In 
Adarsh Credit Co-operative Society was founded in 1999 with the primary objective of uplifting the social and financial status of its members by inculcating saving habits among them through the spirit of co- operation and providing technical and financial support. The principal function of Adarsh Credit is to provide financial services to its members and to reach the nook and corner of the country.
Society had a lot of manual and paper work involved in their transactions. This was also because they have advisors who visit rural areas to collect transaction money or documents. The society wanted to make their work simpler while saving on time and efforts. They also had a mandate of core banking and wanted to have the right IT implementation in place.
They wanted manageable and scalable solutions for their organization and this is how IBM came into picture.
Solutions deployed
‘We have upgraded our hardware and added one disaster recovery environment replicating our DC into DR,’ says, Himanshu Shah, CTO, Adarsh Credit Co-operative Society. They have utilized IBM hardware platform.
In 2013, IBM proposed multiple solutions including better VM density for physical server, storage virtualization in 7000 series of storage, better end to end manageability from single console across server, enhanced performance of storage and develop in-house applications on IBM hardware. ‘We moved into mobility and implemented Agent Banking solutions. The choice of IBM for our DR was over multiple vendors, says Himanshu.
Doing business in real time
The bank follow an agent/advisor banking solution. Agents, or advisors as they call them, visit rural areas and carry out transactions for villagers. Earlier, it was on paper, but with mobility solutions, they are doing it real time besides providing notification mechanisms.
Society received positive response from both advisor and customer perspective. It has enhanced the customer’s confidence in putting in more money increasing the level and magnitude of transaction.
The fact that they have grown in terms of number of branches and customers, post the implementation, especially from rural areas and that they are contributing towards financial inclusion makes them happy and ambitious.
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