Pumori Banking Software: What You Need To Know

Pumori Banking Software is an innovative and comprehensive banking solution designed and developed in Nepal by Mercantile Office Systems Pvt. Ltd. (MOS) to meet the diverse needs of banks and financial institutions in the country. With over 25 years of experience in the banking domain, Pumori offers a wide range of features and benefits tailored for the Nepali financial sector.

Overview of Pumori Banking Software

Pumori Banking Software

Some key facts about Pumori Banking Software:

  • Developed and marketed by Mercantile Office Systems Pvt. Ltd. (MOS), a leading Nepali software company founded in 1985.
  • Provides a complete end-to-end core banking solution covering front-end to back-end operations.
  • Available in multiple versions like Pumori Enterprise, Pumori IV Plus, Pumori Micro Finance, and FinCoSys – each catering to specific sectors.
  • Used by over 600+ financial institutions across Nepal including commercial banks, development banks, finance companies, and cooperatives.
  • Continuously upgraded to adopt latest technologies and meet evolving needs.

Pumori aims to deliver convenience, efficiency, robust security and maximum functionality to banks with its cutting-edge architecture, range of modules, multiple delivery channels, customizable platform and advanced features.

Key Features of Pumori Banking Software

Key Features of Pumori Banking Software

Pumori Banking Solution offers a extensive suite of features to automate and streamline all critical banking operations:

  • Core Banking Modules – covers end-to-end banking functions from front-end account services to back-end clearing.
  • Add-on Modules – additional integrated modules for extended functionality like inter-bank transactions, utility payments, cards, mobile banking etc.
  • Multiple Delivery Channels – supports omni-channel banking via branch, Internet, mobile, SMS, ATM, POS etc.
  • Responsive Design – intuitive and user-friendly interface.
  • Multi-lingual – supports English and Nepali languages.
  • Parameterization – flexible configurations to adapt software as per institutional needs.
  • Scalability – modular, flexible and high volume capable system.
  • Robust Security – multi-layered security mechanisms for fraud prevention.
  • Reporting – comprehensive reports for operations, risk management, compliance and strategy.
  • Integration – APIs and messaging for interoperability with third-party systems.

Benefits of Pumori Banking Software

Pumori delivers significant advantages to banks and financial institutions:

  • Enhanced efficiency – increased automation of operations through streamlined processes and workflows.
  • Improved productivity – intuitive interface and wizards enhance user productivity.
  • Cost reduction – lowered TCO (total cost of ownership) and operational overheads.
  • Risk reduction – robust security architecture and controls minimize fraud/cyber risks.
  • Compliance – supports regulatory and reporting requirements of central bank.
  • New revenue – expanded delivery channels and payments capabilities enable new income sources.
  • Quick ROI – faster implementations and cost advantage ensure rapid ROI.
  • Future-proofing – regular upgrades to support latest technology trends.
  • Brand differentiation – advanced digital banking capabilities for competitive edge.

Pumori Modules

Pumori Banking Software comprises core modules for standard banking operations and value-added modules for additional capabilities:

Core Modules

  • Centralized database
  • Account opening
  • Customer information system
  • Deposits management
  • Loans and advances
  • Payments and transactions
  • Integrated general ledger
  • Remittances and transfers
  • Clearing and settlement
  • Fixed assets management
  • Staff and payroll management
  • Currency management
  • Liquidity monitoring and CRR
  • Regulatory reporting
  • Financial accounting
  • Management information system
  • Archival and backup
  • Security and controls

Value-Added Modules

  • Internet and mobile banking
  • Card management system
  • POS and switch connectivity
  • Inter-branch banking
  • Cheque truncation
  • Trade finance management
  • Treasury and forex operations
  • Payment gateways integration
  • Centralized know your customer (KYC)
  • Customer relationship management
  • Data warehousing and analytics
  • ATM and kiosk banking
  • Enterprise risk management
  • Anti-money laundering

Pumori System Architecture

Pumori utilizes a three-tier architecture for enhanced flexibility, scalability and efficiency:

Presentation TierFront-end interface and delivery channels using web browser, mobile app and thin clients.
Business TierApplication logic and processing using stored procedures and business logic.
Database TierBackend database for storage and transactions management using SQL Server.

Key benefits of this architecture:

  • Portability – Easy migration across technology platforms.
  • Scalability – Any tier can be separately upgraded or scaled as per demand.
  • Flexibility – Business logic changes do not require client side upgrades.
  • Security – Physical separation of tiers with independent controls.
  • Maintainability – Reduced downtime and easier troubleshooting.
  • High Performance – Optimized data access speeds and throughput.

Pumori – User Experience

Pumori Banking Software delivers a seamless experience across user categories:


  • Intuitive and visually rich web and mobile apps.
  • Secure access via multi-factor authentication.
  • Consistent experience across channels.
  • Personalized offers and recommendations.
  • Instant notifications and status alerts.

Bank Staff

  • Simplified processes through wizards and one-window data entry.
  • Role-based access with information relevant to job.
  • Guidance for regulatory and compliance procedures.
  • Extensive search support across customer data.
  • Centralized dashboard for quick insights.

IT Teams

  • Modular architecture for manageable maintenance.
  • Audit trails for tracking all transactions.
  • Automated backups and version control.
  • Tools for monitoring performance and troubleshooting.
  • APIs and dev kits for customization.

Implementation Methodology

Pumori utilizes a structured 5 stage implementation methodology:

Stage 1 – Requirements gathering and solution scoping

Stage 2 – Installation and base configuration

Stage 3 – Data migration and integration

Stage 4 – Testing and pilot run

Stage 5 – Training and go-live

MOS provides comprehensive support across all stages including project management, capacity building and post-implementation assistance.

Pumori – Integration Capabilities

Pumori supports extensive integration capabilities:

  • Interoperability – Interacts with payment systems like NCHL, NPI, ConnectIPS, NRB RTGS etc.
  • API and Messaging – Open APIs and ISO 8583 messaging for third party integrations.
  • Core Banking Interlink – Interacts with other banks’ core banking systems.
  • Host-to-Host Links – Integrates with other bank applications in real-time.
  • File Exchanges – Batch integrations using standardized files like MT101, FINMT, CAMT etc.
  • Network Connectivity – Secure connectivity over MPLS and other networks.
  • Hardware Interfaces – Integrates with ATMs, POS, biometrics, printers, scanners etc.

Pumori – Cybersecurity Features

Pumori incorporates extensive cybersecurity mechanisms aligned to Nepal Rastra Bank’s guidelines:

  • Encryption – Uses AES 256 data encryption for data security.
  • Access Control – Username, passwords, biometric authentication for access control.
  • Network Security – Uses DMZ architecture, firewalls, intrusion detection for perimeter security.
  • Data Security – Database hardening, activity logging, masking of sensitive data.
  • Application Security – Secure coding practices, input validation, sanitization.
  • IT Infrastructure – Hardened servers, redundant networks, backup systems.
  • Information Security – ISO 27001 alignment for policies, risk management.
  • Physical Security – Controlled physical access to data centers.
  • Incident Management – Defined processes for incident reporting, response and recovery.
  • Audit – Detailed application and database audit trails for transaction monitoring.

Pumori Training Programs

Pumori Training Programs

MOS provides the following training programs on Pumori Banking Software:

  • New Joinee Training – For new staff on overall solution awareness.
  • User Training – Role-based training on frequently used modules and operations.
  • Technical Training – For IT staff on installation, configuration, troubleshooting.
  • Administrator Training – On system administration, parameterization and customization.
  • Compliance Training – Training on regulations, policies and compliance procedures.
  • Refresher Training – For existing employees on new features and updated processes.
  • Leadership Training – On utilization of MIS and analytical reports.
  • Train-the-Trainer – For building internal training capabilities within banks.

In summary, Pumori Banking Software provides a comprehensive, secure and functionally rich solution for banks in Nepal. Its continuous evolution over decades and large footprint in the Nepali banking sector makes it a preferred choice for retail, commercial, rural and cooperative banks in Nepal seeking robust and scalable core banking software tailored for the local market.

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