-Time) | Every transaction triggers a real-time CBS call — recommended for balance and posting |
| REST API | Standard REST integration — most common |
| Message Queue | Event-driven flows for specific operations |
Notification Setup
Configure how cardholders receive alerts and communications.
Channels
| Channel | Setup Required |
|---|---|
| SMS | SMS gateway credentials |
| SMTP or email service credentials |
Notification Events
| Event | Description |
|---|---|
| Transaction Alert | On every successful/declined transaction |
| Card Activation | When card is activated |
| Card Blocked/Unblocked | Alert on status changes |
| PIN Changed | Confirmation of PIN modification |
| Card Renewal | Proactive notification before expiry |
| OTP Delivery | One-time password for authentication |
| Fraud Alert | Suspicious activity notification |
Each notification can be configured independently — enable/disable per event, select channels, customize templates with bank branding, and set amount thresholds.
Card Vendor Integration
Set up the connection to the physical card manufacturer/vendor.
| Setting | Description |
|---|---|
| Vendor Registration | Onboard card vendor(s) in the system |
| SFTP Setup | Configure credentials for secure file exchange |
| Embossing File Format | DCMS standard PERSO CSV format — vendors must comply with the DCMS specification |
| Delivery Tracking | Integrate courier APIs for tracking (optional) |