Date post: | 09-Apr-2018 |
Category: |
Documents |
Upload: | sairam-raju |
View: | 229 times |
Download: | 0 times |
of 20
8/7/2019 Rural Banking 1
1/20
THE
21st
CENTURY
BANKING
Submitted by :
Abhishek Sasan
MBA (IT Br.)
500901515
8/7/2019 Rural Banking 1
2/20
Engaging in business of keeping money for savings ,
Checking accounts for exchange or
Issuing or withdrawing loans.
An Financial institution licensed by government .
8/7/2019 Rural Banking 1
3/20
Use of Sophisticated Information and communication
Technologies with Computer Science to offer better
Services to its Customers in a secured , reliable and
Affordable manner .
Banking technology also subsumes activity of using
Computer newly built algorithms in unraveling the patterns
of customer behavior by flipping in details
If customers , like , transactions .
8/7/2019 Rural Banking 1
4/20
Banking
Technology
Constituents of Banking Technology
Information
Technology
Computer
Science
Comm.
Technology
Marketing
science
8/7/2019 Rural Banking 1
5/20
Types of banking
Banking
Mobile banking I-banking
M commerce(Mobile
top-up , SBI LIP) Enquiry services
Request services
Transferring funds
(Using NEFT)
Online Air Ticketing Utility bill payments
Online share trading
Fee payments to insti
-tutes such as IITs.
ATM Services
SBI ATM-cum-Debit
Card
SBI Credit Card
8/7/2019 Rural Banking 1
6/20
Mobile Banking & its Pro
Available on java enabled handsets
Also available on SMS / GPRS / WAP
on non-java handsets with GPRS
connection
SBI came up with a conclusion 79%
customers do not transact through
M-banking
SBI again Renovated this conclusion
21% customers transacting through
M-banking , customers age rangingb/w 18-24 i.e., youth
8/7/2019 Rural Banking 1
7/20
Online in
future
: rocess
7
Application Host-
VendorsWIRELESS
BCs
mobile
phone
CUST
OMER
MOBILE
PHONE
security checks: Mobile
number & Security PIN
Low cost entry for all
CURRENT STATUS
SBI
Core banking
SBI
Gateway
8/7/2019 Rural Banking 1
8/20
I-banking
Request for opening new account
closing a/c , issuing cheque book
Inter Bank Transfers
Credit PPF a/c across Branches
Online purchases
ez-trade@sbi
Online applications for IPO
8/7/2019 Rural Banking 1
9/20
I-banking
8/7/2019 Rural Banking 1
10/20
KIOSK HOST
SBIs
GATEWAY
SBI COREBANKING
SBI
BRANCHES
SBI
BRANCHES
SBI
BRANCHES
PC
INTERNET KIOSK
BC
CUST
OMER
FINGER
DATA
VALIDATION
Process : PC- KIOSK internet based
internet
8/7/2019 Rural Banking 1
11/20
` Networking service enhancing the customers
convenience
` Used to obtain cash payments by cheque,bankers cheque & DD etc.,
` A CBS branch is like a Sales & Service Delivery Center.
Back office processes/activities are handled throughtechnology at a site, called Data Center.
8/7/2019 Rural Banking 1
12/20
Ez-trade E-tax E-
payment
Amalgation of savings
Demats,online trading
accounts
Provides a securedpossible to all online
stocks.
Direct Taxes
CBEC
Customs
State Govt.
Taxes
Indirect Taxes
Online pay
Auto - pay
8/7/2019 Rural Banking 1
13/20
SBI Online Services
Online
Car loans
Online
Educ.
Loan
Online
DematOnline
SME
Loans
No need to pay advance EMI
Operationally any customer can be issued a Loan
at home or office through SBIs I-banking
8/7/2019 Rural Banking 1
14/20
8/7/2019 Rural Banking 1
15/20
ATM Services
With over 12,000 ATMs in India , SBI provides the largest network
and is continuing to expand fast
Includes ATMs of associate banks( namely : - SBP , SBS , SBB , SBM)
CardsAccepted at
SBI ATMs
8/7/2019 Rural Banking 1
16/20
ATM BASED-PROCESS (Tech.)
Customer registers
for service
Billdesk aggregates
Registration inform.
Billdesk gives data
for validation
Next bill onwards
Collects data
Bill amount and
Data shown toCustomer on ATM
Customer makes
payment at ATM
Forms available at
SBI branches
ATM locations
Billdesk does all
Checks and
provides data
formats
Billdesk does
reconcilation and
provides payments
PROCESS
SERVICE
PROCESS
8/7/2019 Rural Banking 1
17/20
` No. of unbanked villages to be covered : 1 lakh
` No. of rural branches to go up to 10,000
` No. of ATMs in rural areas to go up to 6,000
` Focussed shift towards mobile banking,
internet banking & kiosk banking platforms.
8/7/2019 Rural Banking 1
18/20
INITIATIVES IN NORTH EASTINITIATIVES IN NORTH EAST
NORTH -EAST
` No. of rural/semi urban branches : 409
` No. of ATMs : 151x Rural : 40
x Semi urban : 111
` No. of RTGS enabled branches : 484
` Business Facilitators : 76
Cumulative position at end
of the quarter (Dec08)
8/7/2019 Rural Banking 1
19/20
LATEST ANNOUCEMENT NEWS
SBI has been adjudged as the Best Bank 2009 by Business India
Group( AUG 09 )
SBI ranked as No. 1 in the 4P B & M & ICMR Survey on INDIAS
BEST MARKETED BANKS : August-2009
8/7/2019 Rural Banking 1
20/20