Internet and technology assume a key role in the development of various organizations, businesses, and the financial industry in today's digital world. The worldwide web has now become a mainstream network technology enabling low-cost communications architecture, as well as a great convenience for any discipline, particularly the banking industry, to promote organizational success and client convenience. The digital economy has gained widespread acceptance, and the banking industry may soon be able to replace physical money transactions with digital transactions. Because of the enormous impact of cyberattacks on e-commerce activities, the integrity, and privacy of these operations have become increasingly important. With the growing availability of the Internet practically at all places, organizations can use it for their local presence. A VPN is a virtual private network using security protocols and tunneling protocols, a VPN ensures data confidentiality. Another advanced technology Cloud computing, allows organizations to have on-demand access to computing services. On the other hand, data transit in the cloud, leads to data breaches and loss of data by third-party invaders, posing a threat to the safety and reliability of confidential information. In this paper, author suggests a Virtual Private Network which can be implemented within banks' payment processing mechanism which provides a safe and secure payment gateway on the internet. This paper proposes a VPN framework for banks, particularly cooperative banks with restricted IT budgets

Cooperative bank, Virtual Private Network, Security, Cloud Computing,