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CBS-7 Digital and Online Banking Services
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The mapping of dependencies for CBS-7 Digital and Online Banking Services at Metrobank provides a structured view of how each sub-service relies on specific people, processes, technologies, and third-party providers to function effectively.
Understanding these interconnections allows Metrobank to identify critical points of failure, assess operational risks, and strengthen resilience across its digital banking ecosystem.
This process is aligned with operational resilience best practices, ensuring that the bank can maintain continuity and respond efficiently to disruptions in its online services.
![Banner [Table] [OR] [E3] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/8a44ad9d-681b-48ff-90b1-b994a1c12a64.png)
Table P2: Map Dependency for CBS-7
|
Sub-CBS Code |
Sub-CBS |
Dependency Type |
Dependency Detail |
Connectivity |
|
7.1 |
Online Banking Platform Management |
Technology |
Core banking system, cloud infrastructure, API interfaces |
Integrates with mobile banking, account management, and payment systems |
|
7.1 |
Online Banking Platform Management |
People |
IT operations team, platform administrators |
Manage system uptime, patching, and updates |
|
7.1 |
Online Banking Platform Management |
Third Party |
Cloud service providers, system integrators |
Provides hosting, support, and maintenance |
|
7.2 |
Mobile Banking Application Services |
Technology |
iOS/Android apps, backend APIs, push notification services |
Connects to online banking, payments, and customer accounts |
|
7.2 |
Mobile Banking Application Services |
People |
App developers, QA testers, support staff |
Develop, test, and maintain app functionality |
|
7.2 |
Mobile Banking Application Services |
Third Party |
App store platforms, mobile analytics providers |
Distribution, usage monitoring |
|
7.3 |
Digital Account Access and Authentication |
Technology |
MFA systems, authentication servers, and biometric modules |
Ensures secure access across online and mobile channels |
|
7.3 |
Digital Account Access and Authentication |
People |
Security team, IT admins |
Monitor and maintain authentication systems |
|
7.3 |
Digital Account Access and Authentication |
Third Party |
Identity verification providers, MFA solution vendors |
Supports customer identity verification and secure login |
|
7.4 |
Online Funds Transfer and Payment Processing |
Technology |
Payment gateways, RTGS/NACH connections, ACH systems |
Connects to accounts, card processing, and third-party payment networks |
|
7.4 |
Online Funds Transfer and Payment Processing |
People |
Payment operations team, fraud analysts |
Monitor transactions, resolve payment failures |
|
7.4 |
Online Funds Transfer and Payment Processing |
Third Party |
Payment processors, partner banks, and clearing houses |
Facilitate interbank and cross-border transfers |
|
7.5 |
Digital Customer Onboarding and e-KYC |
Technology |
e-KYC platform, document verification systems |
Interfaces with core banking and compliance systems |
|
7.5 |
Digital Customer Onboarding and e-KYC |
People |
Compliance officers, onboarding staff |
Approve accounts and verify documents |
|
7.5 |
Digital Customer Onboarding and e-KYC |
Third Party |
KYC verification providers, ID document validators |
Ensures compliance and fraud prevention |
|
7.6 |
Digital Customer Support and Service Channels |
Technology |
Chatbots, CRM, ticketing systems |
Connects customer queries to operations and support staff |
|
7.6 |
Digital Customer Support and Service Channels |
People |
Customer service reps, technical support |
Handle inquiries and troubleshoot issues |
|
7.6 |
Digital Customer Support and Service Channels |
Third Party |
Outsourced call centers, chatbot providers |
Extend customer service capabilities |
|
7.7 |
CNP and e-Commerce Transaction Processing |
Technology |
Payment gateways, fraud detection systems, and card networks |
Interfaces with merchant systems and online banking |
|
7.7 |
CNP and e-Commerce Transaction Processing |
People |
Fraud monitoring team, payment operations |
Monitor transactions and flag suspicious activities |
|
7.7 |
CNP and e-Commerce Transaction Processing |
Third Party |
Card networks, payment processors, and fraud analytics providers |
Facilitate card-not-present transactions securely |
|
7.8 |
ATM and Electronic Channel Management |
Technology |
ATM network, POS terminals, and monitoring systems |
Connects to core banking and digital channels |
|
7.8 |
ATM and Electronic Channel Management |
People |
ATM operations, network engineers |
Maintain uptime and resolve technical issues |
|
7.8 |
ATM and Electronic Channel Management |
Third Party |
ATM vendors, POS providers, service contractors |
Hardware maintenance and replenishment |
|
7.9 |
Cybersecurity and Fraud Monitoring for Digital Channels |
Technology |
SIEM, threat detection systems, firewalls |
Protects all digital banking channels |
|
7.9 |
Cybersecurity and Fraud Monitoring for Digital Channels |
People |
Cybersecurity analysts, incident response team |
Monitor and respond to cyber threats |
|
7.9 |
Cybersecurity and Fraud Monitoring for Digital Channels |
Third Party |
Security solution vendors, threat intelligence providers |
Provide advanced detection and mitigation tools |
|
7.10 |
Digital Banking Data Management and Reporting |
Technology |
Data warehouses, analytics tools, and BI dashboards |
Connects to all sub-services for reporting and decision-making |
|
7.10 |
Digital Banking Data Management and Reporting |
People |
Data analysts, reporting officers |
Generate insights and compliance reports |
|
7.10 |
Digital Banking Data Management and Reporting |
Third Party |
Cloud analytics providers, BI solution vendors |
Support data storage, processing, and visualization |
![Banner [Summing] [OR] [E3] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/d9c4296b-54cd-48e0-ae66-b7f4a8a03ff7.png)
Mapping the dependencies of CBS-7 Digital and Online Banking Services enables Metrobank to gain a clear understanding of the relationships between people, processes, technology, and third-party services.
By visualising these interconnections, the bank can identify potential risks, prioritise operational resilience measures, and ensure the continuous delivery of critical digital banking services.
This systematic approach enhances Metrobank’s ability to withstand disruptions, maintain customer trust, and respond proactively to evolving operational challenges.
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