welingkar icici by group 8


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  • Marketing Managment
  • welingkar icici by group 8

    1. 1.
    2. 3. How would you apply concepts of providing value and customer satisfaction and retention to designing and marketing affective online banking ? @
    3. 4. Introduction <ul><li>The systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. i.e. </li></ul><ul><li>Personal Computer </li></ul><ul><li>ATM </li></ul><ul><li>PDA (PERSONAL DIGITAL ASSISTANCE) </li></ul>
    4. 5. Definition <ul><li>&quot; Online Banking &quot; or &quot; Internet Banking &quot; is a term used for performing transactions, payments etc. over the Internet. </li></ul><ul><li>Online banking or Internet banking allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank , credit union or building society . </li></ul>
    5. 6. Added values delivered to customer through online banking <ul><li>Safe and secure mode </li></ul><ul><li>Convenience </li></ul><ul><li>It is not time bound </li></ul><ul><li>Regular incentives to customer </li></ul><ul><li>Any time access to one’s own account </li></ul><ul><li>Exhaustive features provided by net banking </li></ul>
    6. 7. Online banking implies smart banking <ul><li>The six primary drivers of internet banking includes. </li></ul><ul><li>1.Improve customer access 2.facilitate the offering of more services 3.increase customer loyalty 4.attract new customers 5.provide services offered by competitors 6.reduce customer attrition </li></ul>
    7. 8. Types of Online-Banking <ul><li>Basic Level Services. </li></ul><ul><li>Information About products and services. </li></ul><ul><li>Simple Transactional Website. </li></ul><ul><li>Submit Application, Instruction but don't offer Fund based Transaction. </li></ul><ul><li>Fully Transactional Website. </li></ul><ul><li>Transfer Funds, Payment of different bills, Subscribing to other products and sale and purchase of securities . </li></ul>
    8. 9. Facilities <ul><li>Net Banking / e-Banking / Online Banking </li></ul><ul><ul><li>Statements / Transactions Summary </li></ul></ul><ul><ul><li>Inter Branch Funds Transfer (all branches e-banking enabled) </li></ul></ul><ul><ul><li>Inter Bank Funds Transfer (all banks enabled with this service) </li></ul></ul><ul><ul><li>Bills Payment - Phone & Electricity </li></ul></ul><ul><ul><li>Lead Generation for Deposits, Investment Plans, Credit Cards </li></ul></ul>
    9. 10. Facilities <ul><li>Rail tickets online </li></ul><ul><li>Log on to www.irctc.co.in and book your tickets. </li></ul><ul><li>Please click on icici bank pg in the 'payment by credit card' section. </li></ul><ul><li>Please enter your icici bank debit card number, cvv and expiry date. </li></ul><ul><li>Enter your internet banking user id and password to complete the process. </li></ul><ul><li>Bill payment procedure   </li></ul><ul><li>Log on to www.visabillpay.in </li></ul><ul><li>Enter bill and icici bank debit card number, cvv and expiry date details. </li></ul><ul><li>Enter internet banking user id and password to complete the process. </li></ul><ul><li>Click to pay your bills. </li></ul><ul><li>  </li></ul>
    10. 11. Products and Services <ul><li>Electronic Fund transfer </li></ul><ul><li>In Electronic fund transfer mostly we use ATM and Bank’s website. </li></ul><ul><li>Personal Computer banking </li></ul><ul><li>Account summary, Request cheque books, Payment of Utility bills </li></ul><ul><li>Phone Banking </li></ul><ul><li>By using phone you can make payments. </li></ul><ul><li>Person to person payment </li></ul><ul><li>It also known as email money transfer. </li></ul>
    11. 12. Security Controls <ul><li>Appropriate authorization privileges and authentication measure. </li></ul><ul><li>Logical and physical access controls. </li></ul><ul><li>Adequate infrastructure security to maintain appropriate boundaries. Restrictions on both internal and external user activities. </li></ul><ul><li>Data integrity of transactions, records and information. </li></ul><ul><li>Protection and privacy regulations. </li></ul><ul><li>Adequate disclosure </li></ul>
    12. 13. Marketing, Advertising, Brand Building <ul><li>Advertising on popular website </li></ul><ul><li>Print media </li></ul><ul><li>SMS </li></ul><ul><li>Explanatory LCD Screen at branches </li></ul><ul><li>Advertising on television, radio </li></ul><ul><li>Dedicated person at branch to explain the </li></ul><ul><li>online banking system & procedure. </li></ul>
    13. 14. <ul><li>icici bank offer customer support over the Internet. </li></ul><ul><li>Call back option. </li></ul><ul><li>Live chat over the bank website </li></ul><ul><li>Toll free number 24 * 7 * 365 </li></ul>
    14. 16. VISION <ul><li>Tie up with other service providers to give more and more benefit to the banks. </li></ul><ul><li>Online customers e.g. airline bookings & </li></ul><ul><li>Eatining joints full fledged customers service to provide feedback to the banks </li></ul><ul><li>Customers so that the communication gap is minimized approach rural areas with government agency ‘s so that E-commerce could be implicated through the online banking thus bringing positive changes in lifestyle of people </li></ul>
    15. 17.