Unit 2 "Indian Banking and Financial System" - Sandeep Sharma
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PPT on "E Banking & Mobile Banking" for BBA & B.Com 1st year students, CA, CPT, CS & CMA Foundation. Indian Banking PPT by Sandeep Sharma. Meaning with suitable example & explanation.
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This document discusses various technologies used in banking. It describes Inter Bank Mobile Payment System (IMPS) and how it allows customers to transfer funds between banks via mobile devices. It also discusses online banking, use of analytics for segmentation and understanding customer preferences, convergence of storage and computing infrastructure, mobile banking, electronic bill payment, electronic fund transfer, electronic cheques, Real Time Gross Settlement (RTGS) system, and Automatic Teller Machines (ATMs). The benefits of these technologies for customers, banks and employees are reduced costs, immediate access to accounts and transactions, increased productivity and efficiency. The challenges are costs of implementation, risk of technology failures, penetrating rural areas and upgrading workforce skills.
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Banking law emerging trends
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Phase I from 1786 to 1969 saw slow growth and periodic bank failures. Phase II from 1969 to 1991 included nationalization of banks and reforms. Phase III from 1991 onward introduced many new banking products and facilities as part of liberalization reforms. Technological developments like ATMs, internet banking, and real-time payment systems have modernized the system but full implementation remains a work in progress, especially in rural areas, due to infrastructure challenges. Innovation in areas like biometric authentication, mobile payments, and virtual banking promise further advances.
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Digital payment system
The document discusses digital payment systems and their security requirements. It outlines different digital payment models including prepaid cash-like systems and pay-now versus pay-later systems. The key security requirements for digital payments are integrity, privacy, and confidentiality. Both online and offline payment systems are discussed and compared, with the conclusion being that online payment systems provide advantages in terms of speed and accessibility. Secure digital payment technology already exists but must ensure security for all parties.
Payment systems
The document discusses India's payment systems. It outlines the key regulatory bodies that oversee payment systems in India. It then describes various paper-based and electronic payment methods in India such as cheques, NEFT, RTGS, IMPS, and prepaid payment systems. It also discusses the settlement system operator Clearing Corporation of India and features of the Cheque Truncation System. The document provides details on processing times, charges and limits for different payment methods in India. It concludes by noting some limitations of India's payment systems including the lack of standardized account numbering across banks.
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The document outlines a digital payment awareness campaign with the objectives of enrolling 25 lakh merchants and 1 crore citizens across India's 250,000 panchayats. It discusses promoting digital payments through common service centers and various stakeholders. The benefits of a cashless economy are described, along with an implementation roadmap including training programs and support cells. Various digital payment methods like UPI, IMPS, wallets, and Aadhaar payments are explained in detail.
Cashless economy
The document discusses the benefits and challenges of moving to a cashless economy in India. It notes that demonetization in India helped reduce black money held in cash form, but some black money is still kept in gold, real estate, and cash. A cashless economy would involve all electronic payments instead of cash or checks. This could help reduce illegal activities that use cash but may also raise security and privacy concerns. The document outlines various electronic payment methods like e-wallets, debit/credit cards, digital currencies, and their benefits and risks in a cashless system.
Tech developments in banking sector
Technological developments in the banking sector include e-banking, core banking, mobile banking, and automated teller machines (ATMs). E-banking allows customers to bank electronically using internet and mobile devices. Core banking integrates banking services across branches on a single platform. Mobile banking provides banking services via mobile phones while ATMs allow customers to access basic banking services without human assistance. These technologies have improved customer convenience but also introduce some risks regarding system failures and cybercrime.
Mobile banking
Mobile banking and tele-banking allow customers to conduct financial transactions remotely using mobile devices or over the telephone. Mobile banking services include checking balances, transferring funds between accounts, and paying bills. It works through SMS messaging, mobile web, or dedicated applications. Tele-banking enables financial transactions like obtaining account information and transferring funds over the phone without visiting a branch. Both provide convenience but come with security risks if devices or login credentials are compromised.
Steering india to a cashless economy
This document discusses India's progress towards becoming a cashless economy and the opportunities and barriers to achieving this. Some key points:
- 95% of India's transactions are currently done with cash, but mobile payments and government digital ID systems like Aadhaar are helping enable financial inclusion and cashless payments.
- Surveys find merchants and retailers are investing heavily in digital payments over the next 2 years to transition away from cash.
- Barriers include tax evasion opportunities that keep cash popular, most wage earners receiving cash, and lack of interoperability between payment systems.
- Catalysts could be disincentives for tax evasion, expanding UPI and other digital payment options
Alternative channels of banking
Alternative banking, as the name suggest, is the NEWER METHOD OF CARRYING ON BANKING OPERATIONS
It includes
1. ATM (AUTOMATIC TELLER MACHINE)
2. POS TERMINAL
3. INTERNET BANKING
4. MOBILE BANKING
5. NEFT
6. RTGS
7. ECS
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The document summarizes the evolution of payment systems in India from barter systems to modern digital payments. It traces the progression from barter exchange, to cash payments, cheque payments, online payments, and mobile payment applications. Each system is defined and the key advantages and disadvantages are outlined. The core information provided is the historical evolution of payment methods in India and an overview of the main systems with their benefits and drawbacks.
Presentation1 on eps
The document proposes an electronic payment system submitted by 6 people including Pooja Singh and Anuj Aggarwal. It discusses the journey of payments from paper-based instruments to electronic instruments like mobile banking, ATM, and online transactions. The document also outlines trends that will transform payments in India over the next 5 years such as technology making digital payments simpler, merchant acceptance networks growing 10 times by 2020, and payments driving consumption rather than the other way around.
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This presentations is all about the different modes of cashless transactions and a small step to promote digital India and digitization in India.
Sources:- NPCI
Axis Bank
SBI
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As more and more transactions go digital, or plastic so to say, we look towards the future with a model that does away with currency notes and coins altogether and yet keeps alive the essential principle that money serves, without attaching any tangibility to it.
E banking Services
Electronic banking (e-banking) allows customers to access bank accounts and conduct transactions through electronic and telecommunications networks using computers and mobile phones. The document discusses various e-banking tools like core banking, electronic funds transfer (EFT), real-time gross settlement (RTGS), immediate payment service (IMPS), and Society for Worldwide Interbank Financial Telecommunications (SWIFT). It also covers electronic clearing service (ECS), debit cards, credit cards, smart cards, automated teller machines (ATMs), and electronic cheques.
E banking
The document discusses the emergence and growth of e-banking as a result of technological advancements like the internet and information technology. It defines e-banking as the automated delivery of traditional banking products and services through electronic channels. Some key points:
- E-banking allows customers to access accounts, conduct transactions, and obtain banking information online through internet banking, mobile banking, ATMs, etc.
- Early forms of e-banking included electronic funds transfer networks and clearing houses in the UK in the 1970s and 1980s.
- E-banking offers advantages like convenience, low costs, 24/7 access, and better customer service compared to traditional banking.
- Types of
E banking
This document discusses e-banking in India. It outlines the evolution of e-banking in India from advanced ledger posting machines to internet banking being introduced by ICICI Bank, CITI Bank, and HDFC Bank in 1999. The document also lists and provides brief descriptions of various e-based banking products and services available in India, including ATMs, credit cards, debit cards, smart cards, mobile banking, internet banking, virtual banking, core banking, SWIFT, SPNS, INFENET, CFMS, EFT, RTGS, doorstep banking, and electronic purses.
E banking
This document provides an overview of electronic banking, including its introduction, advantages, disadvantages and types. Electronic banking allows funds to be transferred electronically rather than through cash or checks. It was first conceptualized in the 1970s and introduced in some banks in 1985. Common types of electronic banking include automated teller machines (ATMs), internet banking, mobile banking, and electronic funds transfer. ATMs allow customers to access cash 24/7 using debit or credit cards. Internet and mobile banking provide banking services via websites and apps. Electronic funds transfer enables electronic money transfers between bank accounts in real-time.
Banking law & and operation
The document summarizes various banking innovations including new technologies like e-banking, debit/credit cards, internet banking, ATMs, and electronic fund transfers. It discusses these innovations and how they have modernized banking by allowing customers to perform transactions remotely without visiting a branch in person. Traditional banking is compared to e-banking and various electronic delivery channels like ATMs, smart cards, telephone banking, and internet banking are explained.
Erp in banking
The banking sector in India has undergone rapid transformation in recent decades. With the entry of private players and new technologies like ATMs, internet banking, and mobile banking, consumers now have many convenient options beyond traditional branch banking. Looking ahead, the Reserve Bank of India plans to introduce new payment systems like a domestic debit/credit card network and a real-time 24/7 funds transfer system to modernize banking infrastructure and increase financial inclusion. Future banking is expected to be defined by greater technological innovation and the development of India's own domestic payment systems.
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WHAT IS E-BANKING?
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APPROACHES OF E-BANKING
FUNCTION OF E-BANKING SERVICES
THREATS OF E-BANKING SERVICES
PREVENTION OF THREATS
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The document discusses various types of banking technology including mobile banking, telephone banking, internet banking, universal banking, home/office banking, electronic banking, automated teller machines (ATMs), white label ATMs, and cash deposit machines. Mobile banking allows banking on mobile phones, telephone banking uses automated voice systems, internet banking enables online banking, and universal banks offer diverse investment and banking services. Electronic banking refers to online transactions without a physical bank link. ATMs and white label ATMs (run by non-banks) allow account access via cards while cash deposit machines permit cash deposits without visiting a branch.
Digital payment system
The document discusses digital payment systems and their security requirements. It outlines different digital payment models including prepaid cash-like systems and pay-now versus pay-later systems. The key security requirements for digital payments are integrity, privacy, and confidentiality. Both online and offline payment systems are discussed and compared, with the conclusion being that online payment systems provide advantages in terms of speed and accessibility. Secure digital payment technology already exists but must ensure security for all parties.
Payment systems
The document discusses India's payment systems. It outlines the key regulatory bodies that oversee payment systems in India. It then describes various paper-based and electronic payment methods in India such as cheques, NEFT, RTGS, IMPS, and prepaid payment systems. It also discusses the settlement system operator Clearing Corporation of India and features of the Cheque Truncation System. The document provides details on processing times, charges and limits for different payment methods in India. It concludes by noting some limitations of India's payment systems including the lack of standardized account numbering across banks.
Digital Payment Campaign
The document outlines a digital payment awareness campaign with the objectives of enrolling 25 lakh merchants and 1 crore citizens across India's 250,000 panchayats. It discusses promoting digital payments through common service centers and various stakeholders. The benefits of a cashless economy are described, along with an implementation roadmap including training programs and support cells. Various digital payment methods like UPI, IMPS, wallets, and Aadhaar payments are explained in detail.
Cashless economy
The document discusses the benefits and challenges of moving to a cashless economy in India. It notes that demonetization in India helped reduce black money held in cash form, but some black money is still kept in gold, real estate, and cash. A cashless economy would involve all electronic payments instead of cash or checks. This could help reduce illegal activities that use cash but may also raise security and privacy concerns. The document outlines various electronic payment methods like e-wallets, debit/credit cards, digital currencies, and their benefits and risks in a cashless system.
Tech developments in banking sector
Technological developments in the banking sector include e-banking, core banking, mobile banking, and automated teller machines (ATMs). E-banking allows customers to bank electronically using internet and mobile devices. Core banking integrates banking services across branches on a single platform. Mobile banking provides banking services via mobile phones while ATMs allow customers to access basic banking services without human assistance. These technologies have improved customer convenience but also introduce some risks regarding system failures and cybercrime.
Mobile banking
Mobile banking and tele-banking allow customers to conduct financial transactions remotely using mobile devices or over the telephone. Mobile banking services include checking balances, transferring funds between accounts, and paying bills. It works through SMS messaging, mobile web, or dedicated applications. Tele-banking enables financial transactions like obtaining account information and transferring funds over the phone without visiting a branch. Both provide convenience but come with security risks if devices or login credentials are compromised.
Steering india to a cashless economy
This document discusses India's progress towards becoming a cashless economy and the opportunities and barriers to achieving this. Some key points:
- 95% of India's transactions are currently done with cash, but mobile payments and government digital ID systems like Aadhaar are helping enable financial inclusion and cashless payments.
- Surveys find merchants and retailers are investing heavily in digital payments over the next 2 years to transition away from cash.
- Barriers include tax evasion opportunities that keep cash popular, most wage earners receiving cash, and lack of interoperability between payment systems.
- Catalysts could be disincentives for tax evasion, expanding UPI and other digital payment options
Alternative channels of banking
Alternative banking, as the name suggest, is the NEWER METHOD OF CARRYING ON BANKING OPERATIONS
It includes
1. ATM (AUTOMATIC TELLER MACHINE)
2. POS TERMINAL
3. INTERNET BANKING
4. MOBILE BANKING
5. NEFT
6. RTGS
7. ECS
Go Cashless With Digital Transactions
Going cashless with digital transactions is talk of each town in India. To educate common people and business owners of India, we organised a free webinar in which audience communicated with the domain experts.
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The document summarizes the evolution of payment systems in India from barter systems to modern digital payments. It traces the progression from barter exchange, to cash payments, cheque payments, online payments, and mobile payment applications. Each system is defined and the key advantages and disadvantages are outlined. The core information provided is the historical evolution of payment methods in India and an overview of the main systems with their benefits and drawbacks.
Presentation1 on eps
The document proposes an electronic payment system submitted by 6 people including Pooja Singh and Anuj Aggarwal. It discusses the journey of payments from paper-based instruments to electronic instruments like mobile banking, ATM, and online transactions. The document also outlines trends that will transform payments in India over the next 5 years such as technology making digital payments simpler, merchant acceptance networks growing 10 times by 2020, and payments driving consumption rather than the other way around.
Modes of Cashless Transactions - Cash-less Indian Economy
This presentations is all about the different modes of cashless transactions and a small step to promote digital India and digitization in India.
Sources:- NPCI
Axis Bank
SBI
RBI
A Cashless Society
As more and more transactions go digital, or plastic so to say, we look towards the future with a model that does away with currency notes and coins altogether and yet keeps alive the essential principle that money serves, without attaching any tangibility to it.
E banking Services
Electronic banking (e-banking) allows customers to access bank accounts and conduct transactions through electronic and telecommunications networks using computers and mobile phones. The document discusses various e-banking tools like core banking, electronic funds transfer (EFT), real-time gross settlement (RTGS), immediate payment service (IMPS), and Society for Worldwide Interbank Financial Telecommunications (SWIFT). It also covers electronic clearing service (ECS), debit cards, credit cards, smart cards, automated teller machines (ATMs), and electronic cheques.
E banking
The document discusses the emergence and growth of e-banking as a result of technological advancements like the internet and information technology. It defines e-banking as the automated delivery of traditional banking products and services through electronic channels. Some key points:
- E-banking allows customers to access accounts, conduct transactions, and obtain banking information online through internet banking, mobile banking, ATMs, etc.
- Early forms of e-banking included electronic funds transfer networks and clearing houses in the UK in the 1970s and 1980s.
- E-banking offers advantages like convenience, low costs, 24/7 access, and better customer service compared to traditional banking.
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This document discusses e-banking in India. It outlines the evolution of e-banking in India from advanced ledger posting machines to internet banking being introduced by ICICI Bank, CITI Bank, and HDFC Bank in 1999. The document also lists and provides brief descriptions of various e-based banking products and services available in India, including ATMs, credit cards, debit cards, smart cards, mobile banking, internet banking, virtual banking, core banking, SWIFT, SPNS, INFENET, CFMS, EFT, RTGS, doorstep banking, and electronic purses.
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This document provides an overview of electronic banking, including its introduction, advantages, disadvantages and types. Electronic banking allows funds to be transferred electronically rather than through cash or checks. It was first conceptualized in the 1970s and introduced in some banks in 1985. Common types of electronic banking include automated teller machines (ATMs), internet banking, mobile banking, and electronic funds transfer. ATMs allow customers to access cash 24/7 using debit or credit cards. Internet and mobile banking provide banking services via websites and apps. Electronic funds transfer enables electronic money transfers between bank accounts in real-time.
Banking law & and operation
The document summarizes various banking innovations including new technologies like e-banking, debit/credit cards, internet banking, ATMs, and electronic fund transfers. It discusses these innovations and how they have modernized banking by allowing customers to perform transactions remotely without visiting a branch in person. Traditional banking is compared to e-banking and various electronic delivery channels like ATMs, smart cards, telephone banking, and internet banking are explained.
Erp in banking
The banking sector in India has undergone rapid transformation in recent decades. With the entry of private players and new technologies like ATMs, internet banking, and mobile banking, consumers now have many convenient options beyond traditional branch banking. Looking ahead, the Reserve Bank of India plans to introduce new payment systems like a domestic debit/credit card network and a real-time 24/7 funds transfer system to modernize banking infrastructure and increase financial inclusion. Future banking is expected to be defined by greater technological innovation and the development of India's own domestic payment systems.
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NET BANKING
Net banking
Net banking meaning
How to use net banking
NEFT
RTGS
IMPS
Features of net banking
Advantages of net banking.
Internet Banking
Internet banking allows customers to conduct banking transactions over the Internet. ICICI Bank was the first bank in India to offer Internet banking through their "Infinity" service. Infinity allows customers to check balances, view statements, transfer funds between accounts, pay bills online, and more. It provides convenience as customers can bank anytime from anywhere through a secure login using their user ID and password. As more people adopt online banking, banks expect the percentage of customers using Internet banking to increase significantly in the coming years. ICICI Bank's architecture for Internet banking involves clients connecting to access points secured by PIN codes and passwords, with servers processing transactions over switched networks and gateways.
Electronic and mobile banking
This document discusses electronic and mobile banking. It provides an overview of how electronic banking allows customers to access banking services through electronic channels without time or geographic limitations. Mobile banking allows customers to perform banking transactions through a mobile device like checking balances and transferring funds. The document then outlines the evolution of electronic and mobile banking from early online services in the 1980s to modern services. It discusses the advantages for banks, businesses, and customers in using these services and some potential disadvantages like security and fraud risks. Finally, the document discusses regulations and adoption of these services in India.
E banking
Electronic banking, or e-banking, describes transactions that take place between companies, organizations, individuals, and their banking institutions using electronic communication channels. While some banks offered early forms of e-banking in the 1980s, growth was slow due to lack of interested users and high costs. However, the rise of the internet in the late 1990s made people more comfortable conducting transactions online, helping e-banking to expand.
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NPCI was established in 2008 to modernize and promote digital payments in India. It works to foster financial inclusion and innovation through various payment systems like UPI, IMPS, and RuPay cards. NPCI helps ensure payments are safe, efficient, and accessible for individuals, businesses and the government.
Banking technology
This document discusses various technologies used in banking. It describes Inter Bank Mobile Payment System (IMPS) and how it allows customers to transfer funds between banks via mobile devices. It also discusses online banking, use of analytics for segmentation and understanding customer preferences, convergence of storage and computing infrastructure, mobile banking, electronic bill payment, electronic fund transfer, electronic cheques, Real Time Gross Settlement (RTGS) system, and Automatic Teller Machines (ATMs). The benefits of these technologies for customers, banks and employees are reduced costs, immediate access to accounts and transactions, increased productivity and efficiency. The challenges are costs of implementation, risk of technology failures, penetrating rural areas and upgrading workforce skills.
Chapter 4 payment systems in e-commerce
Credit cards are dominant form of online payment, accounting for around 80% of
online payments in 2005
-New forms of electronic payment include:
3-1
3-2
3-3
3-4
3-5
3-6
Digital
Digital
Online
Digital
Digital
Digital
Wallet
cash
stored value systems
accumulating balance payment systems
credit accounts
checking
E banking, internet banking and all services
Computers are widely used in banks to help staff operate more efficiently and effectively. They track transactions, process customer information, and allow banks to offer good customer service daily. Key computer applications used in banks include automated teller machines (ATMs), cash deposit machines, mobile banking, internet banking, and core banking systems. These applications provide customers with convenient access to their accounts and allow banks to save time and costs.
Service Management Digital Services
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It was a great year with you all, & now i really miss you.
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Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.一比一原版(UoB毕业证)伯明翰大学毕业证如何办理
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Unit 2 "Indian Banking and Financial System" - Sandeep Sharma
- 3. INNOVATIVE BANKING Types of Innovative Banking:- E banking Mobile banking Internet/Online banking
- 4. INNOVATIVE BANKING E banking • INTERNET BANKING • AUTOMATEDTELLER MACHINES (ATM) • TELE BANKING • SMART CARD • DEBIT / CREDIT CARD • E-CHEQUE
- 5. Mobile banking the act of sending, receiving, or managing money using a mobile phone. It refers to the use of a smartphone or other cellular device to perform online banking tasks while away from your home computer, such as:- Monitoring account balances, Transferring funds between accounts, Bill payment and Locating an ATM.
- 6. Net banking Methods/Evolution of Net Banking
- 7. November 2005 • 12 settlements on week days (Mon - Fri) . • 6 settlements on Saturdays. National Electronic FundTransfer (NEFT)
- 8. ’Electronic FundsTransfer’ end of year 2005 continuous (Real-time) Gross Settlement 2 lakhs RealTime Gross Settlement (RTGS)
- 9. ’Electronic FundsTransfer’ (NPCI) Reserve Bank of India. November 22, 2010. 24/7 Mobile, Internet and ATM Safe Immediate Payment System (IMPS)
- 10. April 11, 2016. Unified Payments Interface (UPI)
- 13. Payment Gateways
- 14. Some other new facilities Wireless Application Protocol Door Step Banking Tourist banking All day’s banking