CEBA in India



ICICI Bank is India's largest private sector bank, with a network of 4,850 branches and 13,859 ATMs across India. They offer a wide range of banking products and financial services to both corporate and retail customers through a variety of delivery channels and its group’s companies. In 2012, the bank was looking for a technology partner that could assist the bank’s operations team with a Central Electronic Back Office System (CEBA). The main scope of the project was to process transactions, reconciliation, chargebacks, cashback, and settlement. The team also supports Issuer and Acquirer applications 24x7x365.


TollPlus was selected as ICICI’s technology provider to support a nationwide tolling initiative to implement Electronic Toll Collection across India. The system was deployed in July 2013 and is currently being extended to over 1,000 plazas utilizing one centralized back office system for the entire country. The project included:

  • Study and analysis of the requirements specifications
  • Proposing a solution to the customer
  • Software design
  • Unit test case preparation
  • Test plan creation
  • Application coding
  • Unit testing
  • System testing
  • Integration testing
  • Providing assistance and support during and post-implementation
  • Documenting the issues and solutions for future reference
  • Analysis and resolution of production issues


  • Performance

    One integrated system in use for the entire country that provides scalability with no degradation in service as additional plazas are deployed. Capable of handling more than 100 million transactions and $5M in payments annually.

  • Flexibility

    CEBA is flexible and is designed to integrate with a wide variety of payment gateways such as BillDesk, Oxygen, Tech Process, and ICICI Banks. The system is also integrated with a third-party accounting system to export finance data. The system is capable of processing payments through multiple channels including cash from retail outlets, checks from banks, online net banking payments, and debit/credit cards. The system is also integrated with multiple tag reader providers to scan tags. A customer can initiate contact through multiple channels such as phone, email, or an online help desk.

  • Modularity

    The CEBA system is built up on modular architecture to support multiple users, retailers, and concessionaires. Due to its modular nature, the addition of new roads or channels takes minimal time to implement and operate.

  • Configurability

    User accounts are configurable with multiple roles and privileges. It also supports multiple transactional, account, financial, inventory, and security configurations. All the configurations are maintained by a CEBA administrator.

  • Self-Service Portal

    Contains functionality to register/de-register users, issue a unique ID for RFID tags, link them to the user account, and recharge/update the user account. The portal connects real-time to CEBA that directly stores user and vehicle registration details and balance amount.

  • Sharing

    Sharing customer data on a daily/weekly/monthly basis with various teams at ICICI Bank.

  • Cashback

    Cashback data is manually prepared and thoroughly reviewed by the teammates on a monthly basis, thereby maintaining the quality of the data/deliverables.

  • Applications

    Documenting the applications that have been worked upon by the team, thereby creating a knowledge repository that can be shared with new entrants.

  • Operational Savings

    Making suggestions for application performance, including performance tuning, which has contributed to operational savings to the bank.