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You have no choice but to operate in a world Shaped by globalization and the information revolution. There are two options: adapt or die. Andy Grove, Chairman, Intel.
In the 21st century there will be a lot of banking, but there will be no banks. says Bill Gates
Bank
Information Technology
Customer
Complement
Evolve
Growth Potentiality of Indian banking sector Huge Under-Penetrated Banking Market India Has A Very Low Debt Penetration Rapid Economic Growth Has Boosted Consumer Banking Much Younger Population With Faster-Growing Labour Forces Very Impressive Household Saving Rate
Type
Branch
Cheque
Phone
ATM
PC
Internet
1.07
0.95
0.45
0.27
0/.015
.010
56.3 19.4
42.6
43.7 33.6
54.4
INDIA VIETNAM CHINA MACOA BRUNEI MALAYSIA TAIWAN HONG KONG SINGAPORE JAPAN SOUTH KOREA
Challenges Before Indian Internet Banking Online banking have not Penetrated in India to the Expected Levels
A widespread trust in the security of electronic transactions is yet to develop among the masses and that perhaps is the main reason why Internet banking has not grown well in India. Security is always a challenging task for a banking and technology community.
Internet usage and the online banking sector are experiencing spectacular growth. This growth in popularity has not gone unnoticed by the criminal element. Online fraud has become major source of revenue for criminals all over the globe. The biggest threat to online banking is the threat of Phishing.
Phishing is a form of online identity theft that employs both social engineering and technical tactics to steal consumers personal identity data and financial account credentials
There are two classes of fraud that commonly affect online operations User Identity Theft User Session Hijacking