Case Study

How UST Modus delivered Finacle core banking and e-banking support for NATSAVE Bank’s digital banking ecosystem

Finacle core banking and e-banking support and customization enabled NATSAVE Bank to strengthen digital banking integrations, support critical government-linked services, and maintain stable core banking operations through targeted customization and operational support.

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OUR CLIENT

A government-owned financial institution expanding digital banking services in Zambia

National Savings & Credit Bank (NATSAVE Bank) is a government-owned non-bank financial institution in Zambia. The bank provides savings, lending, and financial services to individuals and public sector stakeholders while supporting national financial inclusion initiatives. Operating on Finacle Core Banking (10.2.17), the bank supports a growing digital banking ecosystem that includes integrations with government agencies and third-party financial service platforms.

THE CHALLENGE

Supporting critical banking integrations and operational continuity on the Finacle platform

As NATSAVE Bank expanded its role in delivering digital financial services and supporting government payment programs, it needed to process a growing number of external transactions while maintaining reliable core banking operations. Any disruption to payroll processing, public service payments, or financial batch operations could affect customer trust and the bank’s ability to support national financial services.

Integration with government and third-party services: NATSAVE Bank needed to integrate external institutions such as ZAMCOL and the Road Transport & Safety Agency (RTSA), into its banking systems to enable digital transaction processing.
Manual handling risks during government salary processing: During salary uploads for government employees, the bank needed to automatically enforce lien marking on accounts linked to loans, requiring tighter integration between the loan management system and core banking transaction workflows.
Reliability requirements for third-party service collections: The bank processed student fee payments and government service collections through its e-banking application, requiring stable transaction integration with external service platforms.
Operational support for core banking activities: Continuous night-time operational support for End-of-Day (EOD) batch processes and year-end activities were required to maintain uninterrupted banking operations.

These operational requirements could affect transaction processing, external service integrations, and the stability of the bank’s digital banking environment.

THE TRANSFORMATION

Finacle core banking and e-banking support to stabilize operations and enable external integrations

UST Modus provided structured Finacle core banking and e-banking support, system customization, and integration services to help NATSAVE Bank operate and scale its banking environment.

Assessment: Evaluated integration requirements for third-party services and identified customization needs across the bank’s Finacle core banking and digital banking platform.
Core banking customization: Delivered targeted Finacle customizations, ATM and FI integration enhancements, and report development using FINRPT to support government payments, transaction monitoring, and operational visibility.
Transition management: Supported SIT and UAT activities, patch testing, and deployment. Managed post-production enhancements and delivered performance fine-tuning to support operational banking processes.
Risk mitigation: Enabled banking API integration services using Open APIs and custom integrations to connect third-party systems. Provided Finacle L2 support services and ongoing digital banking platform monitoring to maintain reliable transaction processing and stable batch operations.
Automated loan lien enforcement: Implemented automated lien processing during government salary uploads, ensuring loan repayment obligations were consistently enforced during payroll transactions.

THE IMPACT

Strengthening reliable core banking and digital service delivery at scale

Finacle e-banking support and targeted customization enabled NATSAVE Bank to reliably deliver government-linked financial services while maintaining operational stability across core banking systems.

Enabled digital processing of government payments at scale: Supported student fee collections and public service transactions through integrated, always-on banking channels.
Ensured consistent transaction processing across partner ecosystems: Stabilized integrations between e-banking and external systems, reducing disruptions in customer and institutional transactions.
Increased operational control through real-time visibility: Delivered customized reporting that improved monitoring of transaction flows and system performance.
Reduced risk in critical banking operations and closures: Strengthened stability of End-of-Day and year-end processes, minimizing operational disruptions during high-risk periods.

Learn how we enable banks to modernize and support core banking ecosystems while ensuring stable, scalable digital services.