Академический Документы
Профессиональный Документы
Культура Документы
Home About Jute Jute Prices Organisation Directory Technology Statistics Diversification Jute Policy Jute News FAQ Home
E-Banking Frauds
More e-banking projects on the anvil Bangalore June 06, 2008: The Reserve Bank of India (RBI) has taken many steps to provide better service to customers through initiatives like National Electronic Funds Transfer and providing ATM usage under a common umbrella, V Leeladhar, Deputy Governor, Reserve Bank of India, said on Thursday. Other RBI projects on the anvil include the India Card and Cheque Truncation facility to centres other than Delhi for speedier realization of outstation cheques, he said. India has a chance to leapfrog from cash to electronic payment mode, thereby, bypassing cheques, Leeladhar noted. The Reserve Bank has also permitted appointment of individuals as banking correspondents under the financial inclusion project and brought in several changes in the Banking Ombudsman Scheme for speedier redressal of grievances. He called upon banks to make use of technology to provide better customer service. Free ATM use March 10, 2008: In just over a year from now,, bank customers will able to freely use their ATM cards to withdraw cash from any automated teller machine installed by various commercial bank across the country.
Internet banking (or E-banking) means any user with a personal computer and a browser can get connected to his bank -s website to perform any of the virtual banking functions. In internet banking system the bank has a centralized database that is webenabled. All the services that the bank has permitted on the internet are displayed in menu. Any service can be selected and further interaction is dictated by the nature of service. The traditional branch model of bank is now giving place to an alternative delivery channels with ATM network. Once the branch offices of bank are interconnected through terrestrial or satellite links, there would be no physical identity for any branch. It would a borderless entity permitting anytime, anywhere and anyhow banking. The network which connects the various locations and gives connectivity to the central office within the organization is called intranet. These networks are limited to organizations for which they are set up. SWIFT is a live example of intranet application.
ATM is designed to perform the most important function of bank. It is operated by plastic card with its special features. The plastic card is replacing cheque, personal attendance of the customer, banking hours restrictions and paper based verification. There are debit cards. ATMs used as spring board for Electronic Fund Transfer. ATM itself can provide information about customers account and also receive instructions from customers - ATM cardholders. An ATM is an Electronic Fund Transfer terminal capable of handling cash deposits, transfer between accounts, balance enquiries, cash withdrawals and pay bills. It may be on-line or 0ff-line. The on-line ATN enables the customer to avail banking facilities from anywhere. In off-line the facilities are confined to that particular ATM assigned. Any customer possessing ATM card issued by the Shared Payment Network System can go to any ATM linked to Shared Payment Networks and perform his transactions. E-Banking services are offered Credit Cards/Debit Cards:
1/3
. orldjute.com/ebank.html
1/28/12
T . S : U ( ) I I U B I . D I -C B U B
C C C
C C , , . A
. C , I B . T I PIN N . W -
C . E
P , , PIN . T PIN
(PIN). W M C VISA
.T ' , , UBI C I U B B , I . , , . ( ), .
Smart Card:
B , S C . S C . I . T ,
An Time machines
Milk
I ' , . ICICI B .
.O , ,
, . T
Credit card customers W I , . I ANAND (G 2008: I D ), F , A A M M , G , R P . I A . T H . I . , . Y . B N , , , A D ,K .M , . . , . A 05, . Railwa pass T ICICI . B T ,N ,S P . Investing through Internet banking Y FD ,
. I
R . T M ,
.N
A ATM
1/28/12
A "T
I , ."
I ' . I
2006, , '
Securit Precautions
C
, C PIN
ATM
[A
][J [R
][J O ][A
][W
][D ][C
][J T U ] [A
][ D W U ][A
][S U ][D
] [J ]
] [ FAQ ]
S B
2002, W
. A R 800 600
. orldjute.com/ebank.html
3/3