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1. Improving Ready Cash CardThe process going on:

It's both inconvenient and disadvantageous for customers to settle their FD A/c when they are in need

of ready cash. In such instances "NSB Ready Cash Card" comes in handy for them to obtain Ready Cash

facility from NSB. It is an electronic card issued to customers with an approved credit limit determinedby their FD balances and it enables them to obtain the required amount of cash from any service point

at any time of the day.

Any individual or joint account holders over 18 years of age can obtain a Ready Cash Card and a loan of

up to 90% of the amount lying to the credit of the FD Account offered as security. The maximum limit is

Rs.1 Million.

Suggestions:

NSB is not issuing credit cards. But we suggest improving the Ready Cash card with credit card facilities.

In Sri Lanka its looking little tuff to obtain a credit for the middle class peoples. And they also are being

far from these issues. To bring them on the way NSB can issue credit card for them.

y Anyone one who above 16 years can create a FD account.y The minimum deposit is Rs.20,000y The maturity periods are 3,6, 12, 36 & 60 monthsy NSB will issue a credit card at the same time account createdy Credit limit of the card is 90% of the deposity The credit card may have VISA or Master card facilitiesy Customer can purchase goods & services from the outlets all over the Islandy Customer can pay the spent amount without interest within 50 days.y Lowest interest for the spent amount after 50 days.

ICT solutions:

y Customer can check their balance due through the online.y NSB can sign contract with a higher number of sale outlets all over the Island. And using fast and

reliable network connections make the transactions easily.

y Provide high secure transaction.y Real time processing for every transaction through the card. And also updating the account

information at the same time.

y System will send sms notification or mail notification automatically on every transaction.y Customer can inform to bank through online or call or sms incase of card lost.

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2. Pawning Service - Feel the differentSometime peoples are afraid to bring their jewels out. And also may be they dont have enough time

and transport facility. So we suggesting to NSB to use banking executives in this service.

Suggestions:

y Customer can make an appointment over the phone or through online.y The banking executives will come to place of the customer.y They collect the jewels and provide enough documents.y After they check & confirm with the bank the cash will be deposited in the customers account.y If the customer doesnt have an account NSB will create a new serving account for them.y Customer can pay the interest through the online or by making an order.

ICT solutions:

y Customer can make an appointment through online or over the phone to the head office of NSB.The system finds the nearest branch and inform to the branch. The branch officers will confirm

the appointment and pass the message to the head office through the network. Then the head

office will send the details of appointment to the customer.

y Fastest and reliable network connection will make the process efficiently. And thecollaborative system will make the data transfer efficiently.

y After the cash deposited system will inform the customer through the email or sms notification.y Banking executives will use PDAs to connect with the system from the customers place.y

Customer can check the status of the process through the online.

3. Housing Loan - At one deskWhen we walk through the housing loan section well find there too much of desks the customer has to

pass. And it look little complex in the customer point of view. To make the customer feel good, well

suggest to the NSB to serve the customer at one desk.

ICT solutions:

y Build an effective intranet connection within the section of housing loans.y Build an effective limited connection with other sections which collaborate with housing loans

section.

y The every desk will have a computer.y The officer can connect with other officers for more information through the system.y The customer no needs to move all the desks.y The system also connected with all the housing loan sections in all the branches.

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The housing loan process will take some weeks to complete. And also its containing lot of small process.

And lots of peoples are interacting with this process. Its make the customer to visit the NSB many times.

And customer doesnt know the status of his loan clearly.

ICT solutions:

y After customer came to NSB and apply for the loan, if he successfully completed the 1st stage ofthe process NSB will provide login facility for the customer.

y The customer can create an user account on the NSB website and look the status of his loanprocess.

y Every day the system must update the status through batch processing.y If any documents needed or if the NSB want more clarification NSB will inform to the customer

through e-mail or sms notifications.

y And customer can able to provide sufficient documents through e-mail or through the useraccount.

y If any additional payment, like stamp duty, customer able to make the payment through theonline using credit cards or making an order using his/her serving accounts.

y Customer can make appointment with the NSB to visit for more information & clarificationsthrough the online.

y The system will collaborate with all the peoples and departments which are interacting with thehousing loan process.

NSB need to conduct training sessions for the customers and other peoples who interacting with this

process to make the system successful.

4. Introduce Home to Home BankingIf we think about todays banking operations they are very commercial. So when we look at NSB

operations they are stay in a place. So they try to introduce a new way home to home banking

system which means the bank agent goes to customers home or work place and provide the

banking services.

Its very suitable way for attract the people for NSB. In these days people have lot of work so

they dont like to waste their time stand on queue. This way will help to introduce more about

who doesnt aware about NSB.

Suggestions

y Customer makes a request through phone to Bank.y The bank agents will come to customer place and give banking services.y The agents do the services via online with the bank.y The agent can introduce new schemes that bank has introduced.

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