The A & N State Cooperative Bank Ltd has implemented ‘Core Banking Solution’(CBS) in all its branches with a centralized data centre at Pune with the support of Wipro Ltd, The ‘CBS’ upon customization, would work on a virtual single database, with the capability of system administration, in respect of user administration, product creation and the like, provided to the operations of the A & N State Cooperative Bank Ltd. It is envisaged to parameterize the different products specific. As on date, all the 41 Branches of the Bank are computerized and migrated to Core Banking Solution and working online. Bank has taken up new technological initiatives by entering into the centralized payments system offering RTGS/NEFT services to the customers from October 2014 onwards. Further Direct Benefit Transfer (DBTL), and Aadhar Based Payment Bridge System (ABPBs) are also implemented for providing immediate release of subsidies to the clients of Banks.