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THE
21st
CENTURY BANKING
Submitted by :Abhishek SasanMBA (IT Br.)500901515
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What is ‘Banking ‘ ?
Engaging in business of keeping money for savings , Checking accounts for exchange orIssuing or withdrawing loans.
An Financial institution licensed by government .
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What is BankingTechnology ?
Use of Sophisticated Information and communication Technologies with Computer Science to offer better Services to it’s Customer’s in a secured , reliable andAffordable manner .
Banking technology also subsumes activity of using Computer newly built algorithms in unraveling the patterns of customer behavior by flipping in detailsIf customers , like , transactions .
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BankingTechnology
Constituents of Banking Technology
InformationTechnology
Computer Science
Comm.Technology
Marketing science
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Types of banking
Banking
Mobile banking I-banking
• M commerce(Mobiletop-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 IIT’s.
ATM Services
• SBI ATM-cum-Debit Card
• SBI Credit Card
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Mobile Banking & it’s 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 ranging b/w 18-24 i.e., youth
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Online in future
Offline file
now
TECHNOLOGY INITIATIVES : Process – MOBILE BASED
7
Application Host- Vendor’s
WIRELESS
BC’s mobil
e phon
e
CUSTOMER
MOBILE PHONE
security checks: Mobile number & Security PIN Low cost entry for all
CURRENT STATUS
SBI Core banking
SBI Gateway
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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
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Internet Banking & it’s pro
I-banking
e-paymente-rail
e-taxez-trade@sbi
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KIOSK HOST
SBI’s GATEWAY
SBI COREBANKING
SBI BRANCHES
SBI BRANCHES
SBI BRANCHES
PC INTERNET KIOSK
BC
CUSTOMER
FINGER
DATA
VALIDATION
Process : PC- KIOSK internet based
internet
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Networking service enhancing the customers convenience
Used to obtain cash payments by cheque, banker’s cheque & DD etc., A CBS branch is like a Sales & Service Delivery
Center. Back office processes/activities are handled through technology at a site, called Data Center.
CBS “BACKBONE”of I-banking
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Ez-trade
E-tax E-payment
• Amalgation of savings Demats,online trading accounts • Provides a secured possible to all online stocks.
• Direct Taxes
• CBEC
• Customs
• State Govt. Taxes
• Indirect Taxes
• Online – pay• Auto - pay
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SBI Online Services
Online Car
loans
Online Educ. Loan
Online Demat
Online SME
Loans
• No need to pay advance EMI
• Operationally any customer can be issued a Loan at home or office through SBI’s I-banking
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SBI at the “Forefront”
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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)
Cards Accepted at
SBI ATMs
SBI ATM cum
Debit Card All debit/credit
Cards
Cards issued
by other
banks
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ATM BASED-PROCESS (Tech.)Customer registers for service
Billdesk aggregatesRegistration inform.Billdesk gives data for validationNext bill onwardsCollects data
Bill amount and Data shown toCustomer on ATM
Customer makes payment at ATM
Forms available at SBI branchesATM locations
Billdesk does all Checks and provides data formats
Billdesk does reconcilation and provides payments
SERVICE PROCESS
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WAY FORWARD : VISION - MARCH 2012
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.
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INITIATIVES IN NORTH EAST
NORTH -EAST
No. of rural/semi urban branches : 409
No. of ATMs : 151 Rural : 40 Semi urban : 111
No. of RTGS enabled branches : 484
Business Facilitators : 76
Cumulative position at end of the quarter (Dec08)
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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 “ INDIA’S BEST MARKETED BANKS : August-2009
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