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  • E Banking Vinoth

    Transféré par

    Ravi Kannan
    46 vues17 pages
    E-banking is the provision of banking service through electronic channels. The customer can access the data without time and geographical limitation. Increasing number of fraudulent bank websites Fake emails purporting to be sent from banks Use of Trojan Horse programs to capture user IDs and passwords.

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    E-banking is the provision of banking service through electronic channels. The customer can access the data without time and geographical limitation. Increasing number of fraudulent bank websites Fake emails purporting to be sent from banks Use of Trojan Horse programs to capture user IDs and passwords.

    Droits d'auteur :

    Attribution Non-Commercial (BY-NC)
    Téléchargez comme PPTX, PDF, TXT ou lisez en ligne sur Scribd
    Signaler comme contenu inapproprié
    46 vues17 pages

    E Banking Vinoth

    Transféré par

    Ravi Kannan
    E-banking is the provision of banking service through electronic channels. The customer can access the data without time and geographical limitation. Increasing number of fraudulent bank websites Fake emails purporting to be sent from banks Use of Trojan Horse programs to capture user IDs and passwords.

    Droits d'auteur :

    Attribution Non-Commercial (BY-NC)
    Téléchargez comme PPTX, PDF, TXT ou lisez en ligne sur Scribd
    Signaler comme contenu inapproprié
    sur 17

    E Banking

    Guided By Mr.D.Rajkumar,MCA.,Asst.Prof.(O.G) Presented By P.Vinoth Kumar II nd MCA 3521020059


    3/11/12

    CONTENT
    What is E-banking? Development of E-banking RBI & E-banking Advantages of the E-Banking Disadvantages and Risk of E-banking Precaution of risk and security Persecutions Banking Application Architecture
    3/11/12

    What is E-banking?
    Definition: The provision of banking service through electronic channels and the customer can access the data without time and geographical limitation.

    3/11/12

    Development of Ebanking
    1980s : Rapid development of the Internet TCP/IP system (communication system) E-commerce

    3/11/12

    May 1995 :

    Development of Ebanking

    Wells Fargo - the first bank in the world to offer customer access to their accounts over the internet .
    Allows customer to see their accounts online

    3/11/12

    DIFFERENT SERVICES PROVIDED UNDER E-BANKING


    ONLINE BILL PAYMENT PERSONAL HOME PAGE TICKET BOOKING ONLINE APPLICATIONS PRE PAID MOBILE RECHARGE PERSONAL UPDADATE MARKET WATCH SHOPPING INVESTMENT SERVICES

    3/11/12

    Advantages of E-banking
    v v v

    Benefits for Banks Benefits for Small to Medium Businesses Benefits for Customers

    3/11/12

    Benefits for Banks


    Larger customer coverage Reducing the costs of operations Promoting their services and products internationally Increasing the customer satisfaction and providing a

    personalized relationship with customers

    3/11/12

    Benefits for Customers


    Convenience - 24 hours a day, seven days a week Cost
    - Reducing transfer fees

    Speed
    - Faster circulation of assets
    3/11/12

    Disadvantages OF E-banking
    A need for customer skill to deal with computers and

    browsers.

    E.g. Elderly, Housewives Inconvenient


    Site change it will make the customer have some

    confusion or delay.

    Security Risk

    3/11/12

    Security Risk
    Increasing number of fraudulent bank websites Fake emails purporting to be sent from banks Use of Trojan Horse programs to capture user IDs and

    passwords

    3/11/12

    Fraudulent Bank Websites


    A suspicious bank website:

    www.sbionline.com www.onlinesbi.com

    Original bank website These website are believed to aim to trick persons into

    disclosing their sensitive personal information

    3/11/12

    Viruses and Worms-Trojan Horse Program


    When we open

    some suspicious websites or email will install our computer secretly

    Trojan Horse Program Hidden in the computer When you access

    bank websites

    Capture our

    account and 3/11/12 the password

    Banking Application Architecture


    Relationship Management
    A T M P O S T el et Tel el ero m Teller (Branch) Internet Banking Phone Banking Internet Shopping C I F De pos it (TD Loans& ,D Credits D) Sales Sy Support st e m F B S N B S C M S Product Factory Sec uriti es E F T Tre asu ry Corporate Tables D A GL / L Accounti Settl ng eme Batch nt Operation s Cam Manag paig ement n Credi Manag t Risk ement Produ ctivity Por Manag tfol ement io Promi N ssory o t Che e que s s Pay men ts F Import / X Export Mer cha nt YK B HR I N F O C E N T E R

    Rep ortin g

    P C M

    3/11/12

    Management & Control

    Information Delivery

    Delivery Services

    Data Warehouse
    Electronic repositories of summarized

    historical data
    The main idea behind data warehouse is

    get all company data working together so users can see more,learn more, and make the organization work better
    Data Warehouse helps users to identify

    3/11/12

    trends, find answers to business questions and derive meaning from historical and operational data.

    Next To See
    Latest Technology Used In E-Banking M-Commerce Internet Banking Mobile Banking SMS Banking WAP Banking E-Security Conclusion
    3/11/12

    THANK YOU

    3/11/12

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