This document discusses different types of banking including direct banking, online banking, and wireless banking. It then focuses on electronic banking (e-banking) and its growth in India since the 1990s. The document provides details about HDFC Bank, one of India's largest private sector banks, including its history, mergers and acquisitions, products and services. It also ranks the top Indian banks by deposits in 2007 and discusses regulations and security issues related to e-banking.

1. We understand your world
Prepared by:
Rahul Mandloi
Aziz Bhatia

2. TYPES OF BANKING…
This is a direct
banking because the
customer get any
services on the spot
This is a online banking
because the customer
get services from many
distance
This is a wireless or
PDA (personal digital
assistance) banking
because in this type no
wire is connected and
customer get services at
any where and when he wants.

3. TYPES OF E-BANKING…
 Internet
Banking
 Electronic Banking
 Mobile Banking

4. Electronic Banking…

E-Banking is combination of two, electronic technology and
banking.

It is a process by which a customer performs banking transactions
electronically without visiting brick and morter institutions.

It is also called online and internet banking.

E-Banking is delivery of banking services to the customer through
the use of electronic communication primarily with the internet.

5. Indian E-Banking scenario…

Opening up of economy in 1991 marked the entry of foreign banks.
They brought new technology with them.

ICICI bank kicked off online banking in 1996.

Cost comes down from $ 1.1. to $ 0.27

6. Products and Services of E-Banking
Products



ATMs
Debit Cards
Credit Cards
Services
RTGS
Bill payment Service
Fund Transfer
Railway Pass
Recharging prepaid
phones
 Shopping
 Online movie tickets
 Mutual fund






7. About HDFC…
Incorporated in the year of 1994 by HDFC Ltd. India's
premier housing finance company.

It
was among the first companies to receive an 'in
principle' approval from the RBI to set up a bank in the
private sector.
The
Bank commenced its operations as a Scheduled
Commercial Bank in January 1995.
Authorized
Its
share capital is 550 crore.
branches are 1725 in india and has a network of 4393
ATM’s across india

8. Mergers & Amalgamations…
2000
Times bank limited merged
with HDFC bank
2008
HDFC acquired Centurian
Bank of Punjab

9. Products & services…

10. INDIAN BANKS RANKED BY DEPOSIT,2007
Sr no.
Name of the bank
1
STATE BANK OF INDIA
2
ICICI BANK
3
CANARA
4
PUNJAB NATIONAL BANK
5
BANK OF BARODA
6
BANK OF INDIA
7
UNION BANK OF INDIA
8
CENTRAL BANK OF INDIA
9
SYNDICATE BANK
10
INDIAN OVERSEAS BANK
11
HDFC
12
UCO
ORIENTAL BANK OF
13
COMMERCE
14
ALLAHABAD BANK
15
AXIX BANK
Deposits (in billion
INR)
4355
2305
1423
1398
1249
1198
851
827
786
687
682
648
639
595
587
Deposits (2012)
10436
2555
3271
3796
3849
3182
2086 (8TH)
2201

11. RBI regulations
Technology
and security issues
Legal issues
Regulatory and supervisory issues.

12. Survey by IAMAI
75% - Debit
cards
65% - Credit
cards
86% - ATM cards
6536- Sample size,2005

14. INDIAN INTERET USER GROWTH

15. Benefits of online banking
Speeded
up responses time
Improved quality of services
Flexibility
Security

16. What Do We Have to Achieve
Authentication
no spoofing
Non-repudiation
no claiming
of user action
Data Integrity
no data alteration
Privacy
no eavesdropping
Authorization

17. Why Security?
Computer-based
businesses
Advances in technology
Internet crimes
September 11th attacks
Cyber-terrorism
Internet banking

18. UNAUTHORISED ACTIVITY INCIDENTS

19. One-way Security
Secure
Socket Layer (SSL)
Safeguarding Online Purchases
Feel secure
Encrypts data between the client and the
server by making a direct connection
Client sends an encrypted key to the
server
Server decrypts and returns to the client

20. SSL lock
Click
the icon, or double-click (varies by
browser), and examine the security
information displayed about the web site.

21. Two-Way Security
Public
Key Infrastructure (PKI)
Insures
privacy for both online company
and online bank customer
Enables
users to securely exchange data
and money through public network

22. THANK YOU