E-BANKING

 Presented by:-

GHULAM ISHAQ KHAN

Reg No.12319
SHARUKH SALEEM
Reg No.12332
M.N.A TALHA
Reg No.12139
 MEANING OF E-BANKING

 E-Banking is a
range of banking
services that
utilize electronic
equipment.
 FEATURES OF E-BANKING
ON LINE BILL PAYMENTS,
TRANSFER FUNDS BETWEEN ACCOUNT WITH IN COMMUNITY BANK,
TRANSFER FUNDS TO ACCOUNT AT OTHER FINANCIAL
INSTITUTION,
MAKE LOAN PAYMENTS.
24 HOURS SERVICE,
VIEW AND PRINT LOAN,
ACCOUNT HISTORIES,
REAL TIME ACCOUNT ACCESS,
TIME SAVING,
NO SPECIAL SOARE REQUIRED.
 FORMS OF E-BANKING
 TELEPHONE BANKING
 NET BANKING
 ATM
 DEBIT/CREDIT CARDS
 EFT (ELECTRONIC FUND
TRANSFER)
 AFT(AUTOMATED FUND
TRANSFER)
 NET 0R ONLINE BANKING
 It allows the customer to conduct financial
transaction on a website operated by their
retail. It is fast, efficient and effective. It
provides 24 hours a day and 7 day a week.
 TELEPHONE BANKING
 It is a service provided
by a financial institution
which allow its
customer to perform
transaction over the
telephone. This type of
bank which operate
through phones are also
known as phone banks .
 CREDIT CARDS
 Credit card is a
plastic card which is
issued by a bank . It
is issued by of high
credit ranking.
Bank issues credit
card to the
customer up to
certain limit.
 DEBIT CARDS
 It is a card that is used to access money in a
savings account. Debit cards can be used at
ATM’s Two types of Debit cards are,
 Online Debit cards & Offline debit cards
 ATM (Automated Teller Machine)
 An automated teller machine
(ATM) or automatic banking
machine (ABM) is a
computerised
telecommunication device
that provides the clients of a
financial institution with
access to financial
transactions in a public space
without the need for a
cashier, human clerk or bank
teller.
 ELECTRONIC FUND TRANSFER
 It involves
transfer of funds
from bank
account of one
customer to bank
account of
another customer
electronically.
 ELECTRONIC FUND TRANSFER

ad categories of FFT are:-

1)Banking and Financial Payments .
2)Retailing Payments .
3)On-Line electronic payments .
 ELECTRONIC CHEQUES

 Electronic Cheque is based

on the idea that electronic
documents can be
substituted for paper and
public key cryptographic
signatures can be
substituted for
handwritten signatures .
 MOBILE BANKING
 It refers to provision
and availment of
banking and financial
services with the help
of mobile
telecommunication
devices.
ADVANTAGES OF E-BANKING
BENEFITS TO CUSTOMER

Anytime Banking,
Anywhere Banking,
Quick Service,
Online Shopping,
Time Saving,
Customer Satisfaction.
ADVANTAGES OF E-BANKING
BENEFITS TO BANKS
Minimizes cost,
Global Coverage,
Central Database,
Customer-Bank relationship,
Reduces paper,
High Productivity and
Advertising tool.
ADVANTAGES OF E-BANKING
BENEFITS TO GOVERNMENT
Global Market, Cashless Banking,
Transparency,
BENEFITS TO TRADERS
Instant settlement & Promotion of
business enterprises.
LIMITATIONS OF E-BANKING

Banking system not ready,

Laws of land not ready,
Increasing frauds,
Security issues,
Low level of Awareness,
Hesitation on the part of Customers