Online Banking Bangladesh Perspective

Assignment 2

Md Abul Hasnat ID 081091025 MGT 311

432011

Introduction

On line banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic interactive communication channels Its includes the systems that enable financial institutions customers individuals or businesses to access accounts transact business or obtain information on financial products and services through a public or private network including the Internet Customers access on line banking services using an intelligent electronic device such as a personal computer (PC) personal digital assistant (PDA) automated teller machine (ATM) or Touch Tone telephone On line banking services may include ATMs wire transfers telephone banking electronic funds transfers debit cards and credit cards The process is simple One need to do is to log on to hisher banks Web site and follow the instructions Before begins to bank on line however one might take advantage from the tips of the desired banks web site When choosing an on line banking service one should use the same good business sense one could in any transaction One should make sure that the on line banking has a good reputation before provide personal information or send money The Internet is a convenient place to find bargains in banking products and services One can often view rates for savings accounts credit cards loans and other financial products and services Some Web sites also help one directly compare financial products on-line One may discover that on line transfers are similar to writing a check and mailing transactions may not be processed instantaneously One should be sure to find out from hisher bank exactly when on line or telephone account transfers take place (immediately end of day etc)

What does online banking meanOn line banking is a service provided by many banks and Financial Institutions that allows one to conduct banking transactions over the Internet using a personal computer mobile telephone or handheld computer (such as a personal digital assistant) Through on line banking one may be able to

bull Access accounts round-the-clock even on weekendsbull See balances on line and find out whether checks or deposits have clearedbull Transfer funds between accountsbull Receive and pay bills on line (without check writing envelopes or stamps)

Common on line banking servicesBanking transactions can range from something as basic as a retail account balance inquiry to a large business-to-business (B2B) funds transfer On line banking services like those delivered through other delivery channels are typically classified based on the

type of customer they support The following table lists some of the common retail on line banking services offered by banks are as follows

1048633 Account management1048633 Bill payment and presentment1048633 New account opening1048633 InvestmentBrokerage services1048633 Loan application and approval1048633 Business-to-business payments

In addition to traditional banking products and services banks can provide a variety of services that have been designed or adapted to support e-business Management should understand these services and the risks they pose to the institution These are the most common support services web-linking account aggregation electronic authentication website hosting payments for e-commerce and wireless banking activities

Present scenario of Bangladesh

There are about 48 banks are operating their business in the country Among them 4 are nationalized commercial banks 4 specialized banks 30 private commercial banks 10 foreign banks The nationalized banks are huge and their network covering almost every upazillas of the country but they are still to adopt the online banking technology The situation is the same for the specialized banks and some first generation commercial banks On the other hand the third generation private commercial banks and some 2nd generation banks are very much aggressive to adopt this new technology Dutch-Bangla bank a third generation private commercial bank can call the pioneer in this sector

Dutch Bangla Bank Ltd (DBBL)

DBBL Internet banking enables customer to access hisher personal or business accounts anytime anywhere from home office or when traveling Internet Banking gives customer the freedom to choose hisher own banking hours

Account Summary he Customer will be able to view the list of Current Saving Term Deposit and Loan accounts with the current balance

Account Details he Customer can choose a particular account and see the account details including unclear fund limit interest accrued etc

Account Activity The customer can see or print his transaction activity in a given account for a particular period

Transfer Funds The customer can transfer funds from one of his accounts to another of his accounts within the bank

Third Party Transfer The customer can transfer funds from one of his accounts to another customerrsquos account within the bank

Pay Bills The customer can pay his utility bill (like Electricity WASA GAS Telephone Mobile ISP etc)

Standing Instructions The customer can setup modify or delete standing instructions for transferring fund from one of his account to another account (his account or 3rd party)

OpenModify Term Deposit The customer can open a term deposit by transferring funds from one of his current or savings accounts with the bank He can also modify the TD and redeem part-redeem it

Loan Repayments The customer can make payment of the loan installment from his CASA account

Statement Request The customer can make a request for account statement for a required period The bank will manually service this request

Prime Bank Ltd

The Bank has set up a Wide Area Network (WAN) across the country to provide on line branch banking facility to its valued clients Under the Scheme clients of any branch shall be able to do banking transaction at other branches of the bank

Under this system a client will to be able to do following type of transactions Cash withdrawal from hisher account at any branch of the Bank irrespective of

location Cash deposit in hisher account at any branch of the Bank irrespective of location Cash deposit in others account at any branch of the Bank irrespective of location Transfer of money from hisher account with any branch of the Bank Any amount can be deposited or transferred under Prime Line In the system

however at present there is a limit for cash withdrawal through bearer or by account holder himself

Other banks such as Brac Bank Ltd Dhaka Bank Ltd premier bank Ltd The trust bank Ltd One Bank Ltd Eastern bank Ltd are also providing similar kind of service as mentioned in the above

Percentage of active on line services user

Al though some banks are providing on line services the no of customers using this service is minimum Market Researchers have conducted a practical study about the percentage of customers who are enjoying the on line services provided by the above bank The study was conducted during January to October 2007 on 1000 existing customer (Dutch Bangla bank-200 Prime bank-200 Brac bank-200 Premier bank-200 the trust bank-100 Eastern bank-100) of the above bank The result shown as under

Percentage of active on line services user

Active customer of on lineBankingCurrently notusing on line bankingExamining routes to useon line bankingDid not make commentsOn line banking is underdevelopment to beoperational in 10 months

Global Comparison

In our country people are satisfied with their banks ATM Internet SMS banking facilities Now people free less tension to transfer their money from Dhaka to Chittagong or even where the banks are on lined They need not carry the money whenever go for shopping They can use Visa Card Master Card and they are able to draw money from the nearest booth of market through ATM Card The cards are like Plastic Money as the bankers say it

But in Comparing with the international standard there are some gaps of online banking with other foreign banks The causes are infrastructure knowledge of use term and conditions slow bandwidth of radio link in money transferring and so on

Banks Facilities Web Adress

Dutch-BanglaBank Ltd (Local)

Internet Banking ATM amp QcashCredit card Debit card etc

httpwwwdutchbanglabankcom

ICICI Bank ( India) Bill Payment Ticket Booking Fund Transfer (On-net off net) Online Tax Payment

httpwwwicicibankcomPersonal-Bankingonlineserviceonline-servicesonlineservicehtml

RBC Royal Bank (Canada)

Online Banking Direct Banking Online Tax Payment Regional Online Banking Credit Card

httpwwwrbcroyalbankcompersonalhtml

Introduction

On line banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic interactive communication channels Its includes the systems that enable financial institutions customers individuals or businesses to access accounts transact business or obtain information on financial products and services through a public or private network including the Internet Customers access on line banking services using an intelligent electronic device such as a personal computer (PC) personal digital assistant (PDA) automated teller machine (ATM) or Touch Tone telephone On line banking services may include ATMs wire transfers telephone banking electronic funds transfers debit cards and credit cards The process is simple One need to do is to log on to hisher banks Web site and follow the instructions Before begins to bank on line however one might take advantage from the tips of the desired banks web site When choosing an on line banking service one should use the same good business sense one could in any transaction One should make sure that the on line banking has a good reputation before provide personal information or send money The Internet is a convenient place to find bargains in banking products and services One can often view rates for savings accounts credit cards loans and other financial products and services Some Web sites also help one directly compare financial products on-line One may discover that on line transfers are similar to writing a check and mailing transactions may not be processed instantaneously One should be sure to find out from hisher bank exactly when on line or telephone account transfers take place (immediately end of day etc)

What does online banking meanOn line banking is a service provided by many banks and Financial Institutions that allows one to conduct banking transactions over the Internet using a personal computer mobile telephone or handheld computer (such as a personal digital assistant) Through on line banking one may be able to

bull Access accounts round-the-clock even on weekendsbull See balances on line and find out whether checks or deposits have clearedbull Transfer funds between accountsbull Receive and pay bills on line (without check writing envelopes or stamps)

Common on line banking servicesBanking transactions can range from something as basic as a retail account balance inquiry to a large business-to-business (B2B) funds transfer On line banking services like those delivered through other delivery channels are typically classified based on the

type of customer they support The following table lists some of the common retail on line banking services offered by banks are as follows

1048633 Account management1048633 Bill payment and presentment1048633 New account opening1048633 InvestmentBrokerage services1048633 Loan application and approval1048633 Business-to-business payments

In addition to traditional banking products and services banks can provide a variety of services that have been designed or adapted to support e-business Management should understand these services and the risks they pose to the institution These are the most common support services web-linking account aggregation electronic authentication website hosting payments for e-commerce and wireless banking activities

Present scenario of Bangladesh

There are about 48 banks are operating their business in the country Among them 4 are nationalized commercial banks 4 specialized banks 30 private commercial banks 10 foreign banks The nationalized banks are huge and their network covering almost every upazillas of the country but they are still to adopt the online banking technology The situation is the same for the specialized banks and some first generation commercial banks On the other hand the third generation private commercial banks and some 2nd generation banks are very much aggressive to adopt this new technology Dutch-Bangla bank a third generation private commercial bank can call the pioneer in this sector

Dutch Bangla Bank Ltd (DBBL)

DBBL Internet banking enables customer to access hisher personal or business accounts anytime anywhere from home office or when traveling Internet Banking gives customer the freedom to choose hisher own banking hours

Account Summary he Customer will be able to view the list of Current Saving Term Deposit and Loan accounts with the current balance

Account Details he Customer can choose a particular account and see the account details including unclear fund limit interest accrued etc

Account Activity The customer can see or print his transaction activity in a given account for a particular period

Transfer Funds The customer can transfer funds from one of his accounts to another of his accounts within the bank

Third Party Transfer The customer can transfer funds from one of his accounts to another customerrsquos account within the bank

Pay Bills The customer can pay his utility bill (like Electricity WASA GAS Telephone Mobile ISP etc)

Standing Instructions The customer can setup modify or delete standing instructions for transferring fund from one of his account to another account (his account or 3rd party)

OpenModify Term Deposit The customer can open a term deposit by transferring funds from one of his current or savings accounts with the bank He can also modify the TD and redeem part-redeem it

Loan Repayments The customer can make payment of the loan installment from his CASA account

Statement Request The customer can make a request for account statement for a required period The bank will manually service this request

Prime Bank Ltd

The Bank has set up a Wide Area Network (WAN) across the country to provide on line branch banking facility to its valued clients Under the Scheme clients of any branch shall be able to do banking transaction at other branches of the bank

Under this system a client will to be able to do following type of transactions Cash withdrawal from hisher account at any branch of the Bank irrespective of

location Cash deposit in hisher account at any branch of the Bank irrespective of location Cash deposit in others account at any branch of the Bank irrespective of location Transfer of money from hisher account with any branch of the Bank Any amount can be deposited or transferred under Prime Line In the system

however at present there is a limit for cash withdrawal through bearer or by account holder himself

Other banks such as Brac Bank Ltd Dhaka Bank Ltd premier bank Ltd The trust bank Ltd One Bank Ltd Eastern bank Ltd are also providing similar kind of service as mentioned in the above

Percentage of active on line services user

Al though some banks are providing on line services the no of customers using this service is minimum Market Researchers have conducted a practical study about the percentage of customers who are enjoying the on line services provided by the above bank The study was conducted during January to October 2007 on 1000 existing customer (Dutch Bangla bank-200 Prime bank-200 Brac bank-200 Premier bank-200 the trust bank-100 Eastern bank-100) of the above bank The result shown as under

Percentage of active on line services user

Active customer of on lineBankingCurrently notusing on line bankingExamining routes to useon line bankingDid not make commentsOn line banking is underdevelopment to beoperational in 10 months

Global Comparison

In our country people are satisfied with their banks ATM Internet SMS banking facilities Now people free less tension to transfer their money from Dhaka to Chittagong or even where the banks are on lined They need not carry the money whenever go for shopping They can use Visa Card Master Card and they are able to draw money from the nearest booth of market through ATM Card The cards are like Plastic Money as the bankers say it

But in Comparing with the international standard there are some gaps of online banking with other foreign banks The causes are infrastructure knowledge of use term and conditions slow bandwidth of radio link in money transferring and so on

Banks Facilities Web Adress

Dutch-BanglaBank Ltd (Local)

Internet Banking ATM amp QcashCredit card Debit card etc

httpwwwdutchbanglabankcom

ICICI Bank ( India) Bill Payment Ticket Booking Fund Transfer (On-net off net) Online Tax Payment

httpwwwicicibankcomPersonal-Bankingonlineserviceonline-servicesonlineservicehtml

RBC Royal Bank (Canada)

Online Banking Direct Banking Online Tax Payment Regional Online Banking Credit Card

httpwwwrbcroyalbankcompersonalhtml

type of customer they support The following table lists some of the common retail on line banking services offered by banks are as follows

1048633 Account management1048633 Bill payment and presentment1048633 New account opening1048633 InvestmentBrokerage services1048633 Loan application and approval1048633 Business-to-business payments

In addition to traditional banking products and services banks can provide a variety of services that have been designed or adapted to support e-business Management should understand these services and the risks they pose to the institution These are the most common support services web-linking account aggregation electronic authentication website hosting payments for e-commerce and wireless banking activities

Present scenario of Bangladesh

There are about 48 banks are operating their business in the country Among them 4 are nationalized commercial banks 4 specialized banks 30 private commercial banks 10 foreign banks The nationalized banks are huge and their network covering almost every upazillas of the country but they are still to adopt the online banking technology The situation is the same for the specialized banks and some first generation commercial banks On the other hand the third generation private commercial banks and some 2nd generation banks are very much aggressive to adopt this new technology Dutch-Bangla bank a third generation private commercial bank can call the pioneer in this sector

Dutch Bangla Bank Ltd (DBBL)

DBBL Internet banking enables customer to access hisher personal or business accounts anytime anywhere from home office or when traveling Internet Banking gives customer the freedom to choose hisher own banking hours

Account Summary he Customer will be able to view the list of Current Saving Term Deposit and Loan accounts with the current balance

Account Details he Customer can choose a particular account and see the account details including unclear fund limit interest accrued etc

Account Activity The customer can see or print his transaction activity in a given account for a particular period

Transfer Funds The customer can transfer funds from one of his accounts to another of his accounts within the bank

Third Party Transfer The customer can transfer funds from one of his accounts to another customerrsquos account within the bank

Pay Bills The customer can pay his utility bill (like Electricity WASA GAS Telephone Mobile ISP etc)

Standing Instructions The customer can setup modify or delete standing instructions for transferring fund from one of his account to another account (his account or 3rd party)

OpenModify Term Deposit The customer can open a term deposit by transferring funds from one of his current or savings accounts with the bank He can also modify the TD and redeem part-redeem it

Loan Repayments The customer can make payment of the loan installment from his CASA account

Statement Request The customer can make a request for account statement for a required period The bank will manually service this request

Prime Bank Ltd

The Bank has set up a Wide Area Network (WAN) across the country to provide on line branch banking facility to its valued clients Under the Scheme clients of any branch shall be able to do banking transaction at other branches of the bank

Under this system a client will to be able to do following type of transactions Cash withdrawal from hisher account at any branch of the Bank irrespective of

location Cash deposit in hisher account at any branch of the Bank irrespective of location Cash deposit in others account at any branch of the Bank irrespective of location Transfer of money from hisher account with any branch of the Bank Any amount can be deposited or transferred under Prime Line In the system

however at present there is a limit for cash withdrawal through bearer or by account holder himself

Other banks such as Brac Bank Ltd Dhaka Bank Ltd premier bank Ltd The trust bank Ltd One Bank Ltd Eastern bank Ltd are also providing similar kind of service as mentioned in the above

Percentage of active on line services user

Al though some banks are providing on line services the no of customers using this service is minimum Market Researchers have conducted a practical study about the percentage of customers who are enjoying the on line services provided by the above bank The study was conducted during January to October 2007 on 1000 existing customer (Dutch Bangla bank-200 Prime bank-200 Brac bank-200 Premier bank-200 the trust bank-100 Eastern bank-100) of the above bank The result shown as under

Percentage of active on line services user

Active customer of on lineBankingCurrently notusing on line bankingExamining routes to useon line bankingDid not make commentsOn line banking is underdevelopment to beoperational in 10 months

Global Comparison

In our country people are satisfied with their banks ATM Internet SMS banking facilities Now people free less tension to transfer their money from Dhaka to Chittagong or even where the banks are on lined They need not carry the money whenever go for shopping They can use Visa Card Master Card and they are able to draw money from the nearest booth of market through ATM Card The cards are like Plastic Money as the bankers say it

But in Comparing with the international standard there are some gaps of online banking with other foreign banks The causes are infrastructure knowledge of use term and conditions slow bandwidth of radio link in money transferring and so on

Banks Facilities Web Adress

Dutch-BanglaBank Ltd (Local)

Internet Banking ATM amp QcashCredit card Debit card etc

httpwwwdutchbanglabankcom

ICICI Bank ( India) Bill Payment Ticket Booking Fund Transfer (On-net off net) Online Tax Payment

httpwwwicicibankcomPersonal-Bankingonlineserviceonline-servicesonlineservicehtml

RBC Royal Bank (Canada)

Online Banking Direct Banking Online Tax Payment Regional Online Banking Credit Card

httpwwwrbcroyalbankcompersonalhtml

Account Activity The customer can see or print his transaction activity in a given account for a particular period

Transfer Funds The customer can transfer funds from one of his accounts to another of his accounts within the bank

Third Party Transfer The customer can transfer funds from one of his accounts to another customerrsquos account within the bank

Pay Bills The customer can pay his utility bill (like Electricity WASA GAS Telephone Mobile ISP etc)

Standing Instructions The customer can setup modify or delete standing instructions for transferring fund from one of his account to another account (his account or 3rd party)

OpenModify Term Deposit The customer can open a term deposit by transferring funds from one of his current or savings accounts with the bank He can also modify the TD and redeem part-redeem it

Loan Repayments The customer can make payment of the loan installment from his CASA account

Statement Request The customer can make a request for account statement for a required period The bank will manually service this request

Prime Bank Ltd

The Bank has set up a Wide Area Network (WAN) across the country to provide on line branch banking facility to its valued clients Under the Scheme clients of any branch shall be able to do banking transaction at other branches of the bank

Under this system a client will to be able to do following type of transactions Cash withdrawal from hisher account at any branch of the Bank irrespective of

location Cash deposit in hisher account at any branch of the Bank irrespective of location Cash deposit in others account at any branch of the Bank irrespective of location Transfer of money from hisher account with any branch of the Bank Any amount can be deposited or transferred under Prime Line In the system

however at present there is a limit for cash withdrawal through bearer or by account holder himself

Other banks such as Brac Bank Ltd Dhaka Bank Ltd premier bank Ltd The trust bank Ltd One Bank Ltd Eastern bank Ltd are also providing similar kind of service as mentioned in the above

Percentage of active on line services user

Al though some banks are providing on line services the no of customers using this service is minimum Market Researchers have conducted a practical study about the percentage of customers who are enjoying the on line services provided by the above bank The study was conducted during January to October 2007 on 1000 existing customer (Dutch Bangla bank-200 Prime bank-200 Brac bank-200 Premier bank-200 the trust bank-100 Eastern bank-100) of the above bank The result shown as under

Percentage of active on line services user

Active customer of on lineBankingCurrently notusing on line bankingExamining routes to useon line bankingDid not make commentsOn line banking is underdevelopment to beoperational in 10 months

Global Comparison

In our country people are satisfied with their banks ATM Internet SMS banking facilities Now people free less tension to transfer their money from Dhaka to Chittagong or even where the banks are on lined They need not carry the money whenever go for shopping They can use Visa Card Master Card and they are able to draw money from the nearest booth of market through ATM Card The cards are like Plastic Money as the bankers say it

But in Comparing with the international standard there are some gaps of online banking with other foreign banks The causes are infrastructure knowledge of use term and conditions slow bandwidth of radio link in money transferring and so on

Banks Facilities Web Adress

Dutch-BanglaBank Ltd (Local)

Internet Banking ATM amp QcashCredit card Debit card etc

httpwwwdutchbanglabankcom

ICICI Bank ( India) Bill Payment Ticket Booking Fund Transfer (On-net off net) Online Tax Payment

httpwwwicicibankcomPersonal-Bankingonlineserviceonline-servicesonlineservicehtml

RBC Royal Bank (Canada)

Online Banking Direct Banking Online Tax Payment Regional Online Banking Credit Card

httpwwwrbcroyalbankcompersonalhtml

Percentage of active on line services user

Al though some banks are providing on line services the no of customers using this service is minimum Market Researchers have conducted a practical study about the percentage of customers who are enjoying the on line services provided by the above bank The study was conducted during January to October 2007 on 1000 existing customer (Dutch Bangla bank-200 Prime bank-200 Brac bank-200 Premier bank-200 the trust bank-100 Eastern bank-100) of the above bank The result shown as under

Percentage of active on line services user

Active customer of on lineBankingCurrently notusing on line bankingExamining routes to useon line bankingDid not make commentsOn line banking is underdevelopment to beoperational in 10 months

Global Comparison

In our country people are satisfied with their banks ATM Internet SMS banking facilities Now people free less tension to transfer their money from Dhaka to Chittagong or even where the banks are on lined They need not carry the money whenever go for shopping They can use Visa Card Master Card and they are able to draw money from the nearest booth of market through ATM Card The cards are like Plastic Money as the bankers say it

But in Comparing with the international standard there are some gaps of online banking with other foreign banks The causes are infrastructure knowledge of use term and conditions slow bandwidth of radio link in money transferring and so on

Banks Facilities Web Adress

Dutch-BanglaBank Ltd (Local)

Internet Banking ATM amp QcashCredit card Debit card etc

httpwwwdutchbanglabankcom

ICICI Bank ( India) Bill Payment Ticket Booking Fund Transfer (On-net off net) Online Tax Payment

httpwwwicicibankcomPersonal-Bankingonlineserviceonline-servicesonlineservicehtml

RBC Royal Bank (Canada)

Online Banking Direct Banking Online Tax Payment Regional Online Banking Credit Card

httpwwwrbcroyalbankcompersonalhtml

Global Comparison

In our country people are satisfied with their banks ATM Internet SMS banking facilities Now people free less tension to transfer their money from Dhaka to Chittagong or even where the banks are on lined They need not carry the money whenever go for shopping They can use Visa Card Master Card and they are able to draw money from the nearest booth of market through ATM Card The cards are like Plastic Money as the bankers say it

But in Comparing with the international standard there are some gaps of online banking with other foreign banks The causes are infrastructure knowledge of use term and conditions slow bandwidth of radio link in money transferring and so on

Banks Facilities Web Adress

Dutch-BanglaBank Ltd (Local)

Internet Banking ATM amp QcashCredit card Debit card etc

httpwwwdutchbanglabankcom

ICICI Bank ( India) Bill Payment Ticket Booking Fund Transfer (On-net off net) Online Tax Payment

httpwwwicicibankcomPersonal-Bankingonlineserviceonline-servicesonlineservicehtml

RBC Royal Bank (Canada)

Online Banking Direct Banking Online Tax Payment Regional Online Banking Credit Card

httpwwwrbcroyalbankcompersonalhtml

Enquiry Mobile Banking

Conclusion

As personal computers became more powerful affordable and available during the 1998 bank companies of Bangladesh increasingly used them to construct their own internal networks Within 30 years the internet becomes one of the most amazing technological and social accomplishments of the 21st century The rapid development of this new technology will brings the world in a new dimension of financial transaction stay aside from this contemporary technology will bring us in a least develop to developing countries cause our international as well as national business will face a complex situation Foreign investor may reluctant to invest here for the traditional system of financial transaction In our country foreign banks are using modern technology and newer on line services to their customer but our local banks are still behind in comparison to them Only Dutch Bangla bank are providing full fledge on line banking service to their customer Other banks (mentioned previously) are providing limited on line services to their customer The present situation implies that every bank operating in Bangladesh should have adopted the new technology to cope with the challenges of upcoming 21st century

Reference

Mary Lou Roberts Internet Marketing Integrating online and offline strategies McGraw Hill Irwin

Bhasin TM E-commerces in Indian Banking PH Collin Dictionary of Banking amp Finance Universal Book Stall Reprint 1996

Derrick G Hanson Dictionary of Banking amp Finance Pitmam Joseph PT E-commerce a managerial perspective Prentice Hall of India

M Mizanur Rahman Present status of E-Banking in Bangladesh Journal of the institute of bankers of Bangladesh Volume 50 Number 1 January - June 2003

Reference

Mary Lou Roberts Internet Marketing Integrating online and offline strategies McGraw Hill Irwin

Bhasin TM E-commerces in Indian Banking PH Collin Dictionary of Banking amp Finance Universal Book Stall Reprint 1996

Derrick G Hanson Dictionary of Banking amp Finance Pitmam Joseph PT E-commerce a managerial perspective Prentice Hall of India

M Mizanur Rahman Present status of E-Banking in Bangladesh Journal of the institute of bankers of Bangladesh Volume 50 Number 1 January - June 2003