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Online Banking

  1. 1. Slid e 1
  2. 2. Online Banking
  3. 3. Introduction
  4. 4. Aim  The aim of this presentation is to let the class understand how the online banking service system was introduced and its present and likely future
  5. 5. Sequence  History  Features  How To Access  Online Banking in Bangladesh  HSBC Bank Bangladesh  Advantages of Internet banking  Disadvantages of Internet banking  Security  Risks  Sample Safety Measures
  6. 6. History  The concept  First Internet banking service  Banking service in United States
  7. 7. Features  viewing account balances  viewing recent transactions  downloading bank statements  viewing images of paid cheques  ordering cheque books  transaction approval process  register utility billers and make bill payments  investment, purchase or sale  download periodic account statements
  8. 8. How To Access
  9. 9. Online Banking In Bangladesh  Bangladeshi companies, organizations are facing problem to start full swing e-business.But still they are trying hard for the betterment of the e-business.According to a report published in The Daily Star(4th April, 2010) Bangladesh ranked 118th in the global Network Readiness Index in 2009-10 up from 130th.Bangladesh has to go long way to develop its network for arranging Digital Bangladesh by the year 2021 and public and private co-operation and strategic alliance is required to develop e-business system in the country
  10. 10. HSBC Bank Bangladesh
  11. 11. General Background:  The Hong Kong and Shanghai Banking Corporation (HSBC) Ltd Opened first Bangladesh branch in December 1996  Network of 14 offices, 40 ATMs, 6 Customer Service Centres, an offshore banking unit, and offices in 8 EPZs. Key Business Areas:  Retail Banking and Wealth Management  Commercial Banking  Corporate and Institutional Banking  Global Markets
  12. 12. Advantages of Online banking  Offer internet banking as long as there is internet connection anytime & anywhere.  Ease of monitoring  Service is available 24x7  Reduction in cost of transaction  Allow easier updating and maintaining of direct accounts  Available account balance & information at the touch of a button
  13. 13. Disadvantages of Internet banking  Transaction problems  High cost of technology  Banking relationship  Technical breakdowns  Security concern, like “hackers” accessing your bank account  Must have basic computer skills and internet knowledge Slid e 13
  14. 14. Online Banking Chart 0 5 10 15 20 25 30 35 40 45 2008 2010 2012 Preferred banking method of all ages Online Banking Branches ATM Slid e 14
  15. 15. Unknown 8% Mobile 6% Mail 8% Telephone 9% ATM 12% Branches 18% Online Banking 39% Preferred banking method 2012 Slid e 15
  16. 16. Security  Security is a primary concern in internet banking  SSL(secure sockets layer) protocol is used to ensure data security between customer browser and web server  Customer database is protected by double firewalls  Signature based online banking  User name and pins  Anti-virus Slid e 16
  17. 17. Risks  Operational risk  Security risk Slid e 17
  18. 18. Sample Safety Measures  Change your password periodically  Review your bank accounts frequently  Try to use low limit credit card for internet transaction Slid e 18
  19. 19. Conclusion Slid e 19
  20. 20. Q&A Sli de 20
  21. 21. Thank You Sli de 21

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