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Esewa and eBanking in Nepal

eSewa is a mobile money account. It is a digital wallet from where customers can pay, send and receive money from their mobile phone and internet, instantly.
eBanking means a method of banking in which the customer conducts transactions electronically via the Internet.

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Esewa and eBanking in Nepal

  1. 1. By Swikar Dahal
  2. 2. • A digital wallet refers to an electronic device that allows an individual to make electronic commerce transactions. • One in five consumers in Asia are now using digital wallet representing twofold increase from two years ago.
  3. 3. • eSewa is a Digital Payment Portal which allows you to make online and offline payments to various merchants, transfer funds to various banks and many more. • Today, over 400k registered eSewa customers access the wallet services either through the web or their mobiles.
  4. 4. • E-Sewa is a secured online payment service offered by F1 Soft International Private Limited. • The objective of E-Sewa is to allow payment of bills to various merchants or companies from one place. This saves you from traveling to each company and wait in long lines to pay your bills. • Payment is done through secured channel without exposing bank account or credit card number to the company where you want to pay your bills to. • E-Sewa does not charge any amount from your bank account when you transfer funds to E-Sewa.
  5. 5. History of e-Banking in Nepal • Establishment of first Joint Venture Bank, Nepal Arab Bank Limited (now NABIL Bank), in 1984 which introduced Credit Cards in Nepal in early 1990 • ATM was first introduced by another JV Bank, Himalayan Bank Ltd. in 1995 • Himalayan Bank Limited was also the first bank to introduce Tele-Banking (Telephone Banking) • Internet-Banking was first introduced by Kumari Bank Limited in 2002 • Laxmi Bank Limited was the first bank to introduce SMS- Banking (or Mobile Banking) in Nepal in the year 2004.
  6. 6. The channels in e-Banking available in Nepal are: • Automated Teller Machines (ATM) • Point of Sales (PoS) • Telephone Banking (Tele Banking) • Internet Banking • Mobile Banking (SMS Banking)
  7. 7. With Online Banking, Nepalese Banks provide access to the following services:  Account Services  Credit Card Management  Personal Updates  Fund Transfers
  8. 8. • Still the approximately 90% of the total depositors are not using the facilities provided in the name of EBANKING . • Most of the customers are limited to the withdrawal of money from ATM and account balance query through the use of mobile banking. • Banks are facing with higher operating costs and have increasingly turned toward automation and electronic networks to replace labor based production systems.
  9. 9. Phishing and Nepali Bank • There is growing number of incidents of banking crime through electronic means, the central bank has introduced IT guidelines for banks and financial institutions. • In 2013, Rs 1.2 million of an active depositor of NIBL was stolen as one who sent the email got access to the password of the bank’s client.
  10. 10. Reference: • http://globalimebank.com/Information/e-sewa- documents.html&flag=10 • http://anju.page.tl/E_Banking-in-Nepal.htm • https://esewa.com.np/static/faq • http://f1soft.com/esewa.html • https://www.online- banking.standardchartered.com/scb/newGUI/common /topbann_NP.htm#What • http://kathmandupost.ekantipur.com/printedition/new s/2013-04-15/phishing-incidents-wake-up-nepali- banks-to-security-threats.html