In this presentation I described about Internet Banking, it's history, working, types, services, advantages, disadvantages etc.

1. असर (ASR)

2.  History
 Definition
 Types
 Services
 Working
 Advantages
 Disadvantages
 Security
 Conclusion
Contents

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.
History

4. What is Internet Banking
• Internet Banking allows you to conduct
bank transactions online, instead of
finding a bank and interacting with a
teller.
• 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.

5. Definition
 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.

6. TYPES
 PC Banking
 Digital TV Banking
 Text Phone Banking
 Internet Banking

7. SERVICES
 Viewing Account Balance
 Downloading Bank Statement
 Loan Applications and
transactions
 Ordering Cheque book
 Bill Payment
 Credit Card
 Insurance
 Customer Service
 Recharge your phone
 Ticket Booking
 Shopping

8. How can use Internet Banking
?
Step 1: Asses Internet Banking – Obtain
your User ID and Password from bank.
Step 2: Go to your Banks website.
Step 3: Click on Login button.
Step 4: Enter your User ID and Password.
Then the home page will look like this

9. Data Flow Diagram of System
Modules
INTERNET
BANKINGT
MONEY
TRANSFER
LOAN
MODULE
ACCOUNT
HISTORYACCOUNT
OPENING
NEW
CUSTOMER
DATA
BALANCE
ENQUIRY
LOGIN
MODULE

10. Web server
Internet front office
system
Bank back office
system
Internet
Security
subsystem
Branch office
terminals
User
SSL connection
Working

11. First step in the setup process is making a plan.
1. What are the services to be installed?
2. What services bank could implement
in-house?
3. What services we could implement
through ASPs (out-of-house)?
4. Who are technology partners?
Application Service
Providers

12. Advantages
1. Any time banking
2. Any where banking
3. Cash free banking
4. Easy to make utility payments
5. Online Purchases
6. Competitive Advantages
7. Better Profitability
8. Better Customer Relationship
9. Cost less
10.Transaction speed
11.Efficiency
12.Speed Banking
13.Vast coverage
14.Permanent access to the bank
15.Very safe and secure method
16.Security of account

13. Issues in Internet Banking
1. Learning Difficulties
2. Lack of skilled personals
3. Technical Breakdowns
4. Long startup time
5. Necessity of the Internet
6. Customer Care Services
7. Security Issues
Security Risk
 Increasing no of fraudulent websites.
 Fake email purporting to be sent from banks.
 Use of trojan horse programs to capture user
IDs and Password.

14. PROBLEMS
Spoofing
EavesdroppingData Alteration
“How can I be certain that my
personal information is not
altered by online
eavesdroppers when they
enter into a secure transaction
on the Web?”
“How can I be certain that my
customers’ account number
information is not accessible
to online eavesdroppers when
they enter into a secure
transaction on the Web?”
Security Problems

15. Security
1. While banking through the internet, make sure that
the banking session is secure.
1. In addition, always remember to completely
log off, after completing the banking session.
1. Ensuring security while banking online, is to keep your password
and pin number a secret.
2. The security of your personal computer is very important for safe
internet banking. Therefore, always install antivirus software and
software to remove spyware.
3. Checking your bank statements regularly will help you detect any
transaction that has taken place without your knowledge.
4. Nowadays, the banking institutions have come up with a number of
safety measures for ensuring secure internet banking.

16. Conclusion
 Account Kit is very necessary for customers, in it they
get all the things who helps them to use their account
easily.
 Use of debit card is safer than carrying cash.
 The main advantages of using cheques as a way of
paying for goods and services are Safe, Trusted and
Personalization
 The strategy of banks 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.