E-Banking Ppt

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    21-Nov-2015
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Transcript of E-Banking Ppt

  • E-Banking

  • AgendaTechnology Commencement in BankingProduct Based BankingCustomer Based BankingData WarehouseCRMAlternative Delivery ChannelsBanks Position in the New Economy

  • Technology Commencement in Banking In 70s, banks started to establish centralized data processing centers.Essentially the roles of these data processing centers are:collect the handwritten documents from branches compile the documentsmanual data entry by the operatorsgenerate reports for the bank staff and the central bankexecute some banking transactions

  • Branch AutomationIn 80s, banks started technology investments for the branches.The first step is offline branches.Terminals connected to local branch computer Second step is online branches connected centrally. Most of the transactions started to be performed in the central mainframe.

  • Product Based BankingIn the mid-1980s, banks accepted product based banking and competed with their products.Banks developed new products for their customers.Credit cardCredit deposit account (Super Account)Debit cardsBeside branch, banks brought new channels to give better service to their customers.ATMPOSIVR

  • Plastic CardsThe plastic card usage grown enormously in last 2 decade.Plastic card became the main media for bank customers.Number of credit card in Turkey:

    data collected from BKM

    Sheet: Sheet1

    Sheet: Sheet2

    Sheet: Sheet3

    Credit Card Type

    National Cards

    International Cards

    Total

    Visa

    8244538.0

    MasterCard

    5309846.0

    Other

    50483.0

    total

    1.3604867E7

    Credit Card Type

    National Cards

    International Cards

    Total

    Visa

    8244538.0

    MasterCard

    5309846.0

    Other

    50483.0

    total

    1.3604867E7

  • Plastic CardsNumber of debit card in Turkey:

    data collected from BKM

    Sheet: Sheet1

    Sheet: Sheet2

    Sheet: Sheet3

    Credit Card Type

    National Cards

    International Cards

    Total

    Visa

    8244538.0

    MasterCard

    5309846.0

    Other

    50483.0

    total

    1.3604867E7

    Credit Card Type

    National Cards

    International Cards

    Total

    Visa

    8244538.0

    MasterCard

    5309846.0

    Other

    50483.0

    total

    1.3604867E7

    Debit Card Type

    Debit card

    Electron (Visa)

    6230782.0

    Plus (Visa)

    68304.0

    Electron ve Plus (Visa)

    2881126.0

    Cirrus ve Maestro (MasterCard)

    1.4225245E7

    Private Label card

    6893479.0

    Total

    3.0298936E7

    Trkiye'de Mart 2001 sonu itibar ile;

    Otomatik Vezne Makinas (ATM) says:

    12.174 Adet

    Sat Noktas Terminali (POS) says :

    313.140 Adet

  • ATMIn the mid-1980s, that cash dispensers truly became a worldwide phenomenon. It took 16 years for the first 100,000 cash dispensers to be installed, but only four years more for the next 100,000.Now,ATM became the electronic face of banking for most customers.Beside cash withdrawal, there exist various transaction options from transfer to fund buying/selling.Now there are 12.174 ATM installed in Turkey (Ref: BKM)

  • Point Of SaleNew habits in shoppingIncreased the use of plastic cardsNow there are 313.140 POS installed in Turkey (Ref: BKM)

  • ATM and POS Application ArchitectureCredit Card AuthorizationDebit Card AuthorizationSwitch System

  • IVRInteractive Voice Response (IVR) is a software application that accepts a combination of voice telephone input and touch-tone keypad selection and provides appropriate responses in the form of voiceIVR has come into our life at the beginnings of 90s.First step in Telephone BankingPeak transaction volume in salary payment days for balance inquiryIntegrated with ATM system

  • Customer Based Banking Customer introduction on different systems Difficulty in creating new products Different user interfaces for different environments Product based Customer - Bank relation

    One customer informationfile

    Product factory

    Standard graphical user interface

    Consolidated customer data

    Product BasedCustomer Based

  • Banking Application Architecture

  • Data WarehouseElectronic repositories of summarized historical dataThe main idea behind data warehouse is get all company data working together so users can see more,learn more, and make the organization work betterData Warehouse helps users to identify trends, find answers to business questions and derive meaning from historical and operational data.Data access is easier and less costlyDecision support solutions run faster and are more accurate.

  • Data Warehouse ProcessDesignTransformExtractDeliverTransaction Data ExtractionData Scrubbing and CleansingLoad, index and AggregatePublish and SubscribeData MappingData ReplicationData Histories and SummariesData Access ToolsIntegrated Data Warehouse InfrastructurePartial SolutionsLife CycleComplete Integrated Solution

  • CRMCRM is an integrated sales, marketing and service strategyCRM goals are :Use existing relationships to grow revenueUse integrated information for excellent serviceIntroduce more repeatable sales processes and proceduresCreate new value and loyaltyImplement a more proactive solution strategy

  • The Three Phases of CRM

    Acquire New CustomerRetain Profitable CustomerEnhance The Profitability of Existing Customer

    AdaptibilityListeningNew productsDifferentiationInnovationConvenienceBundlingReduce CostCustomer service

  • Integrated CRM ApplicationsSales Force AutomationIntegrated CRM ApplicationsPartial Functional SolutionsLife CycleComplete Integrated SolutionAcquireEnhanceRetainDirect MarketingCross Sell and Up SellProactive ServiceCustomer Support

  • Alternative Delivery ChannelsAnytime, anywhere bankingTelephone BankingInternet BankingMobile BankingTelevision bankingNext ???

  • Telephone Banking7x24 banking through the phoneMain componentsSwitchIVRCTI(Computer Telephony Integration)Manage each call using the computerPop up the user information while transferring the callAgent Desktop ApplicationWin32,ActiveX, HTMLHost Application

  • Telephone Banking Infrastructure

    TelecomIVRCTIHOST

  • Internet BankingSample Internet Banking Architecture More and more banks are coming to realize that internet is a part of banks' alternative delivery channel strategies activities concentrated in the business-to-consumer segment, focused on retaining clients In Internet banking, security is a primary concern. Security concerns have been addressed from every angle within the architecture of the Internet banking application.

  • Mobile BankingCurrent Mobile Banking Applications:SMS BankingWAP BankingSTK (Sim Toolkit) Banking

  • SMS BankingBasic banking inquiry transactions(balance inquiry, funds, exchange rate inquiry) are performed by the cooperation of bank and the GSM operatorSecurity is the main problemBank SMS GatewayBank SMS DBLeased lineGSM Operator Application ServerGSM Operator SMS DBGSM NetworkBank Host

  • WAP BankingWireless application protocol (WAP) is an application environment and set of communication protocols for wireless devices designed to enable manufacturer-, vendor-, and technology-independent access to the Internet and advanced telephony services. WAP is a global standard and is not controlled by any single companyVarious banking transactions offered in WAP environment by banks.Similar architecture with SMS banking

  • SIM ToolkitSIM card enables to keep and load different applications.SIM Application Toolkit has been agreed as a GSM standardSIM Application Toolkit is independent of phone manufacturers and designs. SIM Application Toolkit allows the flexibility to update the SIM to alter the services and download new services over the airSIM Application Toolkit is designed as a client-server application. On the server side, SimCard platform and the client side, phone that supports the SIM Application Toolkit In the near future, banks will start to offer banking transactions in this platform.

  • Television BankingDigital television (DTV) is the transmission of television signals using digital rather than conventional analog methods. Advantages of DTV over analog TV include: Superior image resolution (detail) for a given bandwidth Smaller bandwidth for a given image resolution Compatibility with computers and the Internet Interactivity Superior audio quality Consistency of reception over varying distances Banks offer their banking transaction in this new environmentT-commerce in the near future.

  • What is the Next channelMicrowave Banking???

  • Channel Costs

  • Channel Integration EvolutionChannel Integration evolutionReuseEfficiencies of ScaleReduction of Redundancies

  • The Role of Banks in the New EconomyInternet and mobile devices have brought new rules to economy and shaped the way to do businessBanks has also evolved according to the new economy and took their places in this new world to add value to their customerThe new ways to do business are :e-commerce (B2C)m-commerceB2B

  • E-commerce - B2CE-commerce is the buying and selling of goods and services on the Internet.Main feature of e-commerce24-hour availability a global reach the ability to interact provide custom information and orderingand 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

  • M-commerceMobile commerce applications involve using a mobile phone to carry out financial transactions- this usually means making a payment for g