services provided by banks online with security
TRANSCRIPT
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Services provided by banks
online with security
Presented by:-Deesha JhaveriFYBMS ‘A’
ROLL NO= 33
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Online banking services
The term that became popular in the late 1980’s , today it is a
very familiar term and is being used by most banks and
banmking institutions in India as well as abroad
Internet Banking offers a host of services and facilities that
give you real-time access to your account.
In the following slides we will see the various types of Internet
services provided by banks ans security issues
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Managing accounts
Internet Banking provides you a one point access to manage
all your accounts securely. For viewing account statements to
transferring funds and much more, simply log into your
Internet Banking account online.
Viewing balance inquiry, Fund Transfers , Demat matters,
application for debit cards, cheque books etc. can be now
done online
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Link accounts
With Link accounts facility, you can now view all your
accounts like Bank, Credit card, Demat and Loan Account
through a single User ID
For linking accounts, it is important that your details across
accounts that are presently linked and the one requested to
be linked are the same.
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Transfer funds
Funds can now be transferred very easilt through online
banking
Funds can be transferred to :
Your own accounts
Other accounts
Accounts in other banks Accounts in banks overseas
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Pay bills
To pay your bills through the Bill Pay facility, all you need to
do is to complete a simple one time registration for each
biller. No more entering billing details every time you pay
your bills! We offer you this facility in two modes depending on the
biller:
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Shop, recharge and manage money
Banks these days have tie-ups with leading brands thereby
the users can grab best deals and discounts
The next amazing service is that of mobile rechaging.most
banks provide these services absolutely free
Money Manager is a secure and useful personal finance
management tool that enables the customers to take better
control of their money.
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Security woes
Inspite of the amazing online facilities provided by banksthere is a need for security as well .
We shall now concentrate on the security issues.
The growth of the Internet has offered greater flexibility for us all, but it also brings new risks that must be guarded against. Industry standard security technology and practices,
focusing on three key areas – privacy, technology and identification are used to safeguard user accounts from any unauthorised access nad infiltration .
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Security measures by banks
Following are the security measures adapted by major banks for
online transactions :
Multi-layer Login verification
Transaction verification
Secure Socket Layer (SSL) verification Atuomatic Time-Out features
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User level security
Adopt the following measures to ensure Internet Banking security :
Ensure your computer is protected with the latest anti-virusand firewall protection software at all times. Download
updates regularly to ensure you have the latest protection Choose a Password that is memorable to you but not easy to
guess by someone else. Passwords that contain combinationsof alpha and numeric characters are generally harder to
guess (e.g. a7g3cy91) Do not choose a Password that you use for other services.
Your Password should be unique to Internet Banking
Change your Internet Banking Password on a regular basis
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Contd.
Never disclose your Internet Banking Password to anyone. A member of HSBC will never ask you for your Password
Do not write your Internet Banking Username together with
your Password. Do not write your Password in a recognizable format and never leave your logon details with your OnlineSecurity Device
Disable functionality on your computer or browsers that
remembers logon details
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conclusion
Although banks are providing a variety of services online and ensuring levels of security the users as well should take heed.
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BIBLIOGRAPHY
www.wikipedia.org
www.hsbc.in
www.icici.com
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THANKYOU