CEBA in India



ICICI Bank is India's largest private sector bank, with a network of 4,874 branches and 14,367 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 National Electronic Toll Collection (NETC) initiative to implement Electronic Toll Collection across India known as the “FASTag” program. The system was deployed in July 2013 and is currently being extended to over 200 concessions 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 concessions are deployed. Capable of handling more than 300 million transactions generating $1B of revenue annually with 1.9 million customer accounts.

  • Flexibility

    CEBA is flexible and is designed to integrate with a wide variety of payment gateways. The system is capable of processing payments through multiple channels including cash from retail outlets, checks from banks, online net banking payments – CIB & RIB, Billdesk, Debit/Credit cards, Tech Process and payment through wallets such as ICICI Pockets and GPay. 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 via an online help desk. A transaction debit happens at one single prepaid wallet instead of a tag account – a unique feature of the system.

  • 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 toll 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.

  • Reporting

    A MIS repository for reports is in place for providing multiple reports based on user specific roles that is accessed through portals. 

  • Cashback

    Cashback data calculation and processing on an automated monthly basis, thereby crediting Cashback on time to all eligible customers. 

  • Applications

    Documented all features of the developed applications, thereby creating a knowledge repository (KMS) that can be shared with new entrants.

  • Operational Savings

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