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Internet Banking by Chethan Raju

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Internet Banking by Chethan Raju

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Internet Banking by Chethan Raju

  1. 1. INTERNET BANKING
  2. 2.  History  Definition  Types  Services  Working  Advantages  Disadvantages  Security tips  Conclusion Contents
  3. 3. Online services started in New York in 1981 when four of the city’s major banks :  Citibank  Chase Manhattan  Chemical  Manufacturers Hanover offered home banking services using the videotext system.  In India ICICI bank started internet bank services in 1996. History
  4. 4. o Internet Banking allows you to conduct bank transactions online, instead of finding a bank and interacting with a teller. o In a broad sense, it is the use of electronic means to transfer funds directly from one account to another, rather than by cheque or cash. What is Internet Banking ?
  5. 5.  A system of banking in which customers can view their account details, pay bills, and transfer money by means of the internet.  The remote delivery of new and traditional banking products and services through electronic delivery channels. Definition
  6. 6.  PC Banking  Digital TV Banking  Text Phone Banking  Internet Banking Types
  7. 7.  Bill Payment  Credit Card  Insurance  Customer services  Recharging your phone/DTH  Shopping Services
  8. 8. Step 1: Access Internet Banking - Obtain your User ID and Passwords. Step 2: Create your Own Unique User ID. Step 3: Link the Account Number to your User ID Who can use internet banking
  9. 9. Web server Internet front office system Bank back office system Internet Security subsystem Branch office terminals User SSL connection Working
  10. 10.  Cost less  Transaction speed  Efficiency  Speed banking  Vast coverage Advantages
  11. 11.  Security problems  Learning difficulties  Lack of skilled personnel  Technical breakdowns  Long start up time  Hacking of Accounts Disadvantages
  12. 12.  Increasing number of fraudulent websites  Fake emails purporting to be sent from banks  Use of trojan horse programs to capture user ids and password by Hackers. Hackers are those individuals with excellent computer skills with the ability to create and explore computer’s software Security Risks
  13. 13. • Ensuring security while banking online, is to keep your password and pin number a secret. • Make sure that you are on correct website. • The security of your personal computer is very important for safe internet banking. Therefore, always install antivirus software and software to remove spyware. • To defend cyber attacks use IPS, Firewall in Your device and encrypt your data. Security Tips
  14. 14.  While banking through the internet, make sure that the banking session is secure. Checking your bank statements regularly will help you detect any transaction that has taken place without your knowledge.  In addition, always remember to completely log off, log off, after completing the banking session.  Nowadays, the banking institutions have come up up with a number of safety measures for ensuring ensuring secure internet banking. Like OTPs, 3D 3D secure pin etc.
  15. 15. Do not download or click on the links sent to you by strangers, it may contain malicious software or data which affects your device. Periodically change your passwords If you think something is wrong with your account report immediately to bank.
  16. 16.  The strategy of bank is to provide value added services and products to the consumer, utilizing the internet extensively.  The main aim of E-banking is to making transactions through online poses and make customer more beneficial Conclusion
  17. 17. Any Question?
  18. 18. THANK YOU

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