Rural Banking 1

8/7/2019 Rural Banking 1

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THE

21st

CENTURY

BANKING

Submitted by :

Abhishek Sasan

MBA (IT Br.)

500901515


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Engaging in business of keeping money for savings ,

Checking accounts for exchange or

Issuing or withdrawing loans.

An Financial institution licensed by government .


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Use of Sophisticated Information and communication

Technologies with Computer Science to offer better

Services to its Customers in a secured , reliable and

Affordable manner .

Banking technology also subsumes activity of using

Computer newly built algorithms in unraveling the patterns

of customer behavior by flipping in details

If customers , like , transactions .


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Banking

Technology

Constituents of Banking Technology

Information

Technology

Computer

Science

Comm.

Technology

Marketing

science


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Types of banking

Banking

Mobile banking I-banking

M commerce(Mobile

top-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 IITs.

ATM Services

SBI ATM-cum-Debit

Card

SBI Credit Card


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Mobile Banking & its 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 rangingb/w 18-24 i.e., youth


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Online in

future

: rocess

7

Application Host-

VendorsWIRELESS

BCs

mobile

phone

CUST

OMER

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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I-banking


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KIOSK HOST

SBIs

GATEWAY

SBI COREBANKING

SBI

BRANCHES

SBI

BRANCHES

SBI

BRANCHES

PC

INTERNET KIOSK

BC

CUST

OMER

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,bankers cheque & DD etc.,

` A CBS branch is like a Sales & Service Delivery Center.

Back office processes/activities are handled throughtechnology at a site, called Data Center.


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Ez-trade E-tax E-

payment

Amalgation of savings

Demats,online trading

accounts

Provides a securedpossible 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

DematOnline

SME

Loans

No need to pay advance EMI

Operationally any customer can be issued a Loan

at home or office through SBIs I-banking


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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)

CardsAccepted at

SBI ATMs


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ATM BASED-PROCESS (Tech.)

Customer registers

for service

Billdesk aggregates

Registration inform.

Billdesk gives data

for validation

Next bill onwards

Collects data

Bill amount and

Data shown toCustomer on ATM

Customer makes

payment at ATM

Forms available at

SBI branches

ATM locations

Billdesk does all

Checks and

provides data

formats

Billdesk does

reconcilation and

provides payments

PROCESS

SERVICE

PROCESS


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` 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 EASTINITIATIVES IN NORTH EAST

NORTH -EAST

` No. of rural/semi urban branches : 409

` No. of ATMs : 151x Rural : 40

x 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 INDIAS

BEST MARKETED BANKS : August-2009


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Rural Banking 1

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