THE

21st
CENTURY
BANKING

Submitted by :
Abhishek Sasan
MBA (IT Br.)
500901515
 What is ‘Banking ‘ ?

Engaging in business of keeping money for

savings , Checking accounts for exchange or
Issuing or withdrawing loans.

An Financial institution licensed by

government .
What is BankingTechnology ?
Use of Sophisticated Information and communication
Technologies with Computer Science to offer better
Services to it’s Customer’s in a secured , reliable and
Affordable manner .

Banking technology also subsumes activity of using

Computer newly built algorithms in unraveling the
patterns of customer behavior by flipping in details
If customers , like , transactions .
Constituents of Banking Technology

Marketing
Information
science
Technology

Banking
Technology

Comm. Computer
Technology Science
 Types of banking

Banking

ATM Services

Mobile banking I-banking

• SBI ATM-cum-Debit
• M commerce(Mobile Card
• SBI Credit Card
top-up , SBI LIP) • Online Air –Ticketing
• Enquiry services • Utility bill payments
• Request services • Online share trading
• Transferring funds • Fee payments to insti
(Using NEFT) -tutes such as IIT’s.
 Mobile Banking & it’s Pro
• Available on java enabled handsets

• Also available on SMS / GPRS / WAP

on non-java handsets with GPRS
connection

• SBI came up with a conclusion 79%

customers do not transact through
M-banking

• SBI again Renovated this conclusion

21% customers transacting through
M-banking , customers age ranging
b/w 18-24 i.e., youth
 TECHNOLOGY INITIATIVES : Process – MOBILE BASED

Application Host-
WIRELESS
Vendor’s

SBI
file Gateway
Offline
BC’s now
Online in
mobil
future
e
CURRENT STATUS
phon
e  security checks: Mobile
number & Security PIN SBI
 Low cost entry for all Core banking

MOBILE
PHONE
CUST
OMER

7
 I-banking
• Request for opening new account
closing a/c , issuing cheque book

• Inter Bank Transfers

• Credit PPF a/c across Branches

• Online purchases

• ez-trade@sbi

• Online applications for IPO

 Internet Banking & it’s pro

I-banking

p aym en t
e-
e-rail

e-tax tr ad e@ sbi
ez-
 Process : PC- KIOSK internet based

internet KIOSK HOST

SBI’s
PC GATEWAY
INTERNET
KIOSK

DATA
BC
SBI COREBANKING

VALIDATION

FINGER SBI SBI

SBI BRANCHES BRANCHES
BRANCHES
CUST
OMER
CBS “BACKBONE”of I-banking
 Networking service enhancing the customers
convenience

 Used to obtain cash payments by cheque,

banker’s cheque & DD etc.,

 A CBS branch is like a Sales & Service Delivery

Center. Back office processes/activities are handled
through technology at a site, called Data Center.
 Ez-trade E-tax E-
payment

• Amalgation of savings
Demats,online trading
accounts • Direct Taxes
• Online – pay
• Auto - pay
• Provides a secured • CBEC
possible to all online • Indirect Taxes
stocks. • Customs

• State Govt.
Taxes
 SBI Online Services

Online Online Online

Online Educ.
Demat SME
Car loans Loan Loans

• No need to pay advance EMI

• Operationally any customer can be issued a Loan

at home or office through SBI’s I-banking
SBI at the “Forefront”
 ATM Services
• With over 12,000 ATMs in India , SBI provides the largest network
and is continuing to expand fast

• Includes ATMs of associate banks( namely : - SBP , SBS , SBB , SBM)

Cards
Accepted at
SBI ATMs

s i ss ue d
Card
m t he r b anks
A T M cu re d it by o
SBI All de b it /c
e b i t Card
D Cards
 ATM BASED-PROCESS (Tech.)
Customer registers SERVICE PROCESS
for service

Billdesk aggregates Forms available at

Registration inform. SBI branches
ATM locations
Billdesk gives data
for validation
Billdesk does all
Next bill onwards Checks and
Collects data provides data
formats
Bill amount and
Data shown to
Customer on ATM Billdesk does
reconcilation and
provides payments
Customer makes
payment at ATM
 WAY FORWARD : VISION - MARCH 2012

 No. of unbanked villages to be covered : 1 lakh

 No. of rural branches to go up to 10,000
 No. of ATMs in rural areas to go up to 6,000
 Focussed shift towards mobile banking,
internet banking & kiosk banking platforms.
 INITIATIVES IN NORTH EAST
Cumulative position at
end of the quarter
NORTH -EAST (Dec08)

 No. of rural/semi urban branches : 409

 No. of ATMs : 151

 Rural : 40
 Semi urban : 111

 No. of RTGS enabled branches : 484

 Business Facilitators : 76
LATEST ANNOUCEMENT NEWS

• SBI has been adjudged as the Best Bank 2009 by Business India
Group( AUG ’ 09 ’ )

• SBI ranked as No. 1 in the 4P B & M & ICMR Survey on “ INDIA’S

BEST MARKETED BANKS : August-2009