The document discusses the evolution of e-banking and various technologies used in the banking sector. It describes traditional banking services and the emergence of electronic delivery channels like ATMs, debit/credit cards, internet banking, mobile banking, RTGS and NEFT systems. While e-banking provides benefits like convenience, speed and lower costs, security issues remain a challenge. Both banks and customers must take steps to reduce security threats in order to increase popularity of e-banking.

2. Accept deposits
Grant loans
Keeping valuables in safe custody
Limited services
Limited use of technology
Traditional banks

3. E-Banking
Merits & Demerits of E-banking
Popular services covered under E-banking
Focus aspects of Banking sector
Conclusion
References

4.  Delivery of banking services & products directly to
customers using electronic delivery channels
 Earlier E-banking was in the form of ATM and
telephone transactions
 Recently, internet is used for facilitating banking
transactions and offers ANYTIME, ANYWHERE
banking

5. Fast
Flexibility
Convenient
Cash free
Low set up cost
Cost effective
Funds management
Protection of
environment

6. Security
Internet
accessibility
Customer
service
Knowledge
regarding use
of internet

8.  An ATM is an Electronic Fund Transfer
terminal capable of handling balance
enquiries, cash withdrawals, pay bills, etc.
 It is operated by plastic card with its special
features.
 It enables the customer to withdraw money
anytime.
ATM
Debit and Credit cards
 The Debit and Credit cards provide the usage
of bank money wherever and whenever it is
required by the individual.

9.  Banks are adding chips to their current magnetic stripe cards to
enhance security and offer new service
 It can have a monetary balance downloaded to the card which can
then be used like cash for transportation, event admission, etc.
 A Smart Card can be reconfigured for different uses through the
interface machine.
Smart cards
 They are faster
 Take 3-4 days
 They eliminate the need for consumer
education
E- Cheque

11.  Use of the Internet to deliver banking activities such as
funds transfer, paying bills, viewing account balance,
paying mortgages and purchasing financial instruments
 Allows customers to conduct financial transactions on a
secure website operated by their retail or virtual bank
 Any user with a personal computer and a browser can get
connected to his bank -s website to perform any of the
virtual banking functions
Internet/Online Banking

14.  Used for performing balance checks, account transactions,
payments etc. via a mobile phone or PDA
 Performed via SMS or internet through mobile
 Doesn’t allow cash withdrawal and deposits but offers all other
features of ATM
 Enables banks to operate selected banking services over
customer’s mobile
 SMS banking services are operated using push and pull messages
M- Banking
SMS Banking

15.  Money is transferred from one bank to
another on a ‘real time’ and ‘gross basis’
 It is the fastest possible money transfer
system through banking channel
 It is primarily for large volume transactions
Real time gross settlement (RTGS)

16.  Facilitates one-to-one funds transfer individuals can
electronically transfer
 Can transfer funds from any bank branch to any
individual having an account with any other bank branch
in the country participating in the Scheme
 Simple, secure, safe, fastest and cost effective way to
transfer funds
 Facility available through online mode for all internet
banking and mobile banking customers
National Electronic Fund Transfer
system (NEFT)

19.  The approach of identifying, establishing maintaining and
enhancing relationships with the customers
 Places equal emphasis on SALES & SERVICE
 Can increase banks profitability
“Having the right offer for the right client at the right time via the
right channel”

20. CRM
Acquiring new
customers
Retaining
existing ones
Customer
satisfaction
Wallet share
growth

21.  Networking of branches, which enables Customers to
operate their accounts, and avail banking services from any
branch of the Bank on CBS network
 All CBS branches are inter-connected with each other so a
consumer is a bank’s customer and not of any branch
 Various branches use technology to focus on customer
interface and service and to make them comfortable

23. Practice of identifying potential risks in advance, analyzing them and
taking precautionary steps to reduce the risk
Risk management in bank operations includes risk identification,
measurement and assessment
Its objective is to minimize the negative effects risks can have on the
financial result and capital of a bank
A bank is exposed to various kinds of risks in its operations such as
liquidity risk, credit risk, market risks, exposure risks, investment risks etc.

25.  The banking industry has changed drastically over the past decade.
 Internet has created plenty of opportunities for players in the banking sector
 While the new entrants have the advantages of latest technology; the goodwill
of the established banks gives them a special opportunity to lead the online
world
 But increasing security threats is leading to unpopularity of e-Banking
 There are certain efforts which should be made by the banking industry and
also the customers to decrease the possibility of such problems

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