I feel deeply in debted towards people who have guided me in this project. It would have not have been possible to make such an extensive report without the help, guidance and inputs from them. Most of my information source has been from professional books of banking sector Project Guide-


I would firstly like to express my gratitude towards my guide PROF: SUVASINI RAI for having shown so much of flexibility & guiding in such a way that I was really learning the subject all the time. She helped me in deciding the project topic. She showed a lot of openness in her approach and I would like to thank her for her support in a way that has lead to proper & effective learning. Secondly I would like to thank Mr. Sumi Alappat the senior officer of ICICI Bank Ltd. For spending his precious time for my project and giving me ample of good ideas about the project. Last but not least I am grateful to all my family members & my friends for being my side always. Without their help and Motivation it would have been impossible to complete my project.

Primary Data
Various people that included office staff help to collect the primary data on the basis of interviews, thoughts & suggestion

Secondary Data
The Main sources of Secondary data were combination of information from the internet, periodicals and books of the related topic.

To understand about how e-banking activity is carried out and how it is easy to use.

• Lack of information pertaining to the various angles of the report. The topic is too vast to be covered in this project. These were main problems encountered by myself.

New customers  Dangers of E-Banking  Securities of E-Banking  Conclusion  Bibliography .Table of Content  Executive Summary  Introduction  Types of E-Banking  Features  Internet Banking  Internet Banking in INDIA  Features of Internet Banking  Advantages & disadvantages  Mobile banking  Customer requirements for Mobile Banking applications  Characteristics of Mobile Banking  Mobile Banking use cases  Mobile banking :No wires. No worries.

PC banking and Internet or online banking are the most frequently used designations. made the transformation of banking application to mobile devices. virtual banking. has created new players who offer personalize services through the web portals. This increase to find new ways and increase customer loyalty to add the value to this product and services. The ever increasing speed of internet enabled phones & personal assistant. reducing cost and increase in convenience for the customer to access the transaction. remote electronic banking.banking is an umbrella term for the process by which a customer may perform banking transactions electronically without visiting a brick-and-mortar institution. home banking. The following terms all refer to one form or another of electronic banking: personal computer (PC) banking. this creative a new subset of electronic banking i.Executive Summary “E-banking”. mobile banking. The internet is revolutionizing the way the financial industry conducts business online. online banking. however.e. e. Internet banking. In 1999 & 2000 mobile banking as an established channels. Banks also enables customers lifestyle needs by changing and increasing preference for speed and convenience are eroding the . It should be noted.The execution of financial services via internet. that the terms used to describe the various types of electronicbanking are often used interchangeably. and phone banking. still seems to be a distant prospect.

. Banks are well positioned to play central role unit in future M-commerce market.traditional affinity between customer and branch offices as a new technology disinter mediates traditional channels. Customers have trusted relationships with banks and a lower propensity to switch banking providers. Smart card is a new trend which provides the opportunity to build an incremental revenue stream by providing an ideal platform for extended application and services. Bank provides a multimedia of small and large retailers with acquiring functionality in credit card transactions. delivering the value proposition hinges on owing or earning the customer interface and bringing the customer a complete solution which satisfies their needs. Banks have strong relationships with corporate and business customers and a wide experience in providing them with corporate banking services.

Compared with traditional channels of offering banking services through physical branches. and in addition to the core e-banking services such as account balance inquiry. For example. In order to use e-banking services. and in turn. an existing bank with physical offices can also establish an online site and offer ebanking services to its customers in addition to the regular channel. such as opening accounts. and making loans to individuals and companies. E-banking can be offered in two main ways. E-banking from banks like Citibank complements those banks' physical presence. Multimedia information in HTML format from online banks can be displayed in web browsers. E-banking services are delivered to customers through the Internet and the web using Hypertext Markup Language (HTML). online stock quotes. Citibank is a leader in e-banking. offering walk-in. funds transfer. transferring funds.INTRODUCTION Traditional banks offer many services to their customers. banks can operate more efficiently when customers perform transactions by themselves rather than going to a branch and dealing with a branch representative. Generally. brokerage services. customers need Internet access and web browser software. and electronic bill payment. The heart of the e-banking . Citibank also provides premium services including financial calculators. Citibank customers can access their bank accounts through the Internet. faceto-face banking at its branches throughout many parts of the world as well as e-banking services through the World Wide Web. e-banking uses the Internet to deliver traditional banking services to their customers. e-banking is provided without extra cost to customers. Customers are attracted by the convenience of ebanking through the Internet. including accepting customer money deposits. and insurance. providing various banking services to customers. and electronic bill payment. First.

which are software or hardware barriers between the corporate network and the external Internet. database management systems. Banks with e-banking service offer several methods to ensure a high level of security: (1) identification and authentication. customers are unwilling to use a public network. messages between customers and online banks are all encrypted so that a hacker cannot view the message even if the message is intercepted over the Internet. (2) encryption. For example. It is built in the web browser program and users do not have to take any extra steps to set up the program. to view their financial information online and conduct financial transactions. which includes web servers. Wells Fargo Bank connected to the Internet only after it had installed a firewall and made sure the firewall was sufficiently impenetrable. Without great confidence in security. The particular encryption standard adopted by most browsers is called Secure Socket Layer (SSL). Third. and web application programs that can generate dynamic HTML pages. while a customer is generally identified by his or her login ID and password to ensure only authenticated customers can access their accounts. Some of the security threats include invasion of individuals' privacy and theft of confidential information. One of the main concerns of e-banking is security.application is the computer system. First. Second. and (3) firewalls. banks have built firewalls. such as the Internet. the identification of an online bank takes the form of a known Uniform Resource Locator (URL) or Internet address. . to protect the servers and bank databases from outside intruders.

the electronic signatures bill took effect. banks seek to offer their customers more products and services such as insurance. Electronic checks will look similar to paper checks. g The range of e-banking services is likely to increase in the future. Electronic money can be stored in computers or smart cards and consumers can use the electronic money to purchase small value items over the Internet. and forwarded to the seller's bank for electronic collection from the buyer's bank. 2000. Further. but they can be sent from buyers to sellers over the Internet. Some banks plan to introduce electronic money and electronic checks.On October 1. mortgage. electronically endorsed by the seller. Some banks plan to begin usin electronic checks as soon as they can work out various security measures. etc. . recognizing documents signed online as legal.

Internet Banking . Therefore.HSBC have introduced this service to allow customers with text phones to check their balance. as several types of service are currently available: • • • • PC Banking . users can access their bank account. they have lower overheads and can offer higher rates of interest and lower charges. Text Phone Banking .Types of E-Banking The common assumption is that Internet banking is the only method of on-line banking. Internet banking can be split into two distinct groups: • • Traditional banks and building societies use the Internet as an add-on service with which to give businesses access to their accounts.Using a Web browser. Digital TV Banking. Access is not necessarily via the Internet. once the bank's application server has validated the user's identity. pay bills and transfer money. Individual banks provide software which is loaded on to an SME's office computer. However. Abbey National and HSBC services are available via Digital TV providers. . New Internet-only banks have no bricks and mortar presence on the High Street.this is not strictly the case. a user can access their account. One of its main selling points is that no account details are transmitted via the World Wide Web.The forerunner to Internet banking has been around since the late 1980's and is still widely used today.Using the standard digital reception equipment (set top box and remote control). The SME can then access their bank account via a modem and telephone link to the bank.


online banking. including personal loans and mortgages    24 hour account access It provides Quality customer service with personal It provides the quick services to their customers.  attention     Enables transfer of funds from one place to another(banks). free bill payment and rebates on ATM surcharges    credit cards with low rates  Easy online applications for all accounts. CDs.   Inter-bank applications like settlement of funds  between banks.   Provides facilities like demat operation. and IRAs    Checking with no monthly fee. .FEATUERS OF E-BANKING E-Banking provide exceptional rates on Savings.   Exchange of statisticals information amongs banks.ATM operation.   Enables foreign exchange operations.

Internet banks are also known as virtual. sometimes called online banking. and purchasing financial instruments and certificates of deposit. net.Internet Banking Internet banking. paying mortgages. This is basically the banking industry's attempt to jump on the "ebusiness" band wagon.will describe this differently. Internet banking uses the Internet as the delivery channel by which to conduct banking activity. member institutions rated security as the most important . Rather than spending too much time on the term.and vendors . NetBanker defines a “ true Internet bank” as one that provides account balances and some transactional capabilities to retail customers over the World Wide Web. E-banking is a term that attempts to broadly describe today's alternate delivery channels. for example. is an outgrowth of PC banking. paying bills. Internet Commercial cash management. An Internet banking customer accesses his or her accounts from a browser— software that runs Internet banking programs resident on the bank’s World Wide Web server. MAIN CONCERNS IN INTERNET BANKING In a survey conducted by the Online Banking Association. or web banks. and begin to prioritize your investment in these new services. interactive. not on the user’s PC. Different banks . Ideas would include image delivery via Internet. cyber. and on-line bill pay. I'd suggest you open a dialogue with your customers about the types of services they are interested in. transferring funds. viewing checking and savings account balances.

filtering routers. . PC Magazine Online also offers a primer: How Encryption Works. Some basic information on the transmission of confidential data is presented in Security and Encryption on the Web. A multi-layered security architecture comprising firewalls. Banking Securely: Online Banking via the World Wide Web provides an overview of Internet commerce and how one company handles secure banking for its financial institution clients and their customers. encryption and digital certification ensures that your account information is protected from unauthorized access.issue of online banking. There is a dual requirement to protect customers' privacy and protect against fraud.

DRIVERS OF CHANGE Advantages previously held by large financial institutions have shrunk considerably. Access to one's accounts at anytime and from any location via the World Wide Web is a convenience unknown a short time ago.Internet Banking in India The Internet banking is changing the banking industry and is having the major effects on banking relationships.highly sophisticated offerings enabling integrated sales of additional products and access to other financial servicessuch as investment and Level 4 sites . Consumers are embracing the many benefits of Internet banking.minimum functionality sites that offer only access to deposit account data . The Internet has leveled the playing field and afforded open access to customers in the global marketplace. The six primary drivers of Internet banking includes. from Level 1 . Internet banking is a cost-effective delivery channel for financial institutions. Internet banking involves use of Internet for delivery of banking products & services. Even the Morgan Stanley Dean Witter Internet research emphasized that Web is more important for retail financial services than for many other industries. in order of primacy are:       Improve customer access Facilitate the offering of more services Increase customer loyalty Attract new customers Provide services offered by competitors Reduce customer attrition . It falls into four main categories.

. which now offer banking and financial services over the Internet. The deregulation of the banking industry coupled with the emergence of new technologies. are enabling new competitors to enter the financial services market quickly and efficiently.The banking industry in India is facing unprecedented competition from non-traditional banking institutions.

view and maintain Standing Orders Have evolutionary trend at a globle scenario.Features of Internet banking The features available from an on-line bank account are similar to those which are available via 'phone banking or visiting the local branch. On-line banking features do differ between the banks. View balance and statements. It brings efficiency in CRM(Customer relationship management) Make Payment of bills Introduces new & innovative products &services. Create. Customer can View Direct Debits. . Brings door to door services. but usually include:                  Transfer of funds between accounts.

 Enables prompt & speedy operation to clients. they are. .  Loss of heavy income at times of settlement of higher magnitude.  Opening & closing of accountes  Make the payments of merchandise transaction through Debit & Credit cards.  Failure of power supply cause to break down of system.Advantages of Internet Banking Refers to conducting banking transactions through internet.  Development of an attitude of lethargy. Disadvantages of Internet Banking  Customer may have to face risky transaction & fraud.  Cost involved in trainning staff may not be profitable specially in times of attrition.  It gives reliefs to their customer from carrying heavy cash.  It saves lot of time to their customers &convenient to access.

Demat Alerts . credit card and demat accounts promptly such as: Bank Alerts . Citi Bank E-Banking facility keeps them updated while they requires. What are CITI Bank E-Banking Alerts? CITI Bank E-Banking Alerts is a facility through which they can receive latest information about their bank.Salary credit. debit / credit of large amounts as specified by them and cheque bounce Credit Card Alerts . Alerts are sent to their mobile phone number as registered by them with the Bank .Shares debited and credited in their account etc. 2.Questionneirs 1. What is CITI Bank E-Banking? Why should customers apply for the same? Citi Bank E-Banking keeps the customers informed about the significant transactions in their bank.Approaching credit limit and Due date of payment of credit card bill. credit card and demat accounts.

As and when Alerts are introduced for other CITI Bank we shall intimate you through our website.citibank. www.3. Can customers avail of the CITI Bank E-Banking facility? All CITI Bank customers having Savings Bank Account. Credit Card (not being an Add on Card) and Demat Account can avail of this facility.htm .

4. • Account Balance above a specified amount. What are the alerts that customers subscribe for? Currently.5000/.or above as specified by you. Banking Alerts • • • • • Credit to your Bank Account of any amount of Rs.or above as specified by you. Debit to your Bank Account of any amount of Rs. Account Balance below a specified amount. Salary Credit to the Bank Account *. we are providing the following alerts based on their with us: A.5000/. Cheque deposited in your Bank Account but bounced. • This will be subject to the appearance of the word 'salary' in the narration of salary credit. .

How can customers subscribe to CITI Bank E-Banking? Customers can subscribe to CITI Bank E-Banking by any one of the following means: • • Login to and go to banking section for banking alerts and credit card section for credit card alerts. Call up our 24 hour Customer Care Centre and request for subscription for bank alerts and credit card alerts.6 .citibank. Our Customer Care Centre representatives will take you through the identification process and subscribe you to CITI Bank E-Banking. .

14. go to the banking section for the option "Write to Account Manager". Login to http://www.citibank. What should customers do if they have further queries on this facility? For any further queries on CITI Bank alert facility. You may also write to Account Manager a you may call our 24 hour Customer Care Centre or write to the Account Manager for clarification of the same. To write to the Account .

In the following. but representative: Each case stands for a series of cases. For each use case we identify the most important. concrete need that the user has in this particular situation. The groups focused on identifying real-life situations in which the use of mobile banking provides an informational added value.g. we introduce four use cases. each group consisted of mobile banking users and mobile commerce experts. The resulting situations have been aggregated to the use cases The use cases are not exhaustive.Mobile Mobile banking use cases A mobile user has to be seen from his context when using the application. Needs and expectations are not generic. Use case 1: Request of account balance. which are similar in the depth of the desired information and/or the conditions of the usage.g. to . The user is in a mobile situation (e. but bound to this context. we consider someone who already is an electronic banking user shows significant affinity to technology and often finds himself in situations where he can not (or does not want to) rely an infrastructure necessary for electronic banking. These have been developed in the course of two group discussions. As a typical mobile banking user. e. in a department store) and intends to know his account balance.

Use case 4: Administration of the account. Use case 2: Control of account movements.g. He intends to have the exact details of the cash receipt. gain competitive advantage and increase customer loyalty while also attracting new. Resulting need: Continuous control over movements on the account. combined with the wide variety of portable devices available today. such as online banks and brokers who offer personalized services through their Web portals. Mobile and wireless technology. enables . Resulting need: Instant execution of a bank transfer. business models and new ways to interact with customers. high-value clients. The ability to perform banking transactions online has created new players in the financial industry. The user is waiting for an important cash receipt on his account.verify his account before realizing a spontaneous purchase. The user is in a mobile situation and intends to make a payment by bank transfer from his account. The user intends to use spare time (e. Resulting need: Quick and easy-to-use execution of transactions and administration is possible. using a train or waiting on the airport) to administrate his account. Use case 3: Instant payment. This increased competition is driving traditional financial institutions to find new ways to add the value to their products and services. Resulting need: Quick obtainment of account balance.

With mobile and wireless technology. from the freedom of paying bills while stuck in traffic. the convenience and time saving benefits of wireless financial services are huge. banks can offer a wide possibilities of services to their customers. This provides a new channel that can be used to refresh and expand the customer base. attract prime customers and enhance loyalty. Increase share The convenience of having of customer personalized wireless access to wallet critical financial information is an invaluable service for customers on the move. anytime. The challenge. Benefits Description Developing wireless applications and Grow new services targeted at the mobile mass customer market will allow attracting new. revenue opportunities for financial services organizations. highbase and value customers into mobile banking markets portal and expanding the reach to global markets. provides the opportunity to strengthen the relationships with existing . to receiving notification of a change in stock price while having lunch. is how to turn these possibilities into a reality for the customers. Enabling the execution of time-sensitive financial transactions anywhere.

. driving increased revenue from fees. Granting customers flexible access to financial information and Grow assets. Brand and reputation for convenience. service and innovation will be strengthened and enhanced each time customers on Expand and the move stop to check their stock enhance brand portfolio or to pay bills wirelessly. presence This also offers significant potential to grow the market awareness through word-of-mouth. and fees they have the opportunity to conduct transactions more frequently.customers. This ultimately results in an increased share of the customers' transactions--preventing them from taking a portion of their financial business elsewhere. accounts enables them to perform number of transactions when it's most transactions convenient for them. As a result.

. Banks greatly support this not only because they could meet their customers’ need for convenience but also because of the enormous economic impacts in replacing a high-cost channel (bank clerks) through a low-cost channel (a central web server) for simple transactions. mobile applications disband the limitations of electronic banking as they allow for a use anytime-anywhere and the subjective and objective security of the device is higher than that of a personal computer. [1]). the advantages even go much further than for electronic banking: The high penetration of mobile phones reaches all social levels. Mobile banking as an established channel still seems to be a distant prospect.enabled. For mobile banking. Since users considered their mobile phone as a personal trusted device making it to an integral part of their lives and more and more of these devices became Internet. the regular conclusion was the transformation of banking applications to mobile devices as the next step of electronic banking development. with the additional benefit of eliminating the necessity for a media conversion. more than four years after the start of the first mobile banking applications customers simply do not use them and utilization figures stay very far behind all expectations (e.General conditions of mobile banking Electronic banking is one of the most successful business. Despite all of applications in electronic commerce (EC).g.

we do not intend to start with current applications (which could mean biased) but from scratch. with an analysis of the customer requirements to such applications. Doing so in the following sections.The reasons for this great disappointment are to be analyzed. .

Customer requirements for mobile banking applications Set of customer requirements Technical requirements • • • • • • • • • • • • Usage is possible with both kinds of devices Adaptation to device Usage regardless of network operator Small amount of transmitted data Usability requirements Possibility to work offline Simple data input method Resumption of usage at the same point One-Click-Request Design requirements Possibility to personalize the application Possibility to scale the application Announcement of events Wide range of functionality Security requirements • Encrypted data transmission • Authorization of access • Simple Authorization .

additional informational added values have to be targeted. using mobile added values [14]. A mobile application is used via a mobile device. The connection is provided by a mobile network operator (MNO). This is especially important if applications need to access certain parts of the . special limitations are valid . We consider five characteristics of the mobile use to be particularly relevant as they greatly influence the design of mobile banking applications and the suitability of certain technical solutions. In other words.For the mobile banking context. a mobile application. Characteristics of the mobile use The use of mobile applications underlies several specific restrictions. Mobile applications have to be specifically made-to-measure on the one hand side to the needs and expectations of the mobile user and on the other hand side to the specific restrictions of mobile communication techniques and mobile devices. For these devices (currently either a mobile phone or a PDA).General considerations A mobile banking application is. these are the limited input and display capabilities. above all. first of all. Secondly we closely watch the user and his context when wanting to use mobile banking. In order to derive a set of requirements to mobile banking applications we pursue two steps: Firstly we identify general characteristics of the mobile use which are relevant. To conceptualize a mobile application. it is far from sufficiency to just porting an existing Internet application on a mobile device.

The use of mobile data transmission is expensive. It is important that the named restrictions have to be considered as early as possible. which means in the phase of conceptualization. . (E. it is extremely more probable as a mobile usage causes a continuous change of conditions. This is principally already true for electronic banking as well (the connection may e.g. be disrupted by a breakdown of the transmission or of the operating system of the client Computer) and provides a special necessity to avoid incomplete transactions. GSMCSD or HSCSD) this extends to the connection time.g. This implicates the use of adequate security measures. it is also important for the usability of a service: It is not acceptable for a user if he almost completed a transaction and his train enters a tunnel that he has to wait until the end of the tunnel and restart his transaction from the beginning (hoping the next tunnel is far away enough).g.g.GPRS) this extends to the transferred data volume.g.infrastructure which are under control of the MNO (e. these have to be pursued with all MNO on the designated market. Sensitive data is transmitted. In the case of negotiations. For mobile banking. the SIM card). in the case of packet-switched data transmission (e. Thus. A disruption of the usage is possible at any time. e. In the case of circuit-switched data transmission. through geographical influences or cell-handover.

To attract and retain customers. banks have a built-in delivery mechanism that can offer services & 24×7 access regardless of where the customer happens to be. In addition to established traditional channels. With the proliferation & cost effectiveness of mobile delivery channel. bank need to exchange their full range of services across a wide range of Mobile. no transaction-based fee revenue. wireless devices without having an impact on their current infrastructure and the delivery channels it currently supports. Mobile Gateways. Wireless Application Protocol (WAP) & Wireless Markup Language (WML) all play an important role in bringing mobile banking strategy to the market. New Customers Mobile communication devices are revolutionizing banking transactions over wireless network and the Internet. The big benefits for banks? Higher customer satisfaction & loyalty. . most major banks in today market now offers e-banking as an extension to their existing array of services & conveniences of wired consumers & businesses.Mobile Banking: No wires. mbanking provides banks with the unprecedented opportunity to reach their customers in an unrestricted environment. the next phase in the revolution is wireless-mobile-banking that is available anytime anywhere from ‘always-on’ mobile devices like mobile phones and personal digital assistant (PDA). No worries. including branch banking and ATM banking. Unlike PC-Based e-banking. Wireless Networks.

integrated customer .lower cost of ownership and relationship management channel.

At banks must be considered that very sensitive data is processed. has to secure its web server and WAP Gateway especially against unauthorized access. While a normal content provider doesn’t has to observe special security precautions. This is especially necessary because of the fact that inside the WAP Gateway the encryption protocol is converted from SSL/TLS to WTLS with the effect that data is not encrypted while it is processed. These build standard types as each of them is representative for a series of comparable applications. the main types of existing mobile banking applications are introduced. and in some cases can even use the services of extern providers. While authentication is assured via a . The function of WAP banking is in many ways similar to the function of Electronic banking using http.Mobile banking applications Examined applications In the following. The client sends a request and gets a response with page content which is stored on or dynamically generated by a standard web server. While WAP-banking and mobile banking via PDA are generic. SMS-banking and mobile banking with SIM Toolkit use specialties of the GSM standard. WAP-banking The most widespread solution for mobile banking is based on micro-websites following the WAP standard (Wireless Application Protocol). The main difference is in the usage of a WAP gateway for the conversion of the protocols.

forces the user to carry a TAN list with him in order to make transactions. authorization for transactions is realized via transaction numbers (TAN). This concept.PIN (personal identification number) of the user. known from the electronic banking. .

and gets the desired data as an answer. because of the high sensitive character of the transmitted data. one should pay special attention on the security of the location of the SMSC. banks . Alike the WAP banking. The customer has to include a PIN for authorization in every SMS he sends to his bank. a bank could generate SMS from bank data like account balance or account movements and send it to the mobile device of the customer. The operation of SMSC is offered as a service by many service providers. The transmission of mobile-originated short messages is carried out by the short message service center (SMSC) of the particular network operator. The SMSC is receiving the message from the mobile device and routing it to the destination device. For this reason it is mandatory for banks to run their own SMS-Gateway and secure it from unauthorized access. For generating mobile-terminated short messages. it is possible that a company or a special service provider runs an own SMSC. So the data is transmitted unencrypted.SMS-banking The Short Message Service (SMS) is a GSM service to exchange text messages up to 140 byte (or 160 characters of 7 bit). Because of this missing encryption. An encryption of pure text-SMS is not possible (unless an application on the mobile device would be able to decrypt the information). The main problem with this kind of transmission is the missing encryption of the data during the on-the air transmission between the service center and the mobile phone. This technique is used at SMS-banking: The customer sends an SMS with a request to the bank. Thus. The usage of such a service is out of question for banks.

www.M. E-Commerce in Indian banking – Bhasin .com 2. webiblography 1. www.Chaudhary 1. Banking and Finance – C. Banking in The New Millennium – Rajshekhar N. E-banking: the global perspective –Gupta Vivek 2.

Application for Internet Banking. Surname * _______________ Middle Mailing Address *_______________________________________________ ________________________________________________ _________________ City *: ____________________ Pin Code: Email Address *: ____________________ @_______________ Phone No. . II) ICICI Bank accountholders can access their bank accounts through ICICI Bank Internet Banking only where the mode of operation of ICICI Bank account is Single/Either or Survivor/Anyone or Survivor. /Ms. : ________________________ Mother's Maiden Name *: Date of birth *: _______/ _______/ ______ dd mm yy I) In case of joint accounts. Mobile No. the applicant is required to obtain the attached mandate from the joint account holder(s). Phone Banking and Mobile Banking (All fields with * are mandatory to be filled. /Mrs.) Name of the ___________________ _____________________ First Name * Name * applicant: Mr.

: ________________________ Mother's Maiden Name *: Date of birth *: _______/ _______/ ______ dd mm yy I) In case of joint accounts. /Ms. /Mrs. the applicant is required to obtain the attached mandate from the joint account holder(s). Phone Banking and Mobile Banking (All fields with * are mandatory to be filled. Mobile No. Surname * _______________ Middle Mailing Address *_______________________________________________ ________________________________________________ _________________ City *: ____________________ Pin Code: Email Address *: ____________________ @_______________ Phone No.) Name of the ___________________ _____________________ First Name * Name * applicant: Mr.Please tick one of the following: Application for Internet Banking. II) ICICI Bank accountholders can access their bank accounts through ICICI Bank Internet Banking only where .

the mode of operation of ICICI Bank account is Single/Either or Survivor/Anyone or Survivor. please tick one of the following: : .

3.ready . virtual credits cards. 2. . The WAP component essentially provides the facility for reformatting data for display on wireless handsets. and other customized payment instruments. and this number is growing steadily. Through the convenient addition of a multi-application relationship card. Rapid evolution of global protocols such as WAP (wireless application protocol): This enables the communication channel between computers and mobile devices. 4. much in the way cable access has facilitated online pc access and reduced consumer dial up delays 3555.MOBILE NETWORKS PROVIDE THE FOLLOWING COMPETITIVE ADVANTAGES 1. mobile customers will also have a built in platform for a host of other application services. including security keys. Always – on 24 ×7 access: Mobile networks will provide the ability for consumers to be transaction. mobile customers have a specific profile that enables customized functionality that directly reflects the way they want to transact business over mobile devices. Advanced penetration of mobile networks: 2G (second generation) networks already cover more than 90 percent of the population in the western world. Personalization: Through SIM (Subscriber Identity Module) cards.

5.Faster Data Processing Speeds: Increases in bandwidth and data transmission a speed makes mobile data services efficient and cost . .effective in a real time environment. the mobile banking transaction can be protected by a private key stored on SIM card and hence mobile phone can become a wireless wallet to protect proprietary and financial information. 6.Security: Effectively.

Rapid evolution of global protocols such as WAP (wireless application protocol): This enables the communication channel between computers and mobile devices. including security keys. and this number is growing steadily. much in the way cable access has facilitated online pc access and reduced consumer dial up delays 3555. The WAP component essentially provides the facility for reformatting data for display on wireless handsets. Always – on 24 ×7 access: Mobile networks will provide the ability for consumers to be transaction.ready . Advanced penetration of mobile networks: 2G (second generation) networks already cover more than 90 percent of the population in the western world. 10. mobile customers will also have a built in platform for a host of other application services. Personalization: Through SIM (Subscriber Identity Module) cards. Through the convenient addition of a multi-application relationship card. 8. 9. virtual credits cards. mobile customers have a specific profile that enables customized functionality that directly reflects the way they want to transact business over mobile devices. and other customized payment instruments. .MOBILE NETWORKS PROVIDE THE FOLLOWING COMPETITIVE ADVANTAGES 7.

12. Security: Effectively.effective in a real time environment. . the mobile banking transaction can be protected by a private key stored on SIM card and hence mobile phone can become a wireless wallet to protect proprietary and financial information.11. Faster Data Processing Speeds: Increases in bandwidth and data transmission a speed makes mobile data services efficient and cost .




the expectation is that the transaction is completed with immediate effect. Other drawbacks to using Internet-only banks include: • • Penalties for phone transactions. as the systems are still connected to the UK clearing system. and have either reverted back to the previous system or have solved the problem immediately. it appears that in many cases basic risk principles have been ignored in the rush. For example. .. where customer information was disclosed to other users. Recently. Banks have been quick to react. that Internetonly banks will not be able to sustain their high interest rates. which takes three working days to clear payments. currently. and on-line banking is no exception. There is some speculation.Dangers of E-Banking most services suffer from disadvantages. The main fear is that transferring money electronically will somehow cause it to disappear into the electronic abyss. However. Banks are aware of this concern and do assure account holders that such an event should not occur. Access to cash (ensure that there is sufficient access to ATMs). Banks could lose the whole e-trust business if they are unable to rise to the challenge of meeting customers' ever-rising demands in a secure trading environment. We may perceive this method of banking to be instantaneous. this is not the case. when a bill is paid. Use Dangers in E-banking to reduce the level of risks to a minimal level whilst ensuring that your business is not justify behind in the race to retain and win new electronic customers. The main disadvantages are those related to fear of the unknown. there have been a number of technical incidents.

Look for the closed padlock in the browser. The bank will use a 128 bit Secure Session Layer (SSL) encryption protocol. not the bank.which is a 1 in 3. The user's browser will show a padlock when the session is secure.4 x10 to the power of 38 chances. a user has to supply a set of answers to questions. on-line banking is secure. . as a result. The security used in on-line banking is a combination of technology and user authentication. which they have previously entered upon registration. If a security breach is discovered. between its server and the user's browser. Banks employ many procedures and systems in order to prevent these incidents. If any are disclosed and money is stolen. the liability lies solely with the account holder. the bank is liable for all money stolen. they would have to guess the decryption key .It identifies the major risks which have been encountered so far and pinpoints areas which are to become big risks for e-bankers in the future. The banks place the responsibility of keeping these answers secure with the user. Security One of the main concerns with on-line banking is that of security. If a hacker were to attempt to listen to the data transmission. Fraudulent and accidental security breaches are a rare occurrence.How can this report help you? . With this in mind the following is sound advice to users: • • Make sure the Web Address starts https:\\ rather than http:\\. From a technology point of view. The weakest link of on-line banking is user authentication. as well as a username and password. and. insures them against the possibility. Using SSL can be thought of as preventing eavesdropping. making it infinitely secure. As a result they invest a considerable amount of time and money in developing systems which will prevent fraud and unauthorized access. Typically. this shows that the session is encrypted.

Also. .• • • • • • • • • • • Do not use simple or easily guessable passwords (use a combination of letters and numbers) and change it frequently. (e. Use additional software that your bank might recommend (firewall or anti-virus software) Keep your Web browser up-to-date with the latest patches and versions. banks will not do this. an Internet café is not as secure as your home PC). These fake Web sites have been set-up by fraudsters. If you are unsure of an email play it safe and contact your bank to verify the email. Do not use the "Auto Complete" feature within the browser. Always sign-off when you are finished. Check the Terms and Conditions for any notes on where you can and cannot access the on-line accounts. Always empty the cache of the browser after banking. Be wary of any e-Mail’s from your bank which ask you to send details via email.g. be wary of emails from banks which ask you to log into a Web site and resubmit your details. Do not write down any username. Do not leave the PC unattended while banking. Never send any account information in an email as this is insecure. password or any other information required.

(For more information.800 baud or higher is recommended).78 for PC users. simply contact one of our helpful staff members for assistance at (209) 956-7000. and Browser software which supports 128-bit Secure Sockets Layer (SSL) encryption. a modem (28. Question: What type of accounts can be accessed through e-Banking? Answer: You can access the following types of accounts: • • • Checking Savings CD's/Investment . If you would like to use this feature and have not yet signed up. please refer to your copy of e-Banking Guidelines provided by Community Bank. We recommend Internet Explorer 5.) Question: How do I sign up for e-Banking? Answer: Access to e-Banking can be added to most Community Bank accounts at any time.questiones Question: What equipment and software do I need to access e-Banking? Answer: You'll need an Internet Service Provider (ISP).5 or Netscape 4.

Please be careful to keep this information secure. Our e-Banking service is designed so that users can edit information online for their own reference. Adding custom words such as "Summer Vacation" next to an account number enables users to locate specific accounts more quickly. . Note: Please include the last five digits of your account number in your modification. This is currently the highest level of security available for Internet transactions. Account information can only be accessed using the correct Sign-On ID and password combination. You can help safeguard your information and the e-Banking system by protecting your Sign-On ID and password. A proper combination of your Sign-On ID and password is the only way to gain access to your account information online. Any modification made online only appears when accessing information through e-Banking and does not impact the Bank's actual records. Question: Can anyone else see my account information? Answer: Your online account information is available through access methods which have been rigorously tested for security accessibility. Question: How safe and secure are my e-Banking transactions? Answer: We use 128-bit Secure Sockets Layer (SSL) encryption for all communications within e-Banking.• Loans Question: Can I customize the name of my accounts online? Answer: Yes.

If you have not already signed up. Simply accept the Terms and Conditions by clicking the button. e-Banking blocks access to your account after three failed Sign-On attempts. can I add this service later? Answer: Personal users can sign up for e-Payment at any time. Just click on the Bill Payments button located within the e-Banking navigation menu. You will then be presented the opportunity to enroll online. and you can immediately begin using the service.whether you use the service or not. Question: Will my payments and transfers be processed if e-Banking goes down? Answer: If e-Banking and all of Community Bank's back up systems were to go down. the monthly service fee is charged just like your basic telephone or cable bill . Please see our Fee Schedule for current pricing. will I be charged the monthly service fee even if I don't make any payments? Answer: Yes. you can be comfortable that any transaction .For your protection. the system automatically terminates your session for additional security. You can help safeguard your information and the e-Banking system by protecting your Sign-On ID and password. Question: Upon subscribing to e-Payment. If you leave e-Banking idle for a period of time without using the Sign-Off option. A proper combination of your Sign-On ID and password is the only way to gain access to your account information online. please contact the Bank. Please be careful to keep this information secure. To regain access. a message will appear informing you that you are not currently enrolled. Question: If I did not subscribe to e-Payment when I first opened my personal checking account.

Payments and transfers appear on your Register screen. If the last column of the register is marked with an "X". . If you were in the middle of a transaction and there is some question as to whether the system received your request.which you had already processed prior to the system going down. please contact the Bank to ensure your transaction request has been accepted. the payment or transfer has posted against your account. will be processed.

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