This document discusses e-banking and the new era of digital banking. It defines e-banking and online banking as conducting financial transactions through a bank's website. It describes the features of e-banking like online bill pay, transferring funds, and using mobile apps. It outlines the forms of e-banking like internet banking, ATMs, debit cards, and e-billing. It discusses the advantages of convenience and 24/7 access but also the disadvantages of security risks, technical difficulties, and some customers preferring human interaction.
Introduction to Banking, Evolution of Banking, History of Banking system, Route map from traditional banking to Modern banking, Modern Banking system and its evolution, Growth of Indian Banking System
out line of this Presentation.
Elaboration of Mobile banking.
What is the Mobile banking.
How to connect with Mobile banking.
Features & Benefits of Mobile banking.
Advantages & Disadvantages of M-banking
Mobile banking in world.
Mobile banking in sri lanka.
Introduction to Banking, Evolution of Banking, History of Banking system, Route map from traditional banking to Modern banking, Modern Banking system and its evolution, Growth of Indian Banking System
out line of this Presentation.
Elaboration of Mobile banking.
What is the Mobile banking.
How to connect with Mobile banking.
Features & Benefits of Mobile banking.
Advantages & Disadvantages of M-banking
Mobile banking in world.
Mobile banking in sri lanka.
E-BANKING EMERGING ISSUES AND OPPORTUNITIESVinit Varma
Innovation in technology, enlarged completion, globalization and changing environments are the crucial aspects that have forced our Banking services to change. With the diminishing cost of computers and digital gadgets like tables and smart phones along with decreasing charges and easy accessibility of internet and Wifi etc would certainly boosted the awareness of technology which resulted into increasing usage of E-banking day by day. Electronic Banking is a beautiful tool to deliver banking services at customers’ convenient place like office, home etc. E-Banking is not just only help in providing quick and efficient services but it also helps in reducing transaction and delivery costs. It improves profitability providing a platform for cross selling and cost effective product information. But there are some challenges in front E-banking like security threads, lack of awareness and knowledge of end users, peoples’ perceptions, user interface, failure of bank transitions, etc. But apart from any barriers, electronic banking is the future of modern banking and this is the stage where e-banking is helping to delineate the role of a bank branch and taking branches away from that transactional banking to become customer service centres but this transformation is not that much simple and it needs a lot of innovative steps, planning and investment. This paper throws light on emerging issues and opportunities of Electronic Banking. Here, an attempt would be made to highlight some issues in E-Banking and its prospects.
Principles and Practices of Banking Module 5ARUNKUMAR7358
Banking Technology
Concept of universal banking
Home banking
ATM’s
Internet banking
Mobile banking
Core banking solutions
Debit, credit and smart cards
Electronic payment system
MICR
Cheque truncation
ECS
EFT
NEFT
RTGS
Books referred - Dr.Nirmala Prasad, K. Chandrasass j (Banking and financial system)& Mithani, Gordan (Banking and financial systems)
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2. Banks
• Traditional banks were THE original banks, the
financial depository institutions first to offer
checkable deposits. ... Traditional banks are the
checking-account-issuing financial intermediaries
that most often come to mind when the term
"bank" is used.
• Modern Bank is a privately-owned commercial
wholesale bank that provides financing
and banking solutions to companies across a
wide variety of industries, and commercial real
estate financing to sponsors.
3. Definitions
• Online banking, also known as internet banking,
e-banking or virtual banking, is an electronic
payment system that enables customers of a
bank or other financial institution to conduct a
range of financial transactions through the
financial institution's website.
• Electronic banking, also known as electronic
funds transfer (EFT), is simply the use of
electronic means to transfer funds directly from
one account to another, rather than by cheque or
cash.
4. Features
• Learn your way around the portal. ...
• Opt out of paper statements. ...
• Use online bill pay. ...
• Apply for lines of credit or loans through the
online portal. ...
• Check for special offers or messages in the portal.
• Transfer money between accounts. ...
• Use a mobile banking application.
6. Forms of E-Banking
• Internet Banking
• Automated Teller Machine (ATM)
• Tele Banking
• Smart Cards
• Debit Cards
• E-Cheque
• E-Billing
7. Advantages of E-Banking
• Very convenient, comfortable, and easy way to do
whatever monetary transaction you wish to do with
your bank
• Provides 24/7 services as the e-bank never closes and
has no cutoff time
• Smart and interactive with auto-solutions and
troubleshooting functionalities.
• Higher interest rate enabled through the cost savings
achieved by digital firm capabilities.
• Speed and easiness of conducting the digital
transactions compared to paper-based dealings with
walk-in customers.
8. Disadvantages of E-Banking
• Poorly delivered e-banking services can be slow & time consuming
• Some identity authentication requirements can be annoying &
overwhelming for clients
• Might require lots of paperwork & procedures for registration &
set-up.
• Can be difficult for clients to get familiarized with the bank’s
website & e-banking channel.
• Frequent changes & adjustments to the bank’s website & delivery
channels.
• Distrust by some clients in some countries with primitive legal
system and unreliable technological infrastructure might face
security & legal challenges
• Some clients still prefer human interaction & personalized
attention.
10. E-Banking Facilities
• A bank customer can perform non-transactional
tasks through online banking, including –Viewing
account balances
– Viewing recent transactions
– Downloading bank statements, for example
in PDF format
– Viewing images of paid cheques
– Ordering cheque books
– Download periodic account statements
– Downloading applications for M-banking, E-banking
etc.
11. E-Banking Facilities
• Bank customers can transact banking tasks
through online banking, including – Funds
transfers between the customer's linked accounts
– Paying third parties, including bill payments and third
party fund transfers
– Investment purchase or sale
– Loan applications and transactions, such as
repayments of enrollments
– Credit card applications
– Register utility billers and make bill payments
12. Key Issues in E-Banking
• Customer Support
• Law
• Security
• Lack of Awareness
• Frequent Changes
• Necessity of the Internet
• Customer Care Services
13. Future of E-Banking
• Electronic banking is the wave of the future. It
provides enormous benefits to consumers in
terms of the ease and cost of transactions. But
it also poses new challenges for country
authorities in regulating and supervising the
financial system and in designing and
implementing macroeconomic policy.
14. Future Aspects
• International/Global Banking
• One Account Banking
• Instant Real Time Gross Settlement (RTGS)
• High-Tech Infrastructure
• Effective and Efficient Customer Care Services
• Online Trading and NSE.IT (Software Vendor)
• High End Security
