Abhishek

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

    Jessica
    http://www.sbiloans.com/
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Abhishek

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

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