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IN PAKISTAN BANKING
SECTORPresented by
Kamran Alam
MAF 05093010
University of Lahore
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OUTLINE
• Introd!tion
• Literatre "evie#
• "esear!h Methodolo$y• "esear!h %estions
• Findin$s & Analysis
• 'on!lsion
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Introduction
• Internet ban(in$ system has be!ome )o)lar in
re!ent years* Internet ban(in$ system is very easy
for !stomer to a!!ess his a!!ont+ !he!( his
balan!e and transfer his money #ithin mintes*'rrently the a!!ont holders of a ban( #ant to
easy and ,i!( a!!ess and se!rable #ay to
#ithdra# his money or other ban(in$ )rod!ts*
-nline ban(in$ is one of the best #ay to a!!ess
ban(in$ )rod!ts+ yo !an !he!( yor balan!e+ )ay
yor bills at yor home .st thro$h enter #ith yor
email id on yor res)e!tive ban( #eb )ortal*
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Introduction (Continued…)
• Internet ban(in$ servi!es means the servi!es are
)rovided by a ban( to their !stomers thro$h
internet* /ome eam)les of internet ban(in$
servi!es are as belo#
• Electronic Fund Transfers (EFT)
• Debit Card
• Utility Bills Payment • Credit Card
• Prepaid Smart
• Bank AccountBalance Statement
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LITERATURE REVIEW
• In 1999+ there #as first bsiness in the finan!ial
servi!es indstry )arti!larly in retail and $eneral
ban(in$ that reali2ed the $reat o))ortnities of the
internet and too( initiative to )rovide online servi!es4aer+ 1999* Many #old !laims 67!ommer!e is
brin$in$ reforms in !or)orate se!tor 8 indstries
o#!roft+ :001. ;he !laim )roves tre #hen
internet bro$ht ele!troni! revoltion in ban(in$
se!tor sin!e 1995
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LITERATURE REVIEW(Continued..)
• Internet ban(in$ !overs the ban(in$ servi!es of
fnd transfer+ !redit !ard servi!es+ !ash #ithdra#al
from A;M ma!hine+ !he!(in$ balan!es+ savin$s &
de)osits and bill )ayment 4an(s+ :001* Internetban(in$ )rovide servi!es to their !lients !he!(
ban(in$ transa!tions in )erformin$ bsiness at
offi!e or at home to se any !om)ter that is
!onne!ted thro$h internet and has a hi$h s)eed
bro#ser /herrod+ :000*
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ET!O"OLOG#
• ;he ,alitative and ,antitative both a))roa!hes are
mentioned in my thesis to ma(e more a))ro)riate and
stron$ stdy #or(* %alitative resear!h a))roa!h and
its analysis re,ire ne# resear!h methods to brin$ otthe real reasons for nderstandin$ any a!tivity of the
res)ondent li(e !stomer or anyone* =hile
%antitative resear!h a))roa!h )rovides fa!ts that
!an be stated in nmbers li(e )er!enta$es+ statisti!alvales and ths the !on!lsions #old not ta(e into
!onsideration the )ossible ans#ers to #hy that
in!ldes the real reasons K*A* Matin and A*A* Mir2a+ :00>*
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ET!O"OLOG# (Continued..)
• /e!ondary sor!es are sed for the
!olle!tion of data for instan!e+ from annal
finan!ial re)orts and other )bli!ations of/tate 4an( of Pa(istan+ ne#s)a)er arti!les+
.ornals+ boo(s+ ban(s bro!hres and annal
re)orts of Allied 4an( Limited Pa(istan*
• ;he data I !olle!ted for my resear!h #or(
that is from Allied 4an( Limited in Pa(istan*
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RESEARC! $UESTIONS
• =hy did yo !hoose Allied 4an( Limited?
• =hat is yor o)inion for satisfa!tion re$ardin$
internet ban(in$ servi!es li(e A;M servi!e+ de)osit+
#ithdra#als and statement of a!!ont+ have beenmet?
• o# Allied 4an( is effi!ient in )rovidin$ the servi!es
li(e de)osit+ #ithdra#al+ salary and a!!ont
statement?
• =hat are yor !omments or remar(s re$ardin$ the
)er!enta$e of a!!ra!y for Pre)aration and
Presentation of a!!onts of A4L?
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RESEARC! $UESTIONS(Continued..)
• =hat is yor level of satisfa!tion for monthly
statements re$ardin$ #ithdra#al amont+ loan+
monthly salary )ro!ess and )re)aration of
statement of a!!ont?
• o# m!h time yo s)end in ma(in$ a transa!tion
li(e !ash de)osit and #ithdra#al #ith the online
ban(in$ )rovided by a ban(?• =hat do yo feel that atomated system sed by
the ban( is better+ more effi!ient and fast than the
Manal led$er ban(in$ system?
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RESEARC! $UESTIONS(Continued..)
• o# m!h yo satisfied from the e7ban(in$
system?
• =hat do yo thin( that e7ban(in$ is a reason for
time savin$?
• o# satisfied are yo from the A4L A;M re$ardin$
time savin$?
• @o yo )ro)osed internet ban(in$ system andservi!es to ado)t as for time savin$?
• Any s$$estion to ma(e 67ban(in$ /ystem for more
effi!ient+ a!!rate and ra)id servi!es )rovidin$?
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%IN"INGS & ANAL#SIS
• =hy did yo !hoose Allied 4an( Limited?
4an( Lo!ation ! " Atomated ban(in$ systems ! "
4an( staff )erforman!e ! " 4an( rates ! "
A#e Bank
$ocation
Automated
Bank System
Bank Staff
Performance
Bank %ates
A$e 17:5 1 1> 1 1
A$e :B750 1 C9 0 0
A$e 51 and above 5 :0 3 :
Total & ' *
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%IN"INGS & ANAL#SIS(Continued..)
• =hat is yor o)inion for satisfa!tion re$ardin$
internet ban(in$ servi!es li(e A;M+ =ithdra#als+
@e)osits+ Fnd ;ransfer?
A#e Customers +es ,o
A$e 17:5 :0 19 1
A$e :B750 50 C> 3
A$e 51 and above 30 1B 1C
Total -.. '/ -'
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%IN"INGS & ANAL#SIS(Continued..)
• o# Allied 4an( is effi!ient in )rovidin$ the servi!es
li(e de)osit+ #ithdra#al+ salary and a!!ont
statement?
i$hly effi!ient D E+ 6ffi!ient D E+ ot effi!ient D E
A'e !i'* e+cient E+cient Not
E+cient
A'e ,-/0 5 15 0
A'e /102 12 35 3
A'e 0, 3nd 34o5e 5 23 2
Tot3 // 67 0
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%IN"INGS & ANAL#SIS(Continued..)
• =hat are yor !omments or remar(s re$ardin$ the
)er!enta$e of a!!ra!y for Pre)aration and
Presentation of a!!onts of A4L?
A'e !i'*
3ccur3te
Accur3te In3ccur3te
A'e ,-/0 5 15 0
A'e /10222 28 0
A'e 0, 3nd 34o5e 7 22 1
Tot3 78 10 ,
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%IN"INGS & ANAL#SIS(Continued..)
• =hat is yor level of satisfa!tion for monthly
statements re$ardin$ #ithdra#al amont+ loan+
monthly salary )ro!ess and )re)aration of
statement of a!!ont?A'e !i'*
93ti9:ed
S3ti9:ed Not
S3ti9:ed
A'e ,-/0 0 20 0
A'e /102 8 42 0
A'e 0, 3nd 34o5e 1 29 0
Tot3 ; ;, 2
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%IN"INGS & ANAL#SIS(Continued..)
• o# m!h time yo s)end in ma(in$ a transa!tion
li(e !ash de)osit and #ithdra#al #ith the online
ban(in$ )rovided by a ban(?
A'e Le99 t3n 3<3n our
ore t3n3< 3n our
ore t3none our
A'e ,-/0 9 1 0
A'e /102 25 0 0
A'e 0, 3nd34o5e
13 1 1
Tot3 86 / ,
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%IN"INGS & ANAL#SIS(Continued..)
• =hat do yo feel that atomated system sed by
the ban( is better+ more effi!ient and fast than the
Manal led$er ban(in$ system?
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%IN"INGS & ANAL#SIS(Continued..)
• o# satisfied are yo from the A4L A;M re$ardin$
time savin$?
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%IN"INGS & ANAL#SIS(Continued..)
• @o yo )ro)osed internet ban(in$ system and
servi!es to ado)t as for time savin$?
A'e Cu9to=er
9
#e9 No
A'e ,-/0 20 19 1
A'e /102 50 50 0
A'e 0, 3nd 34o5e 30 27 3
Tot3 ,22 ;1 8
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%IN"INGS & ANAL#SIS(Continued..)
• Any s$$estion to ma(e 67ban(in$ /ystem for more
effi!ient+ a!!rate and ra)id servi!es )rovidin$?
• A lar$e nmber of !stomers did not remar( on the
last ,estion+ in this ,estion !stomers #ereas(ed to $ive the s$$estions to ma(e internet
ban(in$ /ystem more effi!ient+ a!!rate and for fast
servi!es bt only fe# !stomers re)lied #ith
s$$estion for their easy #ay in to the A;M* In
Pa(istan+ mostly A;Ms are installed in front of the
4an( so !stomers have to $o ban( bran!hes in
!ase of any transa!tion to se A;M*
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%IN"INGS & ANAL#SIS(Continued..)
• For the !onvenien!e of !stomers+ ban(s shold
install A;Ms in )bli! )la!es li(e sho))in$ mall+
)bli! )ar(s+ !olle$es & niversities+ et!* It #ill
)rovide hel) to the !stomers to a!!ess A;M easily*
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CONCLUSION
• Altho$h Allied 4an( Limited is offerin$ variety of
Internet ban(in$ servi!es to their !stomers and
leadin$ ban( of Pa(istan in )rovidin$ e7fa!ilities bt
its mar(etin$ is not m!h stron$* @es)ite havin$ over00 online bran!hes and 5>3 A;Ms lo!ation all over
Pa(istan+ fe# )eo)le (no# abot A4L @ire!t Internet
4an(in$ /ervi!es* A4L is offerin$ servi!es Pay
Anyone money transfer servi!e li(e 6asy)aisa+ U4L-mni and #estern nion bt very fe# )eo)le (no#
abot this servi!e* It is e)ensive system+ it needs
)ermanent ele!tri!ity and hi$h internet se!rity*
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$ue9tion9 & An9>er9
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T!ANK #OU