2. Why Doorstep Banking System
In this connection doorstep banking has emerged an alternative to keep traditional flavor
of relationship physically alive between a banker and a customer. In fact, this kind of banking in
which banks are supposed to render banking services to their customers through their own
employees or through their agents, is used by the banks to enhance their customer base in this
fierce competition. It is not only winning new customers but retention of old customers too has
been a cumbersome task. However, doorstep banking is one system that would go well with
banks sharing a long-standing rapport with their customers, as they could cash in on relationship
by cross selling other products and services. By all means, it is the customer who is going to be
benefited by doorstep banking.
So the question is why go to the bank when the bank is ready to visit your home, office,
business establishment etc.? Today as life moves at a pace faster than ever, it leaves behind
fewer moments for you to perform your banking transactions. This convenience banking is the
numero-uno solution for people who would like to save even five or 10 minutes spent in going to
an ATM, typing their login passwords, withdrawing cash and standing in serpentine queues at a
bank branch.
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4. Features of doorstep banking
Opening an account: You can open an account with us in the comfort of your home or office.
Simply give us a call or contact us online and our executives will be there to help you open an
account for you.
Pay orders and demand drafts: You can request for free delivery of pay orders and demand drafts
to your home or office (within city limits of the bank branch in India). To add to this, local pay orders
and drafts drawn on own branches are now issued free of cost on various accounts and charged
nominally on some. NFO are limited to large Institutional investors and other large investors.
Cheque pick ups: Indicate the address (within city limits of the bank branch in India) from where
you need to have a cheque picked up and our executives will be there for you.
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5. Benefits
No queuing at the branch, bank at your doorstep
Dedicated courier agencies for cheque pick-up
Dedicated CIT agents for cash pick up & delivery secured by a comprehensive
insurance cover
Multiple verifications and identification process to ensure security
Reduced risk of carrying large sum of cash to or from the branch
To help identification, the list of agency personnel is shared with you
To confirm identification, you can check photo the id proof of agency personnel
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7. Design Architecture / Framework
The Doorstep banking Application is developed using Web based 3-Tier architecture. The
components of 3-Tier architecture are User Interface (UI) layer, Business layer and Data
Access (DA) layer etc.
The Overview of entire solution is shown as follows:
Target (Production) Hardware & Hardware Interfaces.
Web Server: Server class machine with at least 250 MB of disk space and minimum 512 MB
RAM
Application User :Any desktop/laptop machine with appropriate disk space.
Technical Architecture: Enabling Software & Interfaces ON SERVER
Server Operating System: Windows® / Linux
Database Server: MySQL Version 4.1.x through 5.1.x
Web Server: Apache
SMS Gateway: SMPP
Mobile App: Android
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9. CONCLUSION
Bank is offering the DSBS to its customers (Individual /Non Individual/Corporate)
who are interested to avail the said services, for pick up of cash and delivery of
cash from the door step of customer:
The services are to be offered only to those customers in whose case proper KYC
procedures have been followed. The service should be offered either at the
residence or at the office of the customer. Customers will be pre-registered for this
scheme. An agreement will be entered into with customer.
The DSBS include:
i. Pick up of Cash - Maximum Limit upto Rs. 2.00 crores
ii. Delivery of cash against cheques received at the counter or through Fax –
Maximum Limit Rs. 50 lacs.
iii. Pickup instruments (like cheques, drafts/Pay orders, dividend warrants etc. for
clearing) This shall be offered as a complimentary facility to customers
simultaneously alongwith cash pick up for which no charges to be paid.
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10. LIMITATIONS
Small sample size
Possibility of biased responses.
Possibility of errors in questionnaire.
Some bank may charge extra charges.
Banks may apply more rules and regulations of which customer not aware.
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11. It’s convenient
Transact from your premise.
It’s hassle-free
Experienced agencies help you with your transactions.
It’s flexible
You can choose between daily services or service on call.
It’s safe
Cash-in-transit insurance.
It’s secure
Multiple verification & reconciliation procedures make
the facility foolproof.
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