e-banking
TRANSCRIPT
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E – Banking System
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Table of Contents
1. Current Services
2. Future Services
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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
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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
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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
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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
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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
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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
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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
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Monitoring Tools of E-Banking
PHOENIX
INSIGHT INTERNET BANKING
ELECRONIC JOURNAL
INTEGRATED VOICE RESPONSE
H.S.MH.S.M
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Monitoring Tools of E-Banking
INTERNET BANKINGINSIGHT
ELECRONIC JOURNAL
INTEGRATED VOICE RESPONSE
CIRRUS
H.S.M H.S.M
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Current Services
Debit Card Transaction over network
BANK
NetworkATM
Debit Card
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Third Party Funds Transfer
Current Services
Bank Al Habib
Askari Comm Bank
1-Link
ATM
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Current Services
Internet Banking for Debit Cards
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Current Services
Mobile Banking for Debit Cards
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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
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Current Services
Mobile Banking Of Credit Card
Mobile
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Current Services
IBFT from own ATM
Bank Al Habib
Askari Comm Bank
1-Link
ATM
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Future Services
Utility Bills Payment
Elec
tricity
Bill P
aym
ent
Gas
Bill P
aym
ent
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Future Services
Mobile Company Top Up
U-fone
Mobilink
Telenor
Warid Mobile
Card
Purc
hasing
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Internet Banking
Inter Bank Funds Transfer
Future Services
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Inter Bank Funds Transfer
Future Services
Bank Al Habib
1-Link
ATM
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Future Services
1. Visa Debit
2. Master Card
3. POS Deployment
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Future Services
1. Cooperate Banking
2. Cash Deposit
3. Cheque Book
4. Clearing Cheque Collection
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Future Services
School Fee Payment on
1. ATM
2. Internet Banking
3. IVR
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Future Services
Mobile Bills Payment
Mobile
Mob
ile
Bill P
aym
ent
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Conclusion
1. ATM Technology
2. Internet Banking and Advancement
3. Tele Banking
4. Customer Services made EASY
5. Bills Payment
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0
0.5
1
1.5
2
Web ATM Call Center Branch
Channel Costs