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  • Very Nice Information on the SBI part. I am a huge fan of SBI.

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    http://www.sbiloans.com/
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Abhishek Presentation Transcript

  • 1. THE
    21st
    CENTURY
    BANKING
    Submitted by :
    AbhishekSasan
    MBA (IT Br.)
    500901515
  • 2. What is ‘Banking ‘ ?
    Engaging in business of keeping money for savings , Checking accounts for exchange or
    Issuing or withdrawing loans.
    An Financial institution licensed by government .
  • 3. What is BankingTechnology ?
    Use of Sophisticated Information and communication Technologies with Computer Science to offer better
    Services to it’s Customer’s in a secured , reliable and
    Affordable manner .
    Banking technology also subsumes activity of using
    Computer newly built algorithms in unraveling the patterns of customer behavior by flipping in details
    If customers , like , transactions .
  • 4. Constituents of Banking Technology
    Banking
    Technology
    Information
    Technology
    Computer
    Science
    Comm.
    Technology
    Marketing
    science
  • 5. Types of banking
    Banking
    ATM Services
    I-banking
    Mobile banking
    • SBI ATM-cum-Debit Card
    • 6. SBI Credit Card
    • 7. M commerce(Mobile
    top-up , SBI LIP)
    • Enquiry services
    • 8. Request services
    • 9. Transferring funds
    (Using NEFT)
    • Online Air –Ticketing
    • 10. Utility bill payments
    • 11. Online share trading
    • 12. Fee payments to insti
    -tutes such as IIT’s.
  • 13. Mobile Banking & it’s Pro
    • Available on java enabled handsets
    • 14. Also available on SMS / GPRS / WAP
    on non-java handsets with GPRS
    connection
    • SBI came up with a conclusion 79%
    customers do not transact through
    M-banking
    • SBI again Renovated this conclusion
    21% customers transacting through
    M-banking , customers age ranging
    b/w 18-24 i.e., youth
  • 15. TECHNOLOGY INITIATIVES : Process – MOBILE BASED
    Application Host- Vendor’s
    WIRELESS
    • security checks: Mobile
    number & Security PIN
    • Low cost entry for all
    SBI Gateway
    CURRENT STATUS
    Offline file now
    Online in future
    BC’s mobile phone
    SBI
    Core banking
    MOBILE PHONE
    CUSTOMER
    7
  • 16. I-banking
    • Request for opening new account
    closing a/c , issuing cheque book
    • Inter Bank Transfers
    • 17. Credit PPF a/c across Branches
    • 18. Online purchases
    • 19. ez-trade@sbi
    • 20. Online applications for IPO
  • Internet Banking & it’s pro
    I-banking
    e-payment
    e-rail
    e-tax
    ez-trade@sbi
  • 21. Process : PC- KIOSK internet based
    internet
    KIOSK HOST
    SBI’s GATEWAY
    PC INTERNET KIOSK
    BC
    DATA
    SBI COREBANKING
    VALIDATION
    FINGER
    SBI BRANCHES
    SBI BRANCHES
    SBI BRANCHES
    CUSTOMER
  • 22. CBS “BACKBONE”of I-banking
    Networking service enhancing the customers
    convenience
    Used to obtain cash payments by cheque,
    banker’s cheque & DD etc.,
    A CBS branch is like a Sales & Service Delivery Center. Back office processes/activities are handled through technology at a site, called Data Center.
  • 23. Ez-trade
    E-tax
    E-payment
    • Amalgation of savings
    Demats,online trading
    accounts
    • Provides a secured
    possible to all online
    stocks.
    • Direct Taxes
    • 24. CBEC
    • 25. Customs
    • 26. State Govt.
    Taxes
    • Online – pay
    • 27. Auto - pay
    • 28. Indirect Taxes
  • SBI Online Services
    Online
    Educ. Loan
    Online
    Demat
    Online SME
    Loans
    Online Car loans
    • No need to pay advance EMI
    • 29. Operationally any customer can be issued a Loan
    at home or office through SBI’s I-banking
  • 30. SBI at the “Forefront”
  • 31. ATM Services
    • With over 12,000 ATMs in India , SBI provides the largest network
    and is continuing to expand fast
    • Includes ATMs of associate banks( namely : - SBP , SBS , SBB , SBM)
    Cards Accepted at
    SBI ATMs
    Cards issued by other banks
    SBI ATM cum
    Debit Card
    All debit/credit
    Cards
  • 32. ATM BASED-PROCESS (Tech.)
    SERVICE PROCESS
    Customer registers for service
    Forms available at
    SBI branches
    ATM locations
    Billdesk aggregates
    Registration inform.
    Billdesk gives data for validation
    Billdesk does all
    Checks and provides data formats
    Next bill onwards
    Collects data
    Bill amount and
    Data shown to
    Customer on ATM
    Billdesk does reconcilation and provides payments
    Customer makes payment at ATM
  • 33. WAY FORWARD : VISION - MARCH 2012
    • No. of unbanked villages to be covered : 1 lakh
    • 34. No. of rural branches to go up to 10,000
    • 35. No. of ATMs in rural areas to go up to 6,000
    • 36. Focussed shift towards mobile banking, internet banking & kiosk banking platforms.
  • INITIATIVES IN NORTH EAST
    Cumulative position at end of the quarter (Dec08)
    NORTH -EAST
    • No. of rural/semi urban branches : 409
    • 37. No. of ATMs : 151
    • 38. Rural : 40
    • 39. Semi urban : 111
    • 40. No. of RTGS enabled branches : 484
    • 41. Business Facilitators : 76
  • LATEST ANNOUCEMENT NEWS
    • SBI has been adjudged as the Best Bank 2009 by Business India
    Group( AUG ’ 09 ’ )
    • SBI ranked as No. 1 in the 4P B & M & ICMR Survey on “ INDIA’S
    BEST MARKETED BANKS : August-2009