CBS is positioned as an integrated solution to the basic banking operations pertaining to deposits, withdrawals, credit delivery, and attendant backend jobs, mainly in the retail and small business segments. It has enabled the introduction of efficient and convenient delivery channels like ATMs, Net banking, tele banking etc.
So, when the banking industry has reached, so to say, a critical mass as far as using CBS is concerned, what’s next? Do we  BIS central bankers’ speeches  1  need to go “beyond core banking” and if so, what should be the areas and technologies that the banks need to focus on?