IDBI Bank Ltd. Cheque Truncation System (CTS) solution For IDBI … · 2016-08-29 · 10 50 Section 4 : 3.1 a) The Cheque(s) Truncation solution should be implemented at IDBI Bank

Sl.No. RFP Ref

Page no

RFP Clause

no Existing clause Details Clarification Sought

Bank's Response

1 10 Section 1 : 8.6 The bidder must have successfully implemented CTS Application

Software in minimum two banks in India with at least one of the

Banks handling daily volume of minimum 2 Lakhs (2,00,000) cheque

transactions per day, spread over one or more grids taken together

(Self Declaration giving information regarding (i) Name of Banks,(ii)

Per day processing volumes in each of the banks,(iii) other

applications with which interface has been done; along with

Purchase Order / Agreement Copy to be submitted).

The volume of minimum 2 lakks cheque transactions per day

should be average volume or peak volume ?

Refer to the Corrigendum

2 34 Section 3 : 9.1 9.1. On successful completion of implementation, acceptability test,

receipt of deliverables, go –live, resolution of all issues raised within

3 months of go- live of all the 3 grids, setup of signature and Archival

system and its migration and completion of DR - drill etc, and after

the Purchaser (which shall not be deemed to be an obligation on

the Purchaser) is satisfied with the working of the System, the

Acceptance Certificate in the format given in Section-5, will be

issued to the successful vendor. The date on which such certificate is

signed shall be deemed to be the date of successful commissioning

of the System

The issuance of Acceptance Certificate is open ended and at

the discretion of the Bank. Request the bank to define outer

limit within which the Bank should be bound to issue

Acceptance certificate post Go Live

The Bank will issue the acceptance certificate on acceptance

of entire system.Such certificate will be issued on completion

of all activities as per scope of work and resolution of all

issues within 3 months of Go-Live and fulfill listed

requirements as per the RFP.

3 39 Section 3 : 22.2 22.2. Successful Bidder undertakes to promptly produce all records

and information relating to the Contract/this RFP for the purpose of

inspection and audit of IDBI Bank. Successful Bidder shall provide

access, to officers / employees / representatives / agents or auditors

of the Bank to the premises / places where such records are kept /

maintained. The Bank shall not be duty bound to give any prior

notice to Successful Bidder before carrying out the said inspection

or audit.

Request the Bank to modify provision of not requiring to give

any prior notice. This is to prevent any unauthorized malefide

access to records without due authority from the Bank by any

officer / employee / representative / agents or auditors

claiming to represent the Bank.

The sufficient notice will be given before carrying out Audit.

The authorised person of the Bank will be a part of it.

4 43 Section 3 : 29.1 29.1. In the event of termination of this Contract due to any cause

whatsoever, [whether consequent to the stipulated term of the

Contract or otherwise] the Purchaser shall be entitled to impose any

such obligations and conditions and issue any clarifications as may

be necessary to ensure an efficient transition and effective business

continuity of the project which the Bidder shall be obliged to comply

with and take all available steps to minimize loss resulting from that

termination/breach, and further allow the successor Bidder to take

over the obligations of the erstwhile Bidder in relation to the

execution/continued execution of the scope of this Contract

Request the Bank to exclude applicability of this clause when

the termination of Contract is effected under convenience of

the Bank.

The obligation continue to remain the same irrespective of

the cause and mode of termination.

Banks' Response to prebid queries - For Supply and Implementation of Centralised Image Based

Cheque Truncation System (CTS) solution For IDBI Bank

RFP Ref :- IDBI /PCELL/ RFP/2016-17 /006 dated 08-Aug-2016

IDBI Bank Ltd.

Page 1 of 25

5 44 Section 3 : 29.6 29.6. Termination survives the Contract Request the bank to remove as it is technically and legally not

possible for the termination clause to survive if the Contract is

terminated. Other oligations - fiduciary, privacy, non-disclosure

etc are the kind of secondary obligations that form part of the

contract that can survive the termination.

This is typo error. To be read as " The contract survives the

Termination."

6 47 Section 3 : 41.1 41.1. Purchaser/IDBI shall own and have a right in perpetuity to use

all Intellectual Property Rights which have arisen out of or in

connection with the implementation of the Contract, including all

processes and products which have been developed by the

Bidder/Vendor during the performance of Service(s) and for the

purposes of inter-alia, use or sub-license of Service(s) under the

Contract. The Bidder undertakes to disclose all Intellectual Property

Rights arising out of or in connection with the performance of the

Service(s) to the Purchaser/IDBI and execute all such

agreements/documents and file all relevant applications, effect

transfers and obtain all permits, approvals, consents and no

objections that may be necessary in this regard to effectively

transfer and conserve the Intellectual Property Rights of the

Purchaser/IDBI.

Please clarify if the Bank is looking only for bespoke

development of the CTS application, whose IPR shall be owned

by the Bank / transfered to the Bank. Is not the Bank willing to

accept License to Use an existing, proven Product , as then this

clause cannot be applicable when a Perpetual License to Use is

only being offered.

The Bank is proposing to p+F10rocure/accept non an existing

proven product with non exclusive right to use under license.

Bank will own the IPR for any customisation carried thereon.

7 48 Section 3 : 42.1 42.1. The User Acceptance Tests, which shall involve testing of the

entire set-up including the hardware, and its integration with

application software and within the time limit prescribed by IDBI

Bank with live and test data shall be conducted by Vendor at the

locations prescribed by IDBI Bank. The User Acceptance Test must

be completed to the satisfaction of IDBI, within a time frame

specified by IDBI.

Request the Bank to modify this clause so that it specifies that

the Bank will do the UAT and it is not the bidder's obligation to

do UAT

UAT will be conducted by the Bank as per Scope of Work

mentioned in RFP at locations prescribed by the Bank.

8 48 Section 3 : 42.5 42.5. On successful completion of acceptability test, receipt of

deliverables etc., and after IDBI Bank (which shall not be deemed to

be an obligation on the Purchaser) is satisfied with the working of

the System / CTS, the Acceptance Certificate in the format given in

Annexure, will be issued by IDBI Bank. The date on which such

certificate is signed shall be deemed to be the date of successful

commissioning of the CTS.

The issuance of Acceptance Certificate is open ended and at

the discretion of the Bank. Request the bank to define outer

limit within which the Bank should be bound to issue

Acceptance certificate post Go Live

The Bank will issue the acceptance certificate on acceptance

of entire system. Such certificate will be issued on

completion of all activities as per scope of work and

resolution of all issues within 3 months of Go-Live and fulfill

listed requirements as per the RFP.

9 50 Section 4 : 2.5 2.5. On-site support for one year from the date of Go Live ( support

start date will be based on mutual agreement between the vendor

and the Bank) shall be provided by technical experts conversant

with functionality of proposed CTS solution as envisaged in the RFP.

If Bank requires, the on-site support should extend services like

helpdesk, user management, database management / maintenance,

updating of data, maintaining integrity of data, loading application

upgrades, technical support for ad hoc queries, archival of data etc.

The onsite Resource should be well qualified & competent to handle

the entire project during warranty period.

Request the Bank to please clearly elucidate on the role of the

On-Site support personnel - as the listed expected functions

are both tehcnical support and bank operations. Bank

operations should not be part of the expected roles of such

technical support personnel

Bidder has to ensure that the onsite support resource(s)

should be capable for executing all listed operations

including entire proposed CTS Solution offered by the Bidder

as enumerated in the RFP.

Page 2 of 25

10 50 Section 4 : 3.1 a) The Cheque(s) Truncation solution should be implemented at IDBI

Bank and should be accessed and operated from IDBI Bank's offices

/processing units/ branches / off-site locations / Client Locations.

There are approximately 1851 branches at 1384 Centers (as on July

2016), across the country and employs around 17000 people.

Approximate no. of concurrent employees/users accessing the CTS

system on an average, across India is estimated to be about 2000

nos.

Concurrent user base of 2000 users seems to be very high basis

the no of branches and locations. Should this be interpreted as

named users ?

No change in RFP terms.

11 50 Section 4 : 3.1 b) b) Solution involves Image capturing in hybrid environment i.e.

distributed as well as in central processing environment (at various

Cheque collection points or branches /Central processing /service

branches level / off-site locations / Client Locations), Workflow

based Cheque clearing transaction data processing involving data

entry (i.e. Authorization levels involving Maker Checker concept),

Cheque clearing transactional data transfers and receipts,

Integration with IDBI Bank’s Core Banking solution, Integrating with

RBI / NPCI 's CHI system, Automated Cheque returns processing,

Implementation of Signature verification System and Archival

System, Images and transaction data Storage and Retrieval solution,

Integration with CBS for Clearing Files, Incremental Signature and

Account Master retrieval, On-line fetching of signatures and Account

master from CBS, Integration with various Remote Deposit Kiosks,

handhold devices and various CTS/UV enabled Cheque Scanners

available within the Bank or procured during the currency of the

contract.

Please provide details (Make / Model) of scanners available in

the Bank.

Details of various CTS Cheque Scanners models being used

by the Bank:

1. Neopost LA 400 Series

2. Neopost LSA 200 Series

3. Neopost LSI 100 Series

4. Seac Banche Orion (130 DPM)

5. Panini Vision X (100 DPM)

6. Canon CR 190i UV

7. Any other scanner model, which is not listed or procured

by the Bank during contract period will also have to be

integrated by the Bidder without any additional charges.

12 51 Section 4 : 3.1 e) e) Solution should have capability of handling Virtual Account

Numbers and transactions linked to Virtual Accounts, Credit Card

and Debit Cards as per Bank’s requirements. Solution should also

have provision of Integration, in case existing CBS (Finacle) is

migrated to higher version or new CBS is introduced by the Bank,

without any additional cost during the contract period

(Warranty/AMC).

This clause is asking the vendor to commit to undertake a task

in the future of which the quantum is unknown - at no

additional cost. Such changes can be committed to be

undertaken only under "Change Request" process as per

Section 4 : 4.4 Support - Point d). Request the Bank to modify

this clause

All exisitng integration requirements has to done by the

selected Bidder in the proposed CTS Solution. Further, any

integration requirement on the modules procured during the

contract period (Warranty/AMC) has to be done without any

additional charges.

13 52 Section 4 : 3.2 3.2. The bidders are required to only quote the cost of the

Application Software, Customisation Efforts, Installation Charges

and Third party software licenses. The hardware and third party

software licenses recommendations on which this software would

run are expected to be given by each Bidder. Bank will decide

whether to map the same with the existing hardware and third

party software licenses or if necessary procure the same, if need

arises.

The Bank requires the bidder to quote for Oracle RDBMS

Licenses to be used for CTS as well ?

No, Bank will arrange for the same.

Page 3 of 25

14 53 & 57 Section 4 : 3.3 h) & 4 c) xi. h) Source code for customized application and documentation of

the CTS shall be the property of the IDBI Bank and the same to be

handed over as part of Go Live.

xi. A copy of the source code of the application customised for IDBI

Bank shall be handed over to the Bank. A copy of all subsequent

updates to the source code shall also be handed over to IDBI Bank

after the release/Go Live.

Request Bank to remove this clause as this conflicts with Pg.

88, Functional Requirement, Point 2 - Escrow - marked as Vital

Only customised source code has to be handed over as it is

Bank's Property and can be used for further

development/enhancements. However, ESCROW

arrangement is for keeping the entire source code of

proposed solution under the safe custody of ESCROW

vendor. Hence, no change in the RFP.

15 58 Section 4 : 5 The Bidder/Vendor will provide 1 year warranty from the date of

issuance of Acceptance Certificate. Any defects/ bugs noticed in the

implemented software / Cheque Truncation System / Document

Management System shall be reworked and/or replaced by the

Bidder/Vendor with defect-free components free-of-cost.

Acceptance Certificate will be issued only after resolution of all

issues raised within 3 months post Go Live for all three grids and all

types of sub member banks including all deliverables as demanded

in the RFP

Request the Bank to modify this clause of warranty of 1 year

from date of issuance of Acceptance Certificate to Warranty of

1 year from date of Go Live - as Acceptance Certificate issuance

is open ended and at the discretion of the Bank.

No change in RFP terms

16 69 Section 5 : 5 - Format for

Unconditional Acceptance

of Terms and Conditions

This is to confirm that we unconditionally accept all the terms and

conditions as mentioned in the RFP floated by IDBI Bank Ltd. for the

"Supply and Implementation of Centralised Image Based Cheque

Truncation System (CTS) solution".

Request the Bank to modify this to -

This is to confirm that we accept all the terms and conditions

as mentioned in the RFP floated by IDBI Bank Ltd. for the

"Supply and Implementation of Centralised Image Based

Cheque Truncation System (CTS) solution" or

This is to confirm that we unconditionally accept the RFP

floated by IDBI Bank Ltd. for the "Supply and Implementation

of Centralised Image Based Cheque Truncation System (CTS)

solution"

The word unconditionally stipulates without conditions hence

"unconditionally accept all the terms and conditions" - is self

negating as it is not possible to unconditionally accept

conditions. As a reference, the bank has used the same

sentence in Page 70 - 6 Self Declaration as -

"We have read and understood the aforesaid RFP and we

hereby convey our absolute and unconditional acceptance to

the aforesaid RFP ".

No change in RFP Terms

17 10 Section 1 : 7. Eligibility

Criteria for Bidders - 8.10

The Bidder shall be either ISO 9001-2008 compliant or CMM Level 3

certified company. (Latest audit surveillance report of ISO

certification or CMM certification to be submitted)

ISO 9001-2008 Certification has been upgraded to ISO 9001-

2015. Is ISO 9001-2015 Acceptable?

Bank will accept either of the certificates.

18 19 Section 2 : 8 - Documents

Constituting the bid - 8.1 -

a) - i

Refer Annexure 1 for the Technical Bid contents and formats. Annexure 1 - does not exist in the RFP document. Do we mean

Annexure III for contents of technical Bid. Please confirm.

Yes, Please refere Annexure I for Bidder's Profile and refer

Annexure III for Contents of Technical Bid.

19 20 Section 2 : 8 - Documents

Constituting the bid - 8.1 -

b) - i

Refer Annexure 2 for the Commercial Bid contents and formats. Annexure 2 - does not exist in the rFP document. Do we mean

to refer Page 64, Secition 5, Clause 2 - Commercial Bid Form.

Please confirm

Yes, Please refer Annexure II for Eligibility Criteria and refer

Page No. 64, Section 5, Clause 2 for COMMERCIAL BID FORM.

Page 4 of 25

20 61 Section 4 : 10 - Schedule of

Implementation / Rollout

Clause - 10.1 - Sub Clause 2

System Configuration / Customization / Handover for User

Acceptance Testing (UAT)

30 days from the Completion of Stage-1 or 60 days from the date of

Purchase order, whichever is earlier

Request the Bank to extend time for Customization as the

schedule of Customization without knowing the detailed SRS

of just 30 days is very aggressive and extremely difficult to

committ and in practice achieve.

No Change in RFP terms

21 64 Section 4 : 2 - Commercial

Bid Form

Serial No B - AMC

AMC @_____ % of above Sr. No. 1 (AMC Per year) for four years,

post warranty Support.

Please clarify that the AMC shall be defined as %age of License

and Cummulative Customisation Cost basis the Manday cost

charged for such customization as per CR process as at each

period when AMC is charged i.e. at each Quarter


22 10 Section 1 : 7 - Eligibilty

Criteria for Bidders - clause

8.12

Bidder should have all necessary licenses, permissions, consents,

NOCs, approvals as required under law for carrying out its business

Please provide a list of documents to be furnished against this

eligibility condition.

Self certification to confirm necessary licenses, permissions,

consents, NOCs, approvals as required under law for carrying

out its business and relavent supporting documents may also

provided.

23 88 Section 6 : 1 - Functional

Requirement

General Is it required that the bidder provide comment against

requirements - explaining how the proposed system meets

with the requirement - on the basis of which the Bidder is

providing the response A/C/NC ?



Requirement

Clause 9

The system proposed shall support multiple sessions for the four

legs of clearing process - inward clearing, inward return, outward

clearing and outward return along with extension as well as

Blockage handling. Must be compatible with the RBI / NPCI Clearing

House (CH), Clearing House Interface (CHI) system and the core

banking software of IDBI Bank as well as its Clients (Corporate and

Sub-Member Banks).

Will provision of flexible data import / export / pull APIs be

sufficient to consider compatibility requirement with banking

systems of IDBI Bank and its Clients (Corporate and Sub-

Member Banks) ?

Selected Bidder has to integrate proposed CTS Solution with

Bank's CBS and also proviode multiple formats for generating

clearing files to CBS of all clients (Corporate and Sub-

Member Banks) as per Bank's requirement,


Requirement

Clause 10

The product should be capable of functioning as a stand-alone

solution.

Please explain the requirement of stand-alone solution Proposed CTS Solution should be independent and there

should not be any dependancy on Bank's other systems like

CBS, Signature System etc. End to end clearing and

processing should be handled through proposed CTS

Solution only.


Requirement

Clause 11

System should be compatible to handle all Cheque Scanning devices

available with the major manufacturer, at present and capable to

integrate with all types of Operating Systems. The Bidder has to

integrate all the scanners on all desktop versions available within

the Bank/Branches/Clients. In case, Bank intends to purchase new

Cheque Scanners then, Bidder has to do the integration without any

additional cost during the contract period (Warranty & AMC). Bank

will ensure to provide proper technical clarifications / APIs to the

Bidder for integration.

Please provide details of the Make / Models of scanners

available as on date with the Bank. Additionally, this clause is

asking the vendor to commit to undertake a task in the future

of which the quantum is unknown - at no additional cost. Such

changes can be committed to be undertaken only under

"Change Request" process as per Section 4 : 4.4 Support - Point

d). Request the Bank to modify this clause

Please find details of CTS Cheque Scanners models available

within the Bank, as on date:






6. Canon CR 190i UV


by the Bank during contract period will also be integrated by

the Bidder without any additional charges.

Page 5 of 25


Requirement

Clause 16

Provision for capturing batch wise/ type wise clearing (CTS / Non-

CTS / Special Clearing / MMS) for the following cases:

a. Cheques Only

b. Cheques with Slip (Product Wise)

c. Marking Paper to Follow (P2F) batches at time of scanning itself.

d. Capturing MMS (Mandate Management Scanning) instruments as

per Bank’s requirement.

Is the Bank looking for end-to-end Mandate Processing

capabilities including interfacing to NACH ?

Selected Bidder has to provide mechanism in proposed CTS

Solution to capture images of mandates as per NPCI

requirements regarding Mandate Management Scanning.


Requirement

Clause 17

Facilities of defining touch points to integrate with the solution for

processing Cheque Truncation. The touch points could be Kiosks,

Instrument Drop machines, ATMs having Cheque Truncation

capabilities, Lock Boxes, Remote Deposit Capture (RDC),Handhold

devices (Mobiles/Tablets) etc.

If the CTS application provides push APIs callable by any

external system as long as the API data structures are adhered

to or Pull API based on a common data format - constitute

conformance to this requirement ?

Specific touch points are having their own feature of

generation of data/images and the proposed CTS Solution is

required to be customised in such a way so that it can accept

all data/image files from all available formats/source systems

including push/pull facility.


Requirement

Clause 30

All Clearing reports, Return memo, posting files for Sub-Member

Banks is to be generated from the system along with manual

generation feature and facility for automatically transmission

through Secured channel.

Please clarify what is meant by "manual generation feature" Auto by system and Manual generation by users for specified

facilities should be available in proposed CTS Solution


Requirement

Clause 34

The user interface for branch operations/ Service Branch Operations

/ Corporate Client / Sub-Member Banks should be browser based

only.

Contradicts with requirement of Offline (Page 51, Section 4 : 3 -

Scope of Work, Point 3.1 c). Please explain what is exactly

needed

Online solution needed for all Bank's Branches and Client

locations, who have strong network connectivity to access

online system whereas Offline Solution is needed for those

Bank's/Client's locations, where Network connectivity is not

too stong to transmit the data/images over Network.


Requirement

Clause 37

Should be able to process Instrument(s) of different size and

colours.

This requirement condraticts with the requirement of

conformance to RBI / NPCI Regulations - as different sizes are

not permitted under CTS 2010 Standards (101mm x 39mm).

Please explain requirement

NON-CTS & Mandates instruments, which doesn't follow

NPCI standards as also to capture all other bank's

instruments, which are different in colours.


Requirement

Clause 41

Should be possible to copy the data on CD/Tape/FTP/emails or any

storage media

Please elaborate what data is expected to be made available,

where - for copying to storage media ?

During Network failure cases, Data/images files should be

writable on Media or can be sent through e-mails.


Requirement

Clause 42

System should provide a Document Management facility to store

the Instrument(s) with unique reference numbers for easy retrieval

at later stages.

Please elaborate on what DMS functionality is expected ? Requirement is for Document Management facility through

Archival System, in which capture facility for identification of

the physical instruments required for easy history retrieval.


Requirement

Clause 64

Performance of hardware / software solution proposed should be

optimum with proper performance benchmarks.

Request the Bank to remove performance of hardware as a

requirement.

No change in RFP terms as Selected Bidder has to provide

hardware sizing as per scalability specified by the Bank and

proposed CTS Solution should be optimum with proper

performance benchmarks.


Requirement

Clause 67

The solution should support data mining exercise of the Bank. Please elaborate on what support for data mining is required Bidder has to interface/format in the proposed CTS Solution

with other systems of the Bank, where CTS Data need to be

provided as per Bank's MIS requirements.


Requirement

Clause 68

The system should support flow of data both ways i.e. from

hub/central location to branch and vice-versa. The system should

also prompt data collection/sending at central/sending location.

Please elaborate requirement - "The system should also

prompt data collection / sending at central / sending location" -

is not clear

Two way communication is must which means proposed CTS

Solution should have feature to pick up and transmit clearing

files/reports as per Bank's requirements.

Page 6 of 25


Requirement

Clause 70

System should allow administrators to manage users, groups, roles

and other document management operations.

Please elaborate requirement - "other document management

operations"

Parameter configuration screens should be available in the

proposed CTS Solution. Parameters could be the amount of

cheque, the no. of cheques, batch size, scan timing etc.


Requirement

Clause 74

The proposed CTS Solution should provide interface with other

software as required by the Bank.

Please explain in detail as to what other softwares, what

interface(s) are expected - as this is too open-ended to provide

a response

Bidder has to interface/format in the proposed CTS Solution




Requirement

Clause 75

The software should have single database structure across different

modules of the system.

Request the Bank to remove this requirement - as this is a

restriction on design of the application and does not lend any

functional use to the Bank



Requirement

Clause 85

Should provide online interface to extract data from the Clearing

and truncation system to feed IDBI Bank's other application on need

basis.

Please elaborate requirement - "online interface to extract

data" - what data, where made available, in what form ?

Online Interface to generate CTS Data to feed into other

applications. However, Data format requirements will only

be shared with the successful bidder.


Requirement

Clause 102

The solution should also be compatible and integrate/ handshake/

interface with all third party software / middleware of the Bank

(Like CMS / Debt Payout System etc.)

Please elaborate requirement - "compatible and integrate/

handshake/ interface with all third party software /

middleware of the Bank" - as the requirment is too open-

ended to provide a response

Interface requirements will only be file based / images

sharing with other systems as per Bank's current and future

requirements.


Requirement

Clause 109

System to provide open format with encryption feature for all the

data to be archived / to be made compatible with other sources of

data & images.

Please elaborate requirement as this is too open-ended to

provide a response

Bidder has to provide open format with encryption feature in

proposed CTS Solution, which can be used by the Bank for

future requirements.


Requirement

Clause 115

Should provide Batch interface/Grid wise/location wise to extract

data from the Clearing and truncation system to feed IDBI Bank's

other application on need basis.

Please elaborate requirement as this is too open-ended to

provide a response

Bidder has to interface/format in the proposed CTS Solution




Requirement

Clause 116

System should be able to interface and be compatible with IDBI

bank’s existing Archive system.

Please elaborate requirement as to what is the existing Archive

System, what interface is expected ?

Existing Archival system is provided by existing and earlier

CTS Application vendors and Bank like to integrate all history

data into proposed Archvial Solution being provided by the

bidder.

45 102 Section 6 : 2 - Technical

Requirement

Clause 5

The System should have web-based scanning module for Bank’s

Branches / Service Centers / Corporate Clients / Sub-Member Banks

with proper authentication mechanism through intranet & internet

communications and segregation of Clearing Types (CTS / Non-CTS /

Special Clearing / MMS etc.). Apart from CTS Scanner’s driver

installation, there should not be any additional client based setup

required to activate the scanners.

Is it acceptable if additionally a runtime environment (like JRE)

is also required to be installed locally on the client ?

Yes. Mandatorily pre-requisites for Scanner installation can

be accepted depending upon mutual acceptance between

Bank and the bidder.

Page 7 of 25


Requirement

Clause 6

Capability for segregating Deposit Slips and MICR-Failure

instruments in separate output pockets of Cheque Scanners or

depending on Bank’s requirements. All available scanners within the

Bank are having dual/multi output pockets.

Please provide details of the Make / Models of scanners

available as on date with the Bank.

Details of CTS Cheque Scanners models available within the

Bank, as on date:






6. Canon CR 190i UV





Requirement

Clause 47

Dynamic parameter based screen inquiry to allow the user to input

specific parameter and get the results they need.

Please elaborate on the requirement as to what input, for

what type of data, what results, how results to be shown ?

Dynamic inquiry screen feature is to be provided so that User

can select the data requirement and generate result as per

requirement.


Requirement

Clause 53

The system should have provision for migration of account master /

mandate / Signature from Finacle to proposed solution if required

by IDBI Bank and there should be front end/menu driven facility for

importing incremental data and signatures on daily basis.

Request the Bank to remove the requirement of enabling

uploads of signatures through Front-end (front end image

uploads) - as these bulky uploads will have huge negative

impact on performance. Recommend the Bank to modify this

to a back-end service requirement - that can be invoked from

the front-end - server to server image uploads rather than

front-end image uploads.

Process invoking should be front ending. However, backend

services can be executed to complete the desired task.

Bidder has to ensure that process should be straight and

simple.


Requirement

Clause 54

The solution should have the feature of setting up SSO and other

security measures including access control and authentication.

Please elaborate on SSO requirement - is it requiring AD / LDAP

integration or Single Sign On (inheritence of Authenticated

users from Bank Domain) ?

Proposed solution should have both provision and

depending upon Bank's requirement, the finalised approach

will be shared with successful bidder.


Requirement

Clause 56

The system should be portable with latest version and Processor of

the relevant Operating System.

Please provide details of the processor and OS to which

compatibility is to be offered

Hardware and OS recommendations with latest version are

to be provided by the Bidder only.


Requirement

Clause 61

The software should be accessible from Client PCs with Internet

Explorer version8 and above.

Please provide details of all the browsers and the versions to

which compatibility is required

Internet Explorer version8 and above.


Requirement

Clause 64

Selection of branch for scanning to be done from list of branches

attached to that hub or BCP branch under respective grid location.

Please elaborate on the requirement as to what selection is

required ? Linking of a defined user to "home branch" / SOLID

?

Proposed CTS Solution should allow user to scan instruments

under any of Branch by selecting from drop down list from

tagged region.


Requirement

Clause 70

All the relevant details viz., date of processing, branch chosen, batch

no., scanner id, etc. should appear on screen at the time of

scanning.

Request the Bank to remove the requirement of displaying /

selection of Scanner ID and limiting it to selecting scanner

make / model (due to various scanner makes available with the

Bank)



Requirement

Clause 72

DR site & NDR (if any) setups to be configured in auto-replication

mode for data and images replication with Production site through

the proposed solution. Solution should have capabilities for

immediate switchover from Primary to DR or NDR (if any) or vice-

versa during presentation session itself and without any kind of data

loss.

Should this be interpreted as a requirement of RPO for

DR/NDR to be Zero and RTO for DR/NDR to be sub-second ?

RPO and RTO will be based on Bank's policy and the same

will be conveyed to the selected bidder.

Page 8 of 25


Requirement

Clause 76

Option to segregate cheques for collection in NRE account for

verification.

Please elaborate on requirement. Will the Bank provide

interface / Master to identify accounts of NRE ?

Yes.

Account Master data contains NRE identification.


Requirement

Clause 86

Provision for magnifying the cheque image portion to read micro-

lettering characters and also to Barcodes from the face of the

cheques.

Is the requirement for Barcode reading from Image ? If yes,

please specify the types of barcodes that are required to be

read.

Details will be shared with successful bidder.


Requirement

Clause 90

Provision for revert reject of the instruments as per user’s

requirement.

Please elaborate what is meant by "revert reject of the

instruments"

This feature is for inward clearing.

The proposed solution should have the feature of enabling

the user to again accept any inward instrument which has

been rejected earlier.


Requirement

Clause 94

Solution should be capable of integrating with the Cheque Deposit

Kiosk (CDK) and Remote Deposit Capture (RDC) for automatic pickup

of scanned instruments/batches at regular interval. It should also

maintain unique identification for these remote scanning machines

for proper identification and smooth processing.

Pick up of data and images from such devices from a pre-

defined server location conforming to a pre-defined data

structure and format is acceptable ?

Current Data/image format of such devices will be shared

with successful bidder and Bidder has to interface with

proposed CTS Solution along with automatic pickup facility

from various such devices.


Requirement

Clause 96

Software should support template based scanning to capture

various parts of images to accommodate the various types of

Instrument and deposit slips during capture.

Please elaborate on the requirement of scanning various parts

? Does this refer to display only of snippets ?

Proposed CTS Solution should have feature for template

based scanning i.e. scanning of only relavent portion of

cheques as per Bank's requirement. Template details and

specification will be shared with the successful bidder.


Requirement

Clause 100

The software should have Menu driven facility for Backup and

Restoration by Admin Team/It Team

Backup and restoration shell scripts (with Menus) for Admin /

IT teams to run on servers only is acceptable ?

Proposed CTS Solution should have proper mechanism for

Application Backup and Restoration processes.


Requirement

Clause 105

Image quality should be user definable and Controllable. Please elaborate on the requirement as it is very open-ended

to provide a response

User should able to select the default image to be dislayed

on screen and various feature for Zoom In, Zoom Out, Front,

Back, Grey Scale, UV images should be displayed with proper

control.


Requirement

Clause 108

Provision to integrate all available CTS Cheque Scanners within the

Bank by listing in single dashboard and displaying their

Active/Offline status by connecting through Intranet or Internet

Connectivity provided by the Bank.

Request the Bank to remove this requirement as this is

dependent on the cheque scanners APIs and will have huge

negative impact on performance to query all scanners across

all connected workstations to identify their status.

This is essential requirement for consolidating screen for

Cheque scanners monitoring and Active/Offline feature can

be provided with user demand, which will not impact

performance too.

63 115 Section 6 : 7 - Software

Clause b)

The operating system should have features like multi-tasking,

multi–user support, timesharing, dynamic memory management,

I/O spooling, multi-level security, system logging, error analysis and

recovery. Other features like hardware diagnostic tools, system

performance management and tuning, accounting routines and

system monitoring software must be available.

Please clarify if the Bidder is required to provide OS as part of

System Softwares ?

No.

The bidder will provide recommendation regarding

Hardware, OS and Database.


Clause k)

The CTS shall provide and support for extracting various parts of the

image like CAR, LAR, Date, Payee Name, bank Name, Signature to

facilitate Application Programming Interface to third party Software

to do ICR, OCR and signature verification.

Please elaborate what is meant by "Application Programming

Interface to third party software to do ICR, OCR and signature

verification" ?

Proposed CTS system can be integrated with any third party

ICR, OCR and Automatic Signature Verification System to get

the benfit of those third party softwares.

Page 9 of 25


Clause l)

The Signature Verification application shall provide facilities to

authorized user/authorizer to visually verify the signatures from the

images of the Instrument to the signature database stored in the

data server. It shall also provide facilities for other authentication

steps to be performed along with signature rule matrix, Legal

amount and courtesy amount matches, post-dated Instrument

before the item is accepted for payment or returned.

Please elaborate what is meant by "signature rule matrix" ? Signature Rule Matrix means there should be provision in

proposed Signature System to import Operational

mandates/rules for specific accounts and during verification,

System should display details with inward instruments.

66 120 Section 6 : 9 - Architectural

Details

Clause iii.) - Vital

Application Architecture

Details

Sub Clause - 1

Application System should be modular should support modular

implementation.

Please elaborate if the Bank is looking for modular

implementation ? The Project time frame of implementation

within 90 days does not talk of any such modular

implementation

Bidder has to ensure that proposed CTS Solution should be

modular and support modular implementation.


Details



Details

Sub Clause - 2

The Application should support different messaging protocols, APIs

to support various Delivery Channels such as Internet Banking, etc.

Similarly APIs should be commonly published for facilitating porting

of external applications of IDBI Bank Ltd onto CTS/ system.

Please elaborate on requirement of APIs / messaging protocols

- as this is vague / very open-ended to provide a response

All information exchanged between two systems are carried

out through Standard messaging system and proposed

solution should able to support standard messaging

protocols like ISO etc.


Details



Details

Sub Clause - 3

Give details regarding the flexibility of the architecture in terms of

ease in addition, modification and deletion of modules (including

third party products) / functionality in the future

Request the Bank to remove this clause from this set requiring

the response type - A/C/NC - as this is not answerable as

"Available / Customizable / Not Customizable"



Details



Details

Sub Clause - 4

Please provide a list of known bugs in the System Request the Bank to remove this clause from this set requiring





Details



Details

Sub Clause - 5

Vendor/Bidder should provide extensive documentation related to

the Application S/W such as

- Application Architecture

- Database layouts and architecture.

- User Manuals

- System Reference Manuals

- Error Messages and their Meanings

- Training Manuals

- Additions / changes to the documents after upgrades

- Operations Manuals

- Data Dictionary to be provided.






Details



Details

Sub Clause - 6

Test Plans covering the entire functionality of the Solution will be

provided by the Bank. The Bidder should be able to arrange (The

applications S/W, H/W, personnel and other resources) for testing.

The exercise will not exceed the duration of 4 calendar weeks

(including the Reference Site visits if any).





Page 10 of 25


Details



Details

Sub Clause - 8

The proposed server hardware specification for the software system

to be hosted should justify the sizing and capacitive & processing

power proportional to the volumes.






Details



Details

Sub Clause - 10

The vendor should specify/ recommend/ benchmark and justify the

sizing and performance parameters needed by the system. Ex. Disk

Raid Structure, Disk Sizing, CPU/ Memory usage etc.






Details

Clause iv.) - Desirable


Details

Sub Clause - 4

Should provide details regarding the level of integration of the

various sub-systems, particularly in case of mix and match of

proprietary and third party products.






Details



Details

Sub Clause - 6

Please specify whether the proposed architecture uses any

application middle-ware solutions (for. E.g. When the branches are

working in the off-line mode)






Details



Details

Sub Clause - 7

Give details of any additional Application S/W and third-party tools

that are required for using the system, in addition to the base

Application System provided by the Vendor/Bidder






Details

Clause v.) - Vital Technical

Architecture Details

Sub Clause - 2

Please give details of Standard benchmark done earlier for volume

handled through the proposed solution.






Details



Sub Clause - 3

System should be capable to make copies of the package for

business continuity use, which can be implemented pan India at any

location.





Page 11 of 25


Details



Sub Clause - 4

In case of occurrence of a system failure, specify whether.

- A log and recovery facility is provided to return to the pre-failure

situation

- After a system failure the system is able to restart and rebuild the

database to the pre-failure situation

- The system provides for automatic roll forward and rollback.

- Deadlock situations are resolved automatically.

- Processing can be continued without loss of data after a disaster.

- The system should be made available for further processing within

4 hours of its failure. Explain which measures can be taken to

rebuild the database after a failure.






Details



Sub Clause - 5

Please give details of the System Performance benchmarks on the

various Network configurations such as

- Leased Lines

- ISDN

- VSAT

- Dial-up Modems

Please mention the bandwidth requirement for the client



"Available / Customizable / Not Customizable". Additionally,

the Bank to provide Location-wise volume, processing window,

number of users (named and concurrent), make/model

throughput of scanners planned to be deployed at each

location and the expected throughput - from capture to insert

from each such location to enable us to mention the

bandwidth requirement.



Details



Sub Clause - 6

Give details of the Scalability provisions in the System. Request the Bank to remove this clause from this set requiring





Details

Clause vi.) - Desirable

Technical Architecture

Details

Sub Clause - 1

Please give details of the proven System Response times

benchmarks.





83 123 Section 6 : 10 -

Implementation & Support

Details

Clause i.) - Vital

Implementation Details

Sub Clause - 1

Please give the following details of any proven Implementation Case-

study of the proposed solution

- Strategy adopted

- Milestone definitions

- Time Schedules

- Resources used

- Drawbacks, if any





84 123 Section 6 : 10 -


Details

Clause ii.) - Vital UAT

Details

Sub Clause - 1

Provide three User Acceptance Test (UAT) with specific periodical

interval, Next UAT should address & close all the observations of

previous UAT.





Page 12 of 25

85 123 Section 6 : 10 -


Details

Clause ii.) - Vital UAT

Details

Sub Clause - 2

Provide solution to all the All Bugs / issues / observation of UAT and

remove them before going live.





86 123 Section 6 : 10 -


Details

Clause iii.) - Vital Training

Details

Sub Clause - 1

Provide details of the training programmes to be conducted. Also,

state whether the Bidder will be training the users.





87 124 Section 6 : 10 -


Details

Clause iii.) - Vital Training

Details

Sub Clause - 2

Provide the timetable for the training session with details such as

topics, duration, number of users , etc.





88 124 Section 6 : 10 -


Details

Clause v.) - Vital Support

Details

Sub Clause - 2

Give a detailed document which covers

- The Bidder presence in India

- The Bidder Support Mechanism

- Support Centres (No. Of Support Centres, locations, Staffing, etc.)

- Methodology to classify calls according to severity

- Maximum Response times to Calls

- Support levels / functions

- Whether dedicated support staff will be maintained at IDBI Bank,

on an on-going basis.

- Support tools

- Call Centres / Help Desk

- 24 hours Availability





89 124 Section 6 : 10 -


Details


Details

Sub Clause - 3

The Bidder should support the entire Solution components

(including third party components used, if any). If not, please specify

the modules supported / not supported





90 124 Section 6 : 10 -


Details


Details

Sub Clause - 4

Give details of any Business Associates / Affiliates / Franchisees of

the Bidder who perform the Support function.





91 124 Section 6 : 10 -


Details


Details

Sub Clause - 5

Give details of the clients (if any) who avail of the Support function

of the Bidder





Page 13 of 25

92 124 Section 6 : 10 -


Details


Details

Sub Clause - 6

In case of third-party components being used in the Solution, please

specify the details of the arrangements that will be worked out

between the vendor and the third-party Bidder.





93 125 Section 6 : 10 -


Details


Details

Sub Clause - 7

In case of Solution upgrades, please give details of the Deployment

Strategy for the new version, with minimum disruption to the

Banking operations





94 125 Section 6 : 10 -


Details


Details

Sub Clause - 8

Please specify whether there are any restrictions / conditions

applicable, on the Support Arrangement, in case of IDBI Bank not

opting for any higher version of the Solution, whenever it is

available





95 125 Section 6 : 10 -


Details


Details

Sub Clause - 9

Please specify whether there are any in-built checks and

mechanisms to track the activities of the Support Staff





96 125 Section 6 : 10 -


Details

Clause vi.) - Desirable

Support Details

Sub Clause - 1

Give details whether the Bidder conforms to any International

Quality Management procedures as part of their Support function.



"Available / Customizable / Not Customizable". Also is not this

already covered under Eligibility - ISO 9001 requirement ?


97 127 Technical Evaluation Applicable to the table in total Sub Total (C) reads "20". Should be corrected to "30" Refer to the Corrigendum

98 8 3.4.1 The Bidder shall furnish, as part of its Bid, a Bid Security (EMD) in

the form of Demand Draft / Bankers’ Cheque/ Pay order, drawn in

favour of “IDBI Bank Limited” for an amount of Rs.5,00,000/-

(Rupees Five Lakh only) payable at Mumbai, and must accompany

the Technical Bid. The Bid security / EMD shall not bear any interest.

We request IDBI Bank to accept EMD in the form of a Bank

Guarantee as well.


99 10 7.8.5 Bidder should have been in existence and in the business of

development, implementation, supply and maintenance of Cheque

Truncation System (CTS) solution for at least five (5) years as on the

date of issue of this RFP. (Self-Declaration and Work Order copies to

be submitted)

Please amend this clause for 3 years experience No change in RFP terms

Page 14 of 25

100 10 7.8.6 The bidder must have successfully implemented CTS Application








Please amend this clause for a daily volume of 1.2 Lakhs

(1,20,000)


101 10 7.8.7 The bidder must have successfully implemented CTS Signature and

CTS Archival Systems in minimum two Banks in India. (Self

Declaration giving information regarding (i) Name of Banks,(ii) Per

day processing volumes in each of the banks,(iii) other applications

with which interface has been done; along with Purchase Order /

Agreement Copy to be submitted).

CTS Signature system is a part of the CTS Inward module. Does

this match the requirement?


102 42 28.1 The Purchaser may, terminate this Contract by giving the Bidder a

prior and written 30 (thirty) day’s notice indicating its intention to

terminate the Contract under the following circumstances.

The vendor should also have such right, may be with an

enhanced period of notice.


103 43 29.2 In the event that the termination of this Contract is due to the

expiry of the term of this Contract / a decision not to grant any

(further) extension by the Purchaser, the Bidder herein shall be

obliged to provide all such assistance to the successor Bidder or any

other person as may be required and as the Purchaser may specify

including training, where the successor(s) is a

representative/personnel of the Purchaser to enable the successor

to adequately provide the Services hereunder, even where such

assistance is required to be rendered for a reasonable period that

may extend beyond the term/earlier termination hereof.

The purchaser should pay for the services rendered by the

bidder in this period.


104 47 40.2 Professional liability insurance, with a minimum coverage equal to

estimated remuneration and reimbursable.

Applicable for all the employees OR only for the project related

employees?

Project related employees at any point of the contract.

105 47 40.3 Employer's liability and workers' compensation insurance in respect

of the personnel of the Bidder, in accordance with the relevant

provisions of the applicable law, as well as, with respect to such

personnel, any such life, health, accident, travel or other insurance

as may be appropriate; and Insurance against loss of or damage to

(i) System(s)/Solutions purchased in whole or in part with funds

provided under this Contract or otherwise, (ii) the Bidder’s property

used in the performance of the Services, and (iii) any documents

prepared by the Bidder in the performance of the Services.

Applicable for all the employees OR only for the project related

employees?

Project related employees at any point of the contract.

Page 15 of 25

106 53 h Source code for customized application and documentation of the

CTS shall be the property of the IDBI Bank and the same to be


If the customisation is done in the main application, then the

source code for the whole application can not be shared with

the bank. The code can be shared only for the customised

utility.

107 57 xi A copy of the source code of the application customised for IDBI

Bank shall be handed over to the Bank. A copy of all subsequent

updates to the source code shall also be handed over to IDBI Bank

after the release/Go Live.

Same As Above

108 61 9.2 All audit points raised by the Software auditor should be addressed

by the selected bidder without any extra charge.

The audit points should not indicate any change in the the

scope of work OR additional development because of advised

change in the process.


109 90 11 System should be compatible to handle all Cheque Scanning devices








Bidder for integration.

Does this point refer to the scanner APIs in a non Windows

environment?

Proposed CTS Solution should have capability to integrate

scanner APIs for Windows and Non-Windows environment

both.

110 102 6 The Cheques scanning is to be done in one single capture with

endorsement, MICR line reading along with UV image scanning.

The cheque scanners should also support capturing all the

images in a single scan.

All existing Cheque Scanners available with the Bank are

supporting scan a cheque image including UV in single pass

only.

111 100 112 The system should provide interfaces and automated checking for

the new CTS 2010 Instrument standards. Ex. UV, watermark

detection etc.

Please clarify if Water Mark can be captured in a Cheque

Image.

Yes.It can be.

112 100 104 The solution should have features / tests/ mechanism to initiate or

perform fraud prevention/detection for tampered/ Xerox / fake

instrument.

This requires certain additional features on the Cheques. No Change in RFP terms.

Recommendations regarding additional features will be

discussed with the selected bidder and may be intimated to

the regulator.

113 103 9 Provides for endorsement, unique item sequence number to be

printed on the reverse side of the instruments and multi-line

endorsement for re-presentment cases. There should not be any

overlapping, in case a new endorsement is required for re-

presented Instrument(s) in outward clearing.

The Cheque Scanner should support multiline endorsement

functionality.

All existing Cheque Scanners available with the Bank support

multiline endorsement.

114 108 58 The software should be based on Oracle Database (preferable) Will the migration to oracle post deployment be acceptable to

the bank?


115 108 59 The software should be platform Independent Please clarify whether the platform referred here is from the

server side OR client side

Client Side, there should not be any dependancy for CTS

processing.

116 109 67 Segregation of government cheques at the time of scanning. The Cheque Scanner should have multiple pockets its APIs

should support on line sorting of the documents.

All existing Cheque Scanners available with the Bank are

multiple pockets scanners.

Only customised source code, which will be Bank's Property

and can be used for further development/enhancements.

However, ESCROW arrangement is for keeping entire source

code of proposed solution under the safe custody of

ESCROW vendor.

Page 16 of 25

117 113 108 Provision to integrate all available CTS Cheque Scanners within the

Bank by listing in single dashboard and displaying their

Active/Offline status by connecting through Intranet or Internet

Connectivity provided by the Bank.

Whether the cheque scanners will be connected on LAN ports

and will have IPs to check the real time status from server side.

Yes.

Network Connectivity & System IPs will be available.

118 118 8 The physical removal of such Instrument(s) should be allowed with

two users jointly approving the same. There should be history of

such retrievals with user id’s for audit and control purposes

Please elaborate the requirement. Any item to be deleted from CTS System during processing

will move to second authoriser for confirmation and audit

trail for each action to be in place for history retrieval.

119 120 6 Test Plans covering the entire functionality of the Solution will be

provided by the Bank. The Bidder should be able to arrange (The

applications S/W, H/W, personnel and other resources) for testing.

The exercise will not exceed the duration of 4 calendar weeks

(including the Reference Site visits if any).

Does the bank expect vendor to provide for test servers and

scanners?

No, Bank will arrange for the same.

120 102 5 The System should have web-based scanning module for Bank’s

Branches / Service Centers / Corporate Clients / Sub-Member Banks

with proper authentication mechanism through intranet & internet

communications and segregation of Clearing Types (CTS / Non-CTS /

Special Clearing / MMS etc.). Apart from CTS Scanner’s driver

installation, there should not be any additional client based setup

required to activate the scanners.

Contradictory/ ambiguous requirement for offline scanning Online solution needed for all Bank's Branches and Client





121 124 1 The Bidder should have local presence i.e. a support centre

operating within India. Also in each of the local centres where the

Cheque truncation facility would be made available in future by RBI

/ NPCI.

Does the bank expect vendors to provide for the support at all

exisitng and future locations in CTS? Support can be provided

remotely through a central location.

Yes. Bank expect vendor's support in all three grids and in

case of any client problem in PAN india, remote support will

be sufficient.

122 Pg. 8 3. Bid Security / EMD #4.1 The Bidder shall furnish, as part of its Bid, a Bid Security (EMD) in

the form of Demand Draft / Bankers’ Cheque/ Pay order, drawn in

favour of “IDBI Bank Limited” for an amount of Rs.5,00,000/-

(Rupees Five Lakh only) payable at Mumbai, and must accompany

the Technical Bid. The Bid security / EMD shall not bear any interest.

Request the Bank to kindly allow EMD submission as a Bank

Guarantee also.


123 Pg. 9 7. Eligibility Criteria for

bidders #8.2

The Bidder should be a Company registered in India under The

Companies Act 1956 / 2013 (Certification of Incorporation along

with certificate of Business commencement to be submitted)

It is not mandatory for Private companies to procure

"Certificate of Business commencement", therefore request

the bank to only consider letter of incorporation for this

criteria. Bidder will provide financial statements / POs as proof

of business commencement if so mandated by bank.

In case of bidder is Private company, the Bank will acccept

"certificate of incorporation"

Page 17 of 25


bidders #8.6

The bidder must have successfully implemented CTS Application








Bidder is handling close to 16 Lakh cheques per day through its

hosted /outsouced CTS services. This volume is inclusive of

banks processing daily volumes in the range for 2 - 6 Lakh

instruments.

Therefore request the bank to kindly revise the criteria as "The

bidder must have successfully implemented CTS Application

Software for minimum two banks in India in licence or

hosted/outsourced model with at least one of the Banks

handling daily volume of minimum 2 Lakhs (2,00,000) cheque

transactions per day, spread over one or more grids taken

together."



bidders #8.7

8.7. The bidder must have successfully implemented CTS Signature

and CTS Archival Systems in minimum two Banks in India. (Self





Need clarity - is the scope of CTS Signature system same as

"Signature Verification system with 4-eye concept."?


126 Pg 51 Section 4; #3 Scope of

work

c) Solution involves Online & Offline provision for Bank’s clients

(Corporate or direct/in-direct Sub-Member Banks), who will process

their CTS Clearing at their Service Centers/Branches by accessing to

CTS System, preparing & processing CTS Clearing files from their

end, accessing CTS Reports, generating data/image files for

uploading into their respective Core Banking System and

transfer/receive the CTS Processing files through Secured Data

Transfer Mechanism provided by IDBI Bank.

Request the bank kindly clarify the use case envisaged for both

"offline and online provision for bank's clients"







work

e) Solution should have capability of handling Virtual Account

Numbers and transactions linked to Virtual Accounts, Credit Card

and Debit Cards as per Bank’s requirements. Solution should also

have provision of Integration, in case existing CBS (Finacle) is

migrated to higher version or new CBS is introduced by the Bank,

without any additional cost during the contract period

(Warranty/AMC).

The requiement for "capability of handling Virtual Account

Numbers and transactions linked to Virtual Accounts, Credit

Card and Debit Cards as per Bank’s requirements" is not clear.

Request the bank to kindly clarify the user case enviaged for

this requirement.

All exisitng integration requirements has to done by the

selected Bidder in the proposed CTS Solution. Further, any

integration requirement on the modules procured during the

contract period (Warranty/AMC) has to be done without any

additional charges.


work

f) Solution should have provision for digital signing in hybrid

environment i.e. distributed as well as in central processing

environment (i.e. at various Cheque collection points or branches

/Central processing /service branches level / off-site locations /

Client Locations), and only with proper validation/authentication,

the processing should be carried out. Bank has already appointed

vendor for providing digital certificates through e-tokens and have

arrangement with IDRBT for system certificates and all these devices

are to be integrated with the proposed solution.

Does the bank need the items approved by a particular user to

be signed using the digital signature of that particular user or

would a single digital signature at the central site used for

signing all the items and files?

Proposed Solution should have provision for digital signing in

hybrid environment i.e. distributed as well as in central

processing environment depending on Bank's requirement.


work #3.3

h) Source code for customized application and documentation of

the CTS shall be the property of the IDBI Bank and the same to be


Need clarity on how this needs to be handled. Only customised source code, which will be Bank's Property

and can be used for further development/enhancements.

However, ESCROW arrangement is for keeping entire source

code of proposed solution under the safe custody of

ESCROW vendor.

Page 18 of 25

130 Pg 89 Section 6

1. Functional

Requirements #5

Provision for Online & Offline Solution for Sub-Member Banks to

handle their clearing independently at their Offices/Locations.

Secured channel for System Access and transferring files will be

provided by the Bank/Sub-member Banks. System should have

capability to handle Segregation and also to provide proper

authentication mechanism so that Direct or In-direct Sub-Member

Banks or Corporate Clients can process all types of clearing

(Outward, Inward, Extension and both types of Returns Clearing) at

their end by using the CTS Solution either in Online or Off-line

mode.

Request the bank kindly clarify the use case envisaged for both

"offline and online provision for Sub-Member Banks"






131 Pg 89 Section 6

1. Functional

Requirements #8

System should be capable of creating multiple clearing types to suit

Bank’s/Corporate Clients/Sub-Member Banks (All types) clearing

requirements to route the instrument and transaction type level

and maintain separate settlement Ledgers and general ledger

interface at various clearing types.

What are the multiple clearing types that the bank will be

requiring?

Multiple Clearing Type are CTS, Non-CTS, Special Clearing

and multiple Clearing sessions in a day depending upon

current & future RBI directions.

132 Pg 91 Section 6

1. Functional

Requirements #16

Provision for capturing batch wise/ type wise clearing (CTS / Non-

CTS / Special Clearing / MMS) for the following cases:

a. Cheques Only

b. Cheques with Slip (Product Wise)

c. Marking Paper to Follow (P2F) batches at time of scanning itself.

d. Capturing MMS (Mandate Management Scanning) instruments as

per Bank’s requirement.

The scanning requirements (only front image) and the IQA

validations required for mandate scanning are different from

Cheque scanning, therefore request bank to remove the

provision for mandate scanning from the scope.

Mandate scanning is must required and proposed CTS

Solution should have feature to scan mandates and generate

only images (Front B/W and Front Grey Scale) at pre-defined

location.

133 Pg 92 Section 6

1. Functional

Requirements #22

Should provide provision for outward posting files in different levels

and segregation should happen at point of capture itself, depending

on Bank’s / Corporate Clients / Sub-Member Bank’s requirement:

Cheque Wise

Deposit Slip wise

Account Wise etc.

This requirement is not clear. Outward processing usually

happens in batch mode; cheque, deposit slip and account wise

segregation is provided in reports. Request the bank to kindly

clarify the envisaged use case for this requirement.

No Change in RFP terms.

Proposed solution should be able to select the mode of

scanning from the following :-

Cheque only

Cheque with Deposit Slip

Product code wise

any other criteria as per Bank's requirements

134 Pg 94 Section 6

1. Functional

Requirements #42

System should provide a Document Management facility to store

the Instrument(s) with unique reference numbers for easy retrieval

at later stages.

Is this requirement same as the Archival solution or does the

bank need a separate Document Management Solution?

The Bank does not need a separate DM Solution.

Requirement is for an Archival System which would capture

the details of identification/custody/storage of the physical

instruments. The Archival system should enable easy

retrieval of any instument.

135 Pg 96 Section 6

1. Functional

Requirements #67

The solution should support data mining exercise of the Bank. Request the bank to kindly provide details of this requirement -

would giving a data dump in a pre-defined format required by

bank suffice?

Bidder has to provide an interface for intergration with other

systems of the Bank, where CTS Data need to be provided as

per Bank's MIS requirements.

136 Pg 98 Section 6

1. Functional

Requirements #86

Purging details should be captured to store the time and data

contents in host system.

Which purging details is the bank referring to? Purging data from Production system, post successful

transmission into Archival System and with due verification

as per Bank's policy.

Page 19 of 25

137 Pg 100 Section 6

1. Functional

Requirements #107

System should have capability of segregating return items from

Outward Batches with Cheques sorting feature at Cheque Scanning

level.

This requirement is not clear. Returned items will not be

known to the system till the returns session is completed and

therefore segregation cannot be done at scanning level. Does

the bank have some other use case in mind?

Proposed Solution should have feature to upload outward

return file and facility to segregate physical return cheques

through Cheque scanning. This exercise will be executed post

return files received from NPCI.

138 Pg 100 Section 6

1. Functional

Requirements #116

System should be able to interface and be compatible with IDBI

bank’s existing Archive system.

Does the bank require the proposed system to be able to

retrieve images / data from the existing archival system or

migrate the data into bidder's proposed archival system?

Yes, Selected Bidder is required to migrate all existing

Archival data into new proposed Archival System.

139 9 8.2 ( Eligibility Criteria) certificate of Business commencement to be submitted Request bank to please clarify what document required for the

for the same .

The particiapting bidder should submit MOA/AOA

(Memorandum of Article/Article of Agreement) , if

applicable.

140 10 8.6 (Eligibility Criteria) The bidder must have successfully implemented CTS Application



transactions per day, spread over one or more grids taken together.

We request Bank to modify this clause to (The bidder must

have successfully implemented CTS Application Software in

minimum two PSUs banks in India with at least one of the PSU

Banks handling daily volume of minimum 50000 to 100000

cheque transactions per day, spread over one or more grids

taken together


141 10 8.7 (Eligibility Criteria) The bidder must have successfully implemented CTS Signature and

CTS Archival Systems in minimum two Banks in India. (Self





Please provide more clarify on CTS Signature eligibility point,

as per our understanding it should be part of functional

requirement of Bank .


142 On completion of Requirement Study, Centralised CTS Application

installation for UAT, Interface, trainings and other relevant

installation/Master uploads.- 20% (payment)

We request Bank to consider payment 50 % against the (On

completion of Requirement Study, Centralised CTS Application

installation for UAT, Interface, trainings and other relevant

installation/Master uploads.)


143 On completion of UAT (including resolution of all Issues, Complete

Installation of DC, DR and NDR (if any) setups)- Payment 20%

we request Bank to consider payment Terms 40% for the [On

completion of UAT (including resolution of all Issues, Complete

Installation of DC, DR and NDR (if any) setups),On resolution of

all Issues raised within One Month post Go live (Western Grid

and all its Sub-Member Banks, North Grid and its sub-member

banks, South Grid and sub-member banks


144 On resolution of all Issues raised within One Month post Go live

(Western Grid and all its Sub-Member Banks)- Payment 15%

Rest 10% after completion of (On resolution of all Issues Raised

within 3 months of Go live and upon successful DR-drill run

conducted by the Bank and on issue of Acceptance)



(Northern Grid and all its Sub-Member Banks)-Payment payment

10%



(Southern Grid and all its Sub-Member Banks)-Payment 10%


13 10 (payment terms)

Page 20 of 25

147 On set up of CTS Solution, Signature System and Archival System

and upon successful migration of existing Archival System.-Payment

10%


148 On resolution of all Issues Raised within 3 months of Go live and

upon successful DR-drill run conducted by the Bank and on issue of

Acceptance-payment 15%


149 25 20.5 (Evaluation and

comparison of Bids)

Bidder’s Competiveness and experience in implementing CTS

Solution, Trainings and Manpower Resources.- Point 20 marks

we request Bank to amend this clause as per given below.1(If

Bidder’s Competiveness and experience in implementing CTS

Solution, Trainings and Manpower Resources is greater than 10

PSU Bank then Marks will be 20. 2(Bidder’s Competiveness and

experience in implementing CTS Solution, Trainings and

Manpower Resources more than 6 PSU Bank then marks will

be 10. 3 (Bidder’s Competiveness and experience in

implementing CTS Solution, Trainings and Manpower

Resources more than 2 PSU Bank than mark will be 6

Refer corrigendum for additional clause

150 25 20.7 (Evaluation and

comparison of Bids)

The Bidders scoring a minimum of 70 marks based on the detailed

evaluation in Technical Proposal Evaluation, would be qualified and

short listed for next Phase – Techno-Commercial Bid

We request Bank to Amend this clause . For Technical proposal

60% mark and for commercial proposal 40% mark


151 36 13. LIQUIDATED DAMAGES 13.1. If the Vendor fails to deliver any or all of the

Service(s)/Systems or perform the Services within the time period(s)

specified in the Contract/Agreement/ fails to meet the Service Level

Requirements, IDBI/ Purchaser shall, without prejudice to its other

rights and remedies under and in accordance with the

Contract/Agreement, deduct from the Contract price, as liquidated

damages, a sum equivalent to 1% per week or part thereof of

Contract Price( i.e. item A of Commercial bid) subject to maximum

deduction of 10% of the order value ( item A) of the delayed

Service(s) . In case of undue delay beyond a period of one month

unless otherwise waived by the IDBI / Purchaser, IDBI/Purchaser

may consider termination of the Contract.

We request the Bank to modify the penalty clause as below.

1) Any deduction from contract price as a liquidated damages

will be applicable if any delay in delivery occur due to Vendor

fault.

2) 1% of the cost of Contract price will be deducted per month

as a liquidated damages per Month. Maximum to be 10%


152 61 10.1(SCHEDULE OF

IMPLEMENTATION

/ROLLOUT

Delivery of licences, DRG and SRS- 30 days from the date of

Purchase Order

We request bank to extend the delivery of licences, DRG and

SRS from 30 days to 60 days from the date of purchase order


13 10 (payment terms)

Page 21 of 25

153 59 7.1 (Timeline and Penalty

for delay in project

implementation

The System should be delivered as per the schedule from date of

placement of Order and vendor should give a certificate that all

modules have been deployed in the Bank’s servers. Penalty will be

applicable for late delivery of the customized software. 1% of the

cost of the software ( item A-1) will be deducted as penalty per

week for failure to achieve the milestones as indicated in the RFP.

We request the Bank to modify the penalty clause as below.

1) Penalty will be applicable for late delivery of the customized

software if any delay occurs from vender side.

2) 1% of the cost of the software (item A-1) will be deducted

as penalty per Month. Maximum penalty would be 10%


154 84 12. SERVICE LEVEL

AGREEMENT

SLA for Software Support& Third Party Tools, if in use:

(Low --2Hours--24 Hours (One Day)

We request the Bank to modify the Timeframe for Resolution

for Low severity to 72 Hours since it is related to operational

issue.


155 51 3 .Scope of Work (3.1.f) Solution should have provision for digital signing in hybrid

environment i.e. distributed as well as in central processing

environment (i.e. at various Cheque collection points or branches

/Central processing /service branches level / off-site locations /

Client Locations), and only with proper validation/authentication,

the processing should be carried out. Bank has already appointed

vendor for providing digital certificates through e-tokens and have

arrangement with IDRBT for system certificates and all these devices

are to be integrated with the proposed solution

Is Bank is looking for item level signing at the central server

through HSM card?

Item level digital signing HSM card will be installed into the CTS

server or CHI server.




At Central and distributed levels, Digital Signing can be

executed through HSM Card and e-tokens respectively or any

other mechanism proposed by the Bidder.

156 52 3 .Scope of Work (3.1.l) The Bidder shall commit in writing that the licenses for CTS will be

provided at Enterprise level based only for unrestricted use across

organization and its Clients (Corporate and Sub-Member Banks),

irrespective of locations or number of users for the entire / contract

period. No extra charges as regards to customization/

implementation/ professional charges should be borne by IDBI

Bank.

Please clarify l customization/ implementation/ professional

charges will be applicable for any new installation post go live

Installations related to DC/DR/NDR arrangements during

contract period should be taken care without any additonal

charges.

157 52 3 .Scope of Work (3.1.n) The date of completion of the Project including operationalisation

i.e. performing live operations shall not be later than three months

from the date of award of the Contract. The Bidder shall

categorically undertake to meet this timeline. Time being the

essence of the contract; the Bidder is not likely to be considered if

there is no such undertaking.

We request Bank to consider that completion of this project is

subject to support from Bank and we request the Bank to

provide Grid wise implementation time line with the

truncation model opted by IDBI Bank.


Page 22 of 25

158 53 3.3 c ( Scope of Work) Supply of CTS Application and License: The Bank requires enterprise

license of CTS Software and hence, bidders are required to quote

their price for enterprise license only.

The Bank proposes to procure Enterprise wide licence for the CTS

application Software including Signature and Archival Systems.

There shall not be any restrictions like number of installations, site,

clients, processors etc. There should not be any licensing restriction

for access / usage by all or any of the Bank branches, regional

offices, CPUs, RPUs / Offices of the Bank as well as Clients

(Corporate and direct/In-direct Sub-Member Banks) for CTS Clearing

Processing. Administrative and user level training on software

should be part of the solution.

We request bank to modify the clause that user level training

will be provided along with enterprise license till

implementation.

Post implementation user level training will be consider

separately.

No change in RFP Terms

159 53 3.3 e( Scope of Work) Provide APIs for integrations with various External Systems as

required

We request the Bank to Modify(Bidder will integrate with

Various external system with or without API as or when

required by the Bank )


160 54 3.5. Implementation &

Customizations

Integration with all models of CTS Cheque Scanners available within

the Bank.

Request Bank to provide the existing scanner make and model

along with the API to provide a compliance on the same

Details of CTS Cheque Scanners models available within the

Bank, as on date:






6. Canon CR 190i UV




161 54 3.6. Integration with other

Systems

Any other system as required by the Bank from time to time. Need more clarity in this clause Depending upon Bank's requirement during the currency of

contract, any other integration (Data/Image level)

requirement need to be addressed by the successful bidder.

162 90 Functional Requirements

Point No 11

System should be compatible to handle all Cheque Scanning devices








Bidder for integration

Request bank to please quantify the point with respect to list

of scanner & operating System for proper compliance.

Proposed CTS Solution should have capability to integrate

scanner APIs for Windows and Non-Windows environment

both.


Point No 40

System should have configurable day/time limits for the cut off

time, which could be different for different clearing cycles.

Please elaborate the point Proposed Solution should have feature to handle process at

specified cut-off time set for respective grid location with

access rights to be provided for processing beyond cut-off

time.

Page 23 of 25


Point No 53

Auto-Replication between Primary and DR Sites (DR&NDR) should

be available with proper monitoring process. In case of any disaster,

entire solution should be capable to handle immediate switchover

from Primary to DR Sites and Vice-versa without any kind of manual

intervention and user level changes.

The desired functionality and configuration should be made it

available by the replication software. Please clarify the

requirement with respect to CTS solution.



Point No 50

System should have a special interface for auditors and IT users

where access to all data would be allowed without any modification

or change permission.

Please clarify the special interface requirement in detail. Special interface to be provided with read only access in the

proposed solution for monitoring purpose.


Point No 55

System should be able to interface and connect with IDBI Bank’s

existing signature servers and also be able fetch signatures from

CBS. Facility for Migration of existing Bank’s signature system to the

new signature solution, which should be provided by the Bidder.

Bidder has to complete it without any additional cost/charges to the

Bank.

Please provide the existing system details and new system

details

Signature System means Independent Signature solution to

host all Bank's customer's signatures and MOP details and

proposed CTS Solution should integrate to fetch Signature

and MOP details during Technical Verification processes with

4-eye concept.


Point No 74

The proposed CTS Solution should provide interface with other

software as required by the Bank.

Please provide the other software details along with the actual

requirement.

Bidder has to provide interface/format in the required

format to share the details with all other Bank's solution

whereas CTS Data are required to be exported/imported.


Point No 85

Should provide online interface to extract data from the Clearing

and truncation system to feed IDBI Bank's other application on need

basis.

Please provide the other application details along with the

actual requirement.

Online Interface to generate CTS Data to feed into other

applications. However, Data format requirements will only

be shared with the successful bidder.


Point No 87

Possibility of sending emails of images and data records

automatically by the system.

Please specify the criteria for sending the emails Proposed System should have feature to integrate with

Bank's e-mail system to send alerts and sample format/data

by creating special rules in the proposed solution.


Point No 91

Facility to auto-lock/Screen timed out should be available with

configurable feature.

Please elaborate the point of auto-lock Auto-Lock/Screen timed out means facility to configure

screen timed out as per Bank's internal policy and restrict

user during Screen idle scenarios. However, User-

ids/Processing Queues should not be auto-locked during

screen timed out scenarios.


Point No 97

Provision for easy communication between Bank and Sub-Member

Banks and Corporate client in Online Processing system so that

timely alerts can be published to them related to Cut-off timings,

changes in process etc.

Is Bank is looking full fledge messaging system ?

Or

Information (massage) should be displayed in website for the

end used

Feature in proposed system for Banner/ Information

message to be published by Bank to Application users,

whenever requried.


Point No 98

Provision for Fee based transactions reporting for the Bank’s Clients

(Corporate and All types of Sub-Member Banks) as well as

Capture/DEO Vendors.

Please elaborate the point Feature to generate fee based reports depending upon

processing volume and transaction charges set by the Bank

for its Clients and Sub-Member Banks for easy recovery.


Point No 106

The solution should have web-based feature to intimate branches

live status of processing / rejects etc.

Please clarify our understanding : Since branches are assign to

users in CTS system hence the live processing will be available

user wise.

Scanning Branches / Clients should be able to identfy their

scanned batches and monitor live status.

Page 24 of 25


Point No 108

System should have ICR/OCR capabilities to capture any given field

present on the instrument. The fields can be handwritten or printed

and could be present on the instrument.

Amount

Instrument date

Payee name

Account Number

Amount in words

ICR/OCR result are not very good on Indian cheques. we

request bank to please recommend if any specific ICR/OCR

engine need to be considered for integration and as well as

for normalization


175 104 Technical Requirements:

Point no 18

Shall have options to implement encryptions and digital signatures

at Central level, file level and instrument level.

Is Bank is looking for item level signing at the central server

through HSM card?

Item level digital signing HSM card will be installed into the CTS

server or CHI server.




At Central and distributed levels, Digital Scanning can be

executed through HSM Card and e-tokens respectively or any

other mechanism proposed by the Bidder.


Point no 48

The system should have provision for exception handling like Hold

Back before dispatching the image to RBI / NPCI. Before day end, it

should raise exceptions of such instruments present for the days

clearing.

Please elaborate the Point Provision to hold single or multiple items from respective

Batch(s) before released for Outward Presentation to CHI.


Point no 52

The proposed solution should be single integrated solution for

Inward Clearing / Signature Verification / Outward Clearing / Reject

processing with a single database system for all the modules instead

of multiple systems. The proposed solution for Corporate Client and

Sub-Member Banks can be the centralised solution (Online) and/or

Off-line model depending on Bank’s requirements.

We propose a modular solution architecture to take care of

last mile failure, instead of single integrated solution for

Inward Clearing / Signature Verification / Outward Clearing /

Reject processing with a single database system for all the

modules instead of multiple systems, request you to please

amend the clause accordingly.



Point no 68

Option to mark batches specifically as P2F batches, NON CTS

batches, special clearing batches, etc. should be available at the

time scanning only.

Please prove more details on your requirement Capture Application should have feature by default for

Cheque Scanning as CTS Instruments. However, there should

be option available to create Non-CTS or Special Clearing

Batches for Special Session days as per RBI directives.

Similarly, Before or During Batch scanning, capture user can

mark the batch as Paper2Follow "P2F" so that post

presentation, subjective P2F marked batch can be handover

to NPCI physically during P2F Session timings easily.


Point no 97

IW / DW should read payee names by ICR/OCR and validate with the

agent master uploaded in Core banking software.

ICR/OCR result are not very good on Indian cheques. we

request bank to please recommend if any specific ICR/OCR

engine need to be considered for integration and as well as

for normalization


Date :- 29- August 2016

Place :- Mumbai

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