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Mobile Banking & Remittance Services

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Arun K Ramteke
Arun K Ramteke
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Mobile Banking & Remittance Services
Introduction ,[object Object],[object Object],[object Object],[object Object],[object Object]
Mobility Features ,[object Object],[object Object],[object Object],[object Object],[object Object]
Mobile Remittance Service ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mobile e-Payments Scenario for Remittance
Mobile Remittance Cycle, example BENEFICIARY Receiving Bank ,[object Object],[object Object],4a Send success notification and secret code to Sender ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],SENDER Transit Account DG e-Pay Sender Bank A/C 4b Deduct from sender bank a/c via direct debit arrangement with banks Receiving Bank’s Account NOSTRO / VOSTRO 10. No cash handling by DG e-Pay. Involves only e-money transfer from Bank-to-Bank accounts. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Statutory Compliance Notification Statutory Compliance Notification 1. Request for Registration 2. Registration Confirmation 3. Send Request to Remit 7a. Send remittance particulars to respective Branch through Online/Advice 7b. Send notification to beneficiary via SMS WEB 7c. Success Notification to JBUAE 4. Inquiry of Sufficient Fund 5a. Request terminated due to insufficient fund 5b.Send Advice to remit 6. Based on Sufficient fund in A/C, JB UAE Send a massage/mail to JBBDHO WEB 9. Beneficiary Collect Money From the Bank 8. Success Notification to Remitter WEB WEB WEB EFT Mobile Interface IPG EFT Mobile Interface IPG Remitter Beneficiary JB UAE OBUAE JBBDLB JBBDHO Central Bank of BD SMSC SMSC Central Bank of UAE
Janata Bank, Bangladesh Sample Remittance Smart Card
Mobile e-payment Application : Remittance Work Flow Sample ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Work Flow Sample ……. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Current Process for Remittance Instruction ,[object Object],[object Object],[object Object],[object Object]
Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object]
Benefits (Contd.) ,[object Object],[object Object],[object Object],[object Object],[object Object]
Mobile e-payment’s for a Bank BANK E Wallet Debit Credit Pay Bill / Buy reloads Remittance Transfer to Bank account Pay to another e Wallet Buy products (M-commerce) Pay merchants POS / Handset
 

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Mobile Banking & Remittance Services

  • 1. Mobile Banking & Remittance Services
  • 2.
  • 3.
  • 4.
  • 5. Mobile e-Payments Scenario for Remittance
  • 6.
  • 7. Statutory Compliance Notification Statutory Compliance Notification 1. Request for Registration 2. Registration Confirmation 3. Send Request to Remit 7a. Send remittance particulars to respective Branch through Online/Advice 7b. Send notification to beneficiary via SMS WEB 7c. Success Notification to JBUAE 4. Inquiry of Sufficient Fund 5a. Request terminated due to insufficient fund 5b.Send Advice to remit 6. Based on Sufficient fund in A/C, JB UAE Send a massage/mail to JBBDHO WEB 9. Beneficiary Collect Money From the Bank 8. Success Notification to Remitter WEB WEB WEB EFT Mobile Interface IPG EFT Mobile Interface IPG Remitter Beneficiary JB UAE OBUAE JBBDLB JBBDHO Central Bank of BD SMSC SMSC Central Bank of UAE
  • 8. Janata Bank, Bangladesh Sample Remittance Smart Card
  • 9.
  • 10.
  • 11.
  • 12.
  • 13.
  • 14. Mobile e-payment’s for a Bank BANK E Wallet Debit Credit Pay Bill / Buy reloads Remittance Transfer to Bank account Pay to another e Wallet Buy products (M-commerce) Pay merchants POS / Handset
  • 15.