E Banking Vinoth

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3/11/12

E BankingGuided By

Mr.D.Rajkumar,MCA.,Asst.Prof.(O.G)

Presented By

P.Vinoth Kumar

II nd MCA

3521020059



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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



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What is E-banking?

Definition:

The provision of banking service throughelectronic channels and the customer canaccess the data without time andgeographical limitation.



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Development of E-

banking

1980s :

Rapid development of the Internet

TCP/IP system (communication system)

E-commerce



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Development of E-

bankingMay 1995 :

Wells Fargo - the first bank in the world to

offer customer access to their accounts over theinternet .

Allows customer to see their accounts online



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DIFFERENT SERVICES PROVIDEDUNDERE-BANKINGONLINE BILL PAYMENT

SHOPPING

TICKET BOOKING

PRE PAID MOBILE RECHARGE

MARKET WATCH

PERSONAL HOME PAGE

INVESTMENT SERVICES

ONLINE APPLICATIONS

PERSONAL UPDADATE



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Advantages of E-bankingv Benefits for Banks

v Benefits for Small to Medium Businesses

v Benefits for Customers



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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



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Benefits for CustomersConvenience

- 24 hours a day, seven days a week

Cost

- Reducing transfer fees

Speed

- Faster circulation of assets



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Disadvantages OF E-banking

ØA need for customer skill to deal with computers and browsers.

E.g. Elderly, Housewives → Inconvenient

ØSite change it will make the customer have some

confusion or delay.

ØSecurity Risk



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Security RiskIncreasing 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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Fraudulent Bank

WebsitesA suspicious bank website:

www.sbionline.com

Original bank websitewww.onlinesbi.com

These website are believed to aim to trick persons into

disclosing their sensitive personal information

http://www.sbionline.com/

http://www.hkbea.com/

http://www.hkbea.com/

http://www.sbionline.com/



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Viruses and Worms-Trojan

Horse ProgramWhen we open

some suspiciouswebsites or email

Trojan Horse Programwill install our computer secretly

Hidden in the computer

When you access bank websites

Capture our account and

the password



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Banking Application

Architecture

Loans&Credits

FX

Import /

Export

Deposit(TD,DD)

F

BS

Sec

urities

PromissoryN

otes

Merchant

Cheques

NBS

EF T

DA

L

BatchOperations

A TMP

OS

Teletel Telerom

Teller(Branch)

Internet

Banking

PhoneBanking

InternetShopping

PCM

Campaign

Management

Credit RiskManag

ement

Productivity

CIF

ProductFactory

Portfolio

Management

INFO

CEN

TER

SalesSupportSy

stem

YK BHR

Payments

CMS

Treasury

RelationshipManagement

D e l i v e r y

S e r v i c e s

Management &

Control

Reporting

I n f o r m a t i o n

D e l i v e r y

Settlement

GL /Accounting

Corporate Tables



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Data Warehouse

Electronic repositories of summarizedhistorical data

The main idea behind data warehouse isget all company data working together sousers can see more,learn more, and makethe organization work better

Data Warehouse helps users to identifytrends, find answers to business questionsand derive meaning from historical and

operational data.



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Next To See

Latest Technology Used In E-Banking

M-Commerce

Internet Banking

Mobile Banking

SMS Banking

WAP Banking

E-Security

Conclusion



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THANK YOU

E Banking Vinoth

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