✅ Bank of Baroda – CMS Capabilities Overview

🔗 Official CMS Page: https://www.bankofbaroda.in/business-banking/corporate-banking/services/baroda-diginext

🧠 Core CMS Features:

• ✔️ Collections: NEFT, RTGS, UPI, Cheques, eCMS, Cash/Cheque Pickup
• ✔️ Payouts: Bulk NEFT/RTGS file uploads through portal
• ✔️ Reconciliation: T+1 recon files; limited auto-matching
• ✔️ Virtual Accounts: Available, with fixed and dynamic mapping options
• ✔️ Reporting: Email-based MIS + BoB CMS portal downloads

🏭 Industry Use-Cases:

• PSU: Public utility payments & vendor fund transfers
• NBFC: EMI collections via eCMS
• Healthcare: Settlements and daily reconciliation via virtual accounts

⚙️ API Capabilities:

• ❌ Real-time: Currently limited
• ✅ Batch File: Standard functionality supported
• ERP Integrations: Supported through SFTP/manual workflows

📊 Adaptability Score: 6.7/10

🔍 Strategic Insights:

• Strength: Strong trust and presence in semi-urban/rural markets
• Gap: Limited API-centric integrations, slow innovation cycles