E – Banking System

Table of Contents

1. Current Services

2. Future Services

Internet and mobile devices have brought new rules to economy and shaped the way to do business

Banks has also evolved according to the new economy and took their places in this new world to add value to their customer

The new ways to do business are : e-commerce (B2C) m-commerce B2B

The Role of Banks in the New Economy

E-commerce is the buying and selling of goods and services on the Internet.

Main feature of e-commerce

24-hour availability

a global reach

the ability to interact

provide custom information and ordering

and multimedia prospects,

The Web is rapidly becoming a multibillion dollar source of revenue

for the world's businesses. Banks provide secure payments infrastructure - virtual POS

E-commerce - B2C

Mobile commerce applications involve using a mobile phone to carry out financial transactions- this usually means making a payment for goods or transferring funds electronically.

As content delivery over wireless devices becomes faster, more secure, and scalable, there is wide speculation that m-commerce will surpass wireline e-commerce as the method of choice for digital commerce transactions.

M-commerce

A thousands of companies that sell products to other companies have discovered that the Web provides not only a 24-hour-a-day showcase for their products but a quick way to reach the right people in a company for more information.

In the B2B, the bank role is to provide a reliable payment infrastructure that add value to corporate business

This infrastructure should cover: Bill presentment Bill payment Different payment types(credit card, deposit account, loan) Information after payment

B2B

1. Debit Card Transaction over 1 Link and MNET Members

2. Third Party Funds Transfer

3. Internet Banking for Debit Cards

4. Mobile Banking for Debit Cards

5. Credit Card Transaction over Network

6. Credit Card Bill Payment through ATM/IVR/IB

7. Mobile Banking for Credit Card

8. 1-Link POS

9. IBFT from own ATM

10. Utility Bill Payment with ATM

Current Services

E-Services

1. Utility Bill Payment with Mobile

2. Mobile Companies Top Up

3. IBFT on Internet Banking

4. IBFT from any ATM to any Bank over 1-Link

5. Visa Debit

6. Enabling Master Card over 1-link

7. POS Deployment in Branches

8. Corporate Banking

9. Cash Deposit

10.Cheque Book Dispenser

11.Clearing Cheque Collections

12.School Fee Payment on ATM/IB/VR

13.Mobile Bill Payment

Switch Members

1 LINK Bank AL Habib Limited National Bank Limited United Bank Limited Burj Bank Barclays Sindh Bank Meezan Bank KASHF Dubai Islamic Bank Allied Bank Albarka Islamic Investment. Askari Commercial Bank Bank AL-Falah Limited Faysal Bank Soneri bank Summit Bank Habib Metro Bank

MNET Muslim Commercial Bank KASB CITI bank HSBC Bank of Punjab

Monitoring Tools of E-Banking

PHOENIX

INSIGHT INTERNET BANKING

ELECRONIC JOURNAL

INTEGRATED VOICE RESPONSE

H.S.MH.S.M

Monitoring Tools of E-Banking

INTERNET BANKINGINSIGHT

ELECRONIC JOURNAL

INTEGRATED VOICE RESPONSE

CIRRUS

H.S.M H.S.M

Current Services

Debit Card Transaction over network

BANK

NetworkATM

Debit Card

Third Party Funds Transfer

Current Services

Bank Al Habib

Askari Comm Bank

1-Link

ATM

Current Services

Internet Banking for Debit Cards

Current Services

Mobile Banking for Debit Cards

Current Services

Credit Card Transaction Over NetworkCredit Card Bills Payment Through ATM/IVR/IB

Cred

it C

ard

Bill P

aym

ent

ATM

IVR

Internet Banking

Current Services

Mobile Banking Of Credit Card

Mobile

Current Services

IBFT from own ATM

Bank Al Habib

Askari Comm Bank

1-Link

ATM

Future Services

Utility Bills Payment

Elec

tricity

Bill P

aym

ent

Gas

Bill P

aym

ent

Future Services

Mobile Company Top Up

U-fone

Mobilink

Telenor

Warid Mobile

Card

Purc

hasing

Internet Banking

Inter Bank Funds Transfer

Future Services

Inter Bank Funds Transfer

Future Services

Bank Al Habib

1-Link

ATM

Future Services

1. Visa Debit

2. Master Card

3. POS Deployment

Future Services

1. Cooperate Banking

2. Cash Deposit

3. Cheque Book

4. Clearing Cheque Collection

Future Services

School Fee Payment on

1. ATM

2. Internet Banking

3. IVR

Future Services

Mobile Bills Payment

Mobile

Mob

ile

Bill P

aym

ent

Conclusion

1. ATM Technology

2. Internet Banking and Advancement

3. Tele Banking

4. Customer Services made EASY

5. Bills Payment

0

0.5

1

1.5

2

Web ATM Call Center Branch

Channel Costs