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Online
Banking
Discussion about problems faced by bank and customers in
absence of online banking
Implementing Online banking to overcome the challenges faced
Ways or techniques for becoming online from offline mode
Respective benefits or advantages for banks on becoming online
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2
Table of
Action Plan / Course of Action
• Digitalization Techniques
• Workforce Training
o Outsource Appropriate Trainers
o Training Timeframe
o Budget Allocation
• Implementation Cost for E-Banking
• Timeline for E-Banking Software Installation
Implement E Banking
• Overview
• Key Statistics
• Market Segmentation
o Banking Type
o Solution Type
• Products & Services
• Leading Industry Players
• Reasons for Implication of Online Banking
CONTENTS Executive Summary
Vendors for E Banking Software’s
Company Overview
Federal Regulations
Problem Statement
• Financial Impact
• Product Awareness and Usage
• Customer Base
• Projected Revenue
• Competition Benchmark
Impacts / Results
• Integration with E Commerce
• Relative Reduction in Company Expenses
• Transaction Count
• Financial Growth
• Increase in Customer Base
Industry Analysis
• Porter 5 Forces Analysis
• PESTEL Analysis
Recommendations
3
Table of
Action plan / Course of action
• Digitalization techniques
• Workforce training
o Outsource appropriate trainers
o Training timeframe
o Budget allocation
• Implementation cost for E-Banking
• Timeline for E-Banking software installation
Implement E Banking
• Overview
• Key statistics
• Market segmentation
o Banking type
o Solution type
• Products & services
• Leading industry players
• Reasons for Implication of Online Banking
CONTENTS Executive Summary
Vendors for E Banking software’s
Company overview
Federal regulations
Problem Statement
• Financial Impact
• Product Awareness and Usage
• Customer Base
• Projected Revenue
• Competition Benchmark
Impacts / Results
• Integration with E Commerce
• Relative reduction in company expenses
• Transaction count
• Financial growth
• Increase in customer base
Industry analysis
• Porter 5 Forces Analysis
• PESTEL Analysis
Recommendations
4
Executive Summary
Electronic or online banking is the key requirement for success.
Different challenges faced in absence of electronic banking are
mentioned below:
Revenue started declining as customers end up either closing their bank
accounts or stopped maintaining balance in their account
Manual fund transfer by customers to different accounts is a troublesome process
Customers had to undergo various approvals for loan sanction which is a
very lengthy process
Customers have to manually visit banks for enquiry about different products
Bank was unable to achieve projected or forecasted revenue
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Different problems in
offline banking and
need analysis for
online banking
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This slide covers
brief overview
about challenges
faced by banks
and customers
being offline
5
6
Net Sales Rs m 212,380 217,700 219,540 65,540 45,930
Other Income Rs m 10,830 3,280 4,020 830 910
Total Revenues Rs m 223,210 220,980 223,560 66,370 46,840
Gross Profit Rs m 65,870 71,900 72,360 11,450 8,080
Depreciation Rs m 45,350 38,170 44,840 8,210 7,210
Interest Rs m 30,190 27,550 29,240 2,550 1,860
Profit Before Tax Rs m 1,160 9,460 2,300 1,520 -80
Minority Interest Rs m -920 910 20 30 50
Prior Period Items Rs m 20 30 0 0 0
Extraordinary Inc (Exp) Rs m 0 0 0 0 0
Tax Rs m -10,210 3,260 -4,280 -900 160
Profit After Tax Rs m 10,470 7,140 6,600 2,450 -190
Gross Profit Margin % 31.0 33.0 33.0 17.5 17.6
Effective Tax Rate % -880.2 34.5 -186.1 -59.2 -200.0
Net Profit Margin % 4.9 3.3 3.0 3.7 -0.4
Financial Impact
No. of Months
Year Ending
12
Mar-14*
12
Mar-15*
12
Mar-16*
12
Mar-17*
12
Mar-18*
The slide covers 5
years company
financials which
show that net sales
is constantly
decreasing. You
can edit the
content accordingly
*mn = Million
Decline in net sales for past 5 years
7
Types of Products / Services Percentage Aware (%) Percentage Using (%)
Small Business Loan 55 42
Working Capital Loan 60 50
Term Deposit 40 22
Credit Cards 60 30
Personal Loans 53 20
Mortgages 43 21
Home Loans 45 12
Life Insurance Policies 36 10
Saving Deposits 56 39
Product Awareness and Usage
Revealed in one of the survey that more than 45% customers stopped approaching to bank physically which decreased the sales of bank by more than 50%
The slide covers
product awareness
in market and their
respective usage
percentage. You
can edit the
content accordingly
Customer awareness about different products and decline in usage percentage due to lack of online services
Customer Base
Financial Year Current Account Saving Account Loans Insurance
Year-Over-Year
(%)
December 12, 2014 680 863 400 532 17
December 12, 2015 541 652 357 491 21
December 12, 2016 467 574 214 351 4
December 12, 2017 491 521 232 296 31
December 12, 2018 300 421 145 198 45
Customers end up closing their bank accounts and started moving towards competitors with online platform
The slide
customers count of
company for past 5
years. You can edit
the content
accordingly
Decline in customers count over past 5 years
YEAR
8
9
Projected Revenue
Unable to achieve projected or forecasted revenue ($130 Million) as customers started shifting to other banks and bank witnessed decrease in revenue
0
20
40
60
80
100
120
140
2015 2016 2017 2018 2019
0
20
40
60
80
100
120
140
2015 2016 2017 2018 2019
In $million In $million
Actual Revenue Projected Revenue
The slide covers
forecasted revenue
that company was
not able to achieve
due to being
offline. You can
edit the content
accordingly
Unable to meet projected revenue being offline
10
Competition Benchmark
Bank was unable to achieve projected or forecasted revenue ($130 million) as customers started shifting to other banks
Parameters Your Bank Competitor 1 Competitor 2 Competitor 3 Competitor 4
Revenue $200 Million $500 Million $650 Million $450 Million $700 Million
Customers Count 10 lakh 10 Million 12 Million 20 Million 15 Million
Net Profit ($ million) 200 1,000 1,200 1,150 1,350
Customer Satisfaction Below Average Good Very Good Excellent Good
Product Awareness 52% 70% 81% 79% 86%
The slide covers
comparison among
competitors in
respect to 5
parameters . You
can edit the
content accordingly
Comparison with competitors based on different parameters
Table of
Action plan / Course of action
• Digitalization techniques
• Workforce training
o Outsource appropriate trainers
o Training timeframe
o Budget allocation
• Implementation cost for E-Banking
• Timeline for E-Banking software installation
Implement E Banking
• Overview
• Key Statistics
• Market Segmentation
o Banking Type
o Solution Type
• Products & Services
• Leading Industry Players
• Reasons for Implication of Online Banking
CONTENTS Executive summary
Vendors for E Banking software’s
Company overview
Federal regulations
Problem statement
• Financial impact
• Product awareness and usage
• Customer base
• Projected revenue
• Competition benchmark
Impacts / Results
• Integration with E Commerce
• Relative reduction in company expenses
• Transaction count
• Financial growth
• Increase in customer base
Industry analysis
• Porter 5 Forces Analysis
• PESTEL Analysis
Recommendations
11
Overview
Electronic banking refers to banking where
transactions are carried out through electronic medium-
Includes technology that allows bank to operate
business electronically
Includes various aspects i.e. Internet banking,
Online Banking and e-payments
Cost effective and efficient way for conducting
financial transactions
Different forms of E Banking
Telephone Banking
Online Banking
Mobile Banking
E Banking
SMS Banking
Internet Banking
Any Branch Banking
Electronic
Fund Transfer
Electronic
Payment System
Plastic / E-Money
Debit/Credit
/ATM Cards
This slide covers
the brief overview
about E Banking.
You can make
changes
accordingly
Brief introduction about electronic banking
12
13
2018 2019
Key Statistics for Online Banking Usage & Behavior Trends
Online banking is used
by 63% of adults
42%
44% 44%
50%
53%
55%
60%
63%
0
10
20
30
40
50
60
70
80
90
100
2011 2012 2013 2014 2015 2016 2017 2018
In $million
Smartphone Banking is on the Rise
Customer Channel Behavior Trends
25%
10%
15%
Online PC
dominant
Mobile
dominant
Both
Decline PC
Dominant
20%
Mobile
Dominant
15%
Both
14%
This slide covers
statistics for
customer
preference about
E Banking .You
can make changes
accordingly
Facts and figures for displaying customers preference towards electronic banking
14
2017
2018
2012
2018
2012
2018
2012
2018
Key Statistics for Channel Preference in Online Banking
Online Banking usage by
customers aged 16-74
Online Banking Channel Preference
Online ATM Bank Branch Mobile Banking Telephone Agent
Few Times
a Week
Few Times
a Month
Few Times
a Year
Never
2012
2018
This slide covers
statistics for
customer
preference about
E Banking .You
can make changes
accordingly
Facts and figures displaying customers age and channel preference for online banking
0
10
20
30
40
50
60
70
80
90
100
Denmark
Netherlands
Finland
Sweden
Estonia
Luxembourg
United
Kingdom
Belgium
France
Latvia
Ireland
Czech
Republic
Austria
Germany
Lithunia
Slovakia
Malta
Spain
Poland
Slovenia
Hungry
Croatia
Italy
Portugal
Cyprus
Greece
Romania
Bulgaria
15
Market Segmentation
Banking Type
o Mobile Banking
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o Provide Online Services to:
o Firms, Companies, Trusts, Partnerships, etc.
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Corporate Banking
Retail Banking
This slide covers
market
segmentation
based on baking
type for E Banking.
You can make
changes
accordingly
Different segments for global online market based on banking type
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Market Segmentation Based on Solution Type
Solution Type
Payments
Processing
Services
Customer & Channel
Management
Risk
Management
Others
• Online Payments
through debit/credit
cards
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• E-Banking
transactions
through different
payment gateways
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Online channels that
allows customers to
deal with bank
software about their
queries
• ATM, Corporate
Electronic Banking,
etc.
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Handles risk through
different software’s:
• SAS Risk
Management for
Banking
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This slide covers
market
segmentation
based on solution
type for E Banking.
You can make
changes
accordingly
Different segments for solution type including payments, risk management, etc.
Products and Services
E-Banking Products E-Banking Services
Internet Banking, Online Banking
and Web Banking
Mobile Banking
Point of Sales (POS) System
Virtual Banking (use of web site &
wireless application protocol
technologies)
Digital Television Banking
E-Transfer and E-pay
payment device
Account Access
Balance Transfer & payment
Electronic Funds Transfer
Mortgage/Credit Card/
other Lending
Personalized Content & Tools
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This slide covers
different products
& services for E
Banking. You can
make changes
accordingly
Different products & services offered to customers using electronic banking
17
18
Leading Industry Players
Products of Electronic Banking
Mobile Banking Point of Sales (POS) System E Payment Devices Virtual Banking Digital Television Banking
This slide covers
top leading banks
providing E
Banking. You can
make changes
accordingly
Top players in the market providing electronic banking to their customers
B
A
N
K
S
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Implication of Online Banking
Increasing role of information and
communication technologies
• Banks opted to provide services
without any time constraint with the
help of different information and
communication technologies
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Competitive Environment
• Banks in order to survive need to
provide e-banking services due to
presence of multiple competitors
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Availability and low cost of internet
• Internet availability at low cast
enables customer to use banking
services online
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• Add Text Here Increment in user population for
internet, mobile phones & computer
• Individuals of every age limit have
access to either internet, mobile
phones or computer which makes e
banking accessible without any
geographical constraint
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Level of literacy
• Increasing level of literacy enhances
usage of e-banking among persons of
different age limit
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This slide covers
reasons because
of which different
banks provide E
Banking services.
You can make
changes
accordingly
Reasons for rapid expansion of electronic or online banking
Table of
Action plan / Course of action
• Digitalization techniques
• Workforce training
o Outsource appropriate trainers
o Training timeframe
o Budget allocation
• Implementation cost for E-Banking
• Timeline for E-Banking software installation
Implement E Banking
• Overview
• Key statistics
• Market segmentation
o Banking type
o Solution type
• Products & services
• Leading industry players
• Reasons for Implication of Online Banking
CONTENTS Executive summary
Vendors for E Banking software’s
Company overview
Federal Regulations
Problem statement
• Financial impact
• Product awareness and usage
• Customer base
• Projected revenue
• Competition benchmark
Impacts / Results
• Integration with E Commerce
• Relative reduction in company expenses
• Transaction count
• Financial growth
• Increase in customer base
Industry Analysis
• Porter 5 Forces Analysis
• PESTEL Analysis
Recommendations
20
21
Industry Analysis Using Porter 5 Forces
Substitutes
• Non banking companies offer lower
rate of interest than banks on some
of the banking products
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Potential Entrants
• New banks open every year as
per FDIC
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Suppliers
• Banks have various capital sources
to fulfill client’s borrowing needs
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Buyers
• Customers ease for switching
from one bank to other through
comparison on internet
• Add Text Here
Industry Competitors
• Multiple competitors makes
banks to offer products at
lower financing, greater
convenience than their rivals
• Add Text Here
FDIC - Federal Deposit Insurance Corporation
This slide covers
industry analysis
through porter’s 5
forces for E
Banking. You can
make changes to
this slide
accordingly
Porter 5 forces analysis for electronic banking
22
Industry Analysis Using PESTEL
Political
• Monetary Policy
• Regulatory Framework
• Changes in Interest Rates
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PESTLE
Economic
• More Savings
• Improvement in
Banking Channels
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Social
• Changes in lifestyle
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Technological
• Internet Banking
• Mobile Banking
• Add Text Here
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Legal
• Laws and Regulations
• Add Text Here
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Environment
• Ethical Issues
• Add Text Here
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This slide covers
PESTEL analysis
for online banking.
You can make
changes to this
slide accordingly
PESTEL analysis for electronic banking
Federal Regulations
Consumer Protection
• Secured login credentials of online bank account
• Account access denied on entering wrong password for
more than 3 times
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Money Transfer Limits
• Per day limit is set for transfer of
money to different bank accounts
• Add Text Here
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Interest on DD
• Higher interest on Demand draft
• Add Text Here
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Credit Card / Loans
• Online application for credit cards by uploading necessary documents
• Loan immediately gets approved if it is highlighting in account
• Add Text Here
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Access to Information
• Consumer can obtain their credit
information via online bank account,
further can be utilized to dispute any
negative information
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Lending Limits
• Bank limit its total outstanding loans and
credits to any single borrower to no more
than 15% of the bank's total capital
• Add Text Here
• Add Text Here
This slide covers
federal regulations
for online banking.
You can make
changes to this
slide accordingly
Government rules and regulations regarding online banking
23
Table of
Action Plan / Course of Action
• Digitalization Techniques
• Workforce Training
o Outsource Appropriate Trainers
o Training Timeframe
o Budget Allocation
• Implementation Cost for E-Banking
• Timeline for E-Banking Software Installation
Implement E Banking
• Overview
• Key statistics
• Market segmentation
o Banking type
o Solution type
• Products & services
• Leading industry players
• Reasons for Implication of Online Banking
CONTENTS Executive summary
Vendors for E Banking Software’s
Company overview
Federal regulations
Problem statement
• Financial impact
• Product awareness and usage
• Customer base
• Projected revenue
• Competition benchmark
Impacts / Results
• Integration with E Commerce
• Relative reduction in company expenses
• Transaction count
• Financial growth
• Increase in customer base
Industry analysis
• Porter 5 Forces Analysis
• PESTEL Analysis
Recommendations
24
Digitalization Techniques
Biometrics – Enable customers to complete different transactions i.e. opening a bank account
or applying for credit card on the spot with the help of voice, facial or fingerprint verification
Chat Bots – Develop different chat bots using artificial intelligence technology that can
simulate human behaviors
Smart ATMs – Virtual teller machines can be installed at ATMs that enables customers
to perform different bank transactions through ATM
Digital Wallet – Customers can link their bank account to different digital wallets for
ease of payment against any transaction
Analytics – Identifying, interpreting and analyzing customers behavior is necessary for
understanding customers at individual level
System Integration – Bank branches should have agile infrastructure that can integrate
with new and existing platform flawlessly
Augmented / Virtual Reality – Both of the technologies offer improved customer banking
experience, training bank staff and offering data visualization
This slide covers
different ways
related to digital
transformation of
banks. You can
make changes to
this slide
accordingly
Different ways for digital transformation of banks
25
26
Workforce Training
Online Banking Software’s
Mobile Banking Software Internet Banking Software ATM Software Virtual Banking Software Other Software's
This slide covers
training topics for
various online
banking software's.
You can make
changes to this
slide accordingly
Trainers for appropriate training about online banking software's
T
R
A
I
N
E
R
S
27
Timeframe for Workforce Training
The course will be completed within 20-25 days
Content Number of Days
Creation of Customer Master Data 4-5
Opening of various bank accounts i.e. saving, current,
loan, etc.
2-3
Inventory Controls 5-6
Handling and Managing Transactions 6-7
Term Deposit Management 5-6
Report Generation 3-4
The Format is…
40%
Theory
&
60%
Practical
Private classroom can be arranged on weekends,
but minimum batch strength should be 5-6
classroom training of 8 hours each
5 Days
Assessment will be conducted after successful competition of training and passing marks would be 70% which is mandatory to score
This slide covers
timeframe or time
estimate for training
of different online
banking software’s.
You can make
changes to this
slide accordingly
Required Timeline for Training Competition
Price Estimation for Workforce Training
Online Banking Software’s Price ($)
Mobile Banking Software XXXX
Internet Banking Software XXXX
ATM Software XXXX
Virtual Banking Software XXXX
Other Software’s XXXX
Add Text Here XXXX
This slide covers
budget estimation
for training of
different online
banking software’s.
You can make
changes to this
slide accordingly
Cost / budget allocation for training of different software's
28
29
For Contractors & Staff for-
• Hardware & Networking Support
• Software Upgrades & Bug Fixes
• Custom Development (Mobile & Reporting)
30%
30%
25%
15%
Implementation Cost
Software Fees
For software license &
annual maintenance
Implementation People Costs
Consultants and staff time for
implementing a new system
On-Going Infrastructure Expense
On-Going People Costs
For maintaining & replacing-
• Servers system software
• Networking equipment
• User devices
This slide covers
online banking
software installation
and implementation
cost. You can make
changes to this
slide accordingly
Expenses for installation of electronic banking software’s
Monthly Implementation Cost
Bank systems is integrated with server systems to resolve any challenges
New hardware with increased RAM & ROM which is compatible with online banking software’s
• Improved hardware for server systems that can tackle handling of software for smooth functioning
Assumptions
This slide covers
online banking
software installation
and implementation
cost. You can make
changes to this
slide accordingly
Monthly expenses for implementing electronic banking software's
Servers, $600000
Hardware, $150000
System integration, $250000
Software, $150000
Other Infrastructure, $100000
Monthly Costs
16%
32%
38%
14%
Total Yearly Cost
$15 Million
30
31
Quarterly Timeline for Installation (1/3)
Sep Oct Nov
Sep 11 Oct 12
Nov 4
Nov 10 Nov 30
Software Hardware Services System Integration
Sep 8- Oct 7
22 Days
Sep 16- Sep 26
7 Days
Sep 27- Oct 20
18 Days
Oct 4- Nov 16
32 Days
Nov 1- Nov 20
14 Days
11
Days
Sep 8 Oct 4 Nov 21
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Add Text Here Nov 12- Nov 28
Add Text Here
This slide covers
timeframe for
installation of online
banking software’s.
You can make
changes to this slide
accordingly
3 months timeframe for installation of electronic banking software
32
Sep 1- Sep 5
Sep 10- Sep 15
Yearly Timeline for Installation (2/3)
Servers
Hardware
Software
System Integration
Other Infrastructure
Implementation People
Maintaining Existing
Infrastructure
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Add Text Here
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Sun Jan 1 Tue Jul 18 Wed Nov 1
Feb1-Mar 31
Mar 7-Jun 22
Apr 4- May 12
Apr 15- Jun 1
Jun 15- Aug 15
Sep 25- Sep 30
Oct 1- Dec 7
This slide covers
timeframe for
installation of online
banking software’s.
You can make
changes to this slide
accordingly
12 months timeframe for installation of electronic banking software
33
Monday Tuesday Wednesday Thursday Friday Saturday Sunday
Upgrading Software & Bug Fixes
Weekly Timeline for Installation (3/3)
Week
Software license and Maintenance
Consultants and staff time for implementing new system
Replacing New Infrastructure
Add Text Here
Add Text Here
This slide covers
timeframe for
installation of online
banking software’s.
You can make
changes to this slide
accordingly
1-week timeframe for installation of electronic banking software
TA
S
K
S
34
Vendors
Mobile Banking Software ATM Software Virtual Banking Software Internet Banking Software
Price Features Price Features Price Features Price Features
Vendor 1 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature
Vendor 2 $XXX Add Feature
Vendor 3 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature
Vendor 4 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature
Vendor 5 $XXX Add Feature $XXX Add Feature
Vendor 6 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature
Electronic Banking Vendors
Online banking software’s and their price
This slide covers
different vendors
providing E Banking
software's to banks.
You can make
changes to this slide
accordingly
List of vendors developing online banking software’s
Table of
Action plan / Course of action
• Digitalization techniques
• Workforce training
o Outsource appropriate trainers
o Training timeframe
o Budget allocation
• Implementation cost for E-Banking
• Timeline for E-Banking software installation
Implement E Banking
• Overview
• Key statistics
• Market segmentation
o Banking type
o Solution type
• Products & services
• Leading industry players
• Reasons for Implication of Online Banking
CONTENTS Executive summary
Vendors for E Banking software’s
Company Overview
Federal regulations
Problem statement
• Financial impact
• Product awareness and usage
• Customer base
• Projected revenue
• Competition benchmark
Impacts / Results
• Integration with E Commerce
• Relative Reduction in Company Expenses
• Transaction Count
• Financial Growth
• Increase in Customer Base
Industry analysis
• Porter 5 Forces Analysis
• PESTEL Analysis
Recommendations
35
Integration with E Commerce Platforms
In today’s digital era becoming online will provide the option of integration with E Commerce
Mostly customers prefer shopping over online platform and make online payments
Presence on different E Commerce platforms will increase customers preference towards our bank in comparison
with competitors
Proposed integration with different
E-Commerce websites
Amazon
Myntra
Flipkart
E Bay
Paytm
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This slide covers
alliance with different
E Commerce
websites for benefit
of organization. You
can make changes to
this slide accordingly
Alliances with different E Commerce websites
36
Relative Reduction in Company Expenses 37
Online presence will result in automation because of which existing employees will be able to
cater more customers
In case of business growth, requirement of hiring more employees will be reduced
Add Text Here
Add Text Here
This slide covers
reduction in future
workforce due to
automation by online
banking. You can
make changes to this
slide accordingly
Automation increases employee's efficiency
Employee to Customer Ratio
Before Implementing E-Banking Before Implementing E-Banking
1:20 1:10
Transaction Count
Products
2015-2018 Transaction Count
(Offline Mode)
2019-2022 Transaction count
(online mode)
Forecasted / Estimated
Small Business Loan 450 850
Working Capital Loan 500 900
Credit Cards 350 745
Home Loans 440 800
Personal Loans 550 869
Savings Deposits 600 900
Number of transactions by customers during online mode will increase in respect to offline mode
Different payments made on E Commerce websites
Apply for different bank products & services i.e. credit cards, loans, deposits, etc.
Add Text Here
Add Text Here
This slide covers
estimated count of
different transactions
being online. You
can make changes to
this slide accordingly
Comparison between transaction count being offline and online
38
Financial Growth
Financials
2015 Figures
In Dollars ($)
2016 Figures
In Dollars ($)
2017 Figures
In Dollars ($)
2018 Figures
In Dollars ($)
2019 Forecasted
Figures (Online mode)
In dollars ($)
Net Sales 2,17,700 2,19,540 65,540 45,930 63,000
Other Income 3,280 4,020 830 910 4,000
Total Revenue 2,20,980 2,23,560 66,370 46,840 68,854
Gross Profit 71,900 72,360 11,450 8,080 17,869
Profit After Tax 7,140 6,600 2,450 -190 9,874
Net sales of bank after implementing E Banking will increase eventually
Start attracting different customers through presence on different online platforms
Easy access will make customers purchase required product or services of bank based on their requirement
Effective E Banking serves will increase customers referral's towards different products or services
Add Text Here
This slide covers
forecasted figures of
different financials
after deploying online
banking. You can
make changes to this
slide accordingly
Increment in sales after deploying electronic banking
39
Increase in Customer Base
Financial Year Current Account Saving Account Loans Insurance
December 12, 2014 680 863 400 532
December 12, 2015 541 652 357 491
December 12, 2016 467 574 214 351
December 12, 2017 491 521 232 296
December 12, 2018 300 421 145 198
December 12, 2019 (Forecasted) 487 652 300 250
YEAR
This slide covers
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40
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Number of Employees
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Bank ABC
Recommendations
Banks should adopt online mode of operations for ease of their working and customers
Different financial problems occurs because of offline mode due to which customers
starting shifting towards different competitors in the same industry
Online operations increases competitive advantage for banks
Online banking rapidly increase customer base as compared to traditional offline banking
Add Text Here
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45
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90
0
10
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30
40
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100
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
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Online Banking Powerpoint Presentation Slides

  • 2. Discussion about problems faced by bank and customers in absence of online banking Implementing Online banking to overcome the challenges faced Ways or techniques for becoming online from offline mode Respective benefits or advantages for banks on becoming online Add Text Here Add Text Here Add Text Here 2
  • 3. Table of Action Plan / Course of Action • Digitalization Techniques • Workforce Training o Outsource Appropriate Trainers o Training Timeframe o Budget Allocation • Implementation Cost for E-Banking • Timeline for E-Banking Software Installation Implement E Banking • Overview • Key Statistics • Market Segmentation o Banking Type o Solution Type • Products & Services • Leading Industry Players • Reasons for Implication of Online Banking CONTENTS Executive Summary Vendors for E Banking Software’s Company Overview Federal Regulations Problem Statement • Financial Impact • Product Awareness and Usage • Customer Base • Projected Revenue • Competition Benchmark Impacts / Results • Integration with E Commerce • Relative Reduction in Company Expenses • Transaction Count • Financial Growth • Increase in Customer Base Industry Analysis • Porter 5 Forces Analysis • PESTEL Analysis Recommendations 3
  • 4. Table of Action plan / Course of action • Digitalization techniques • Workforce training o Outsource appropriate trainers o Training timeframe o Budget allocation • Implementation cost for E-Banking • Timeline for E-Banking software installation Implement E Banking • Overview • Key statistics • Market segmentation o Banking type o Solution type • Products & services • Leading industry players • Reasons for Implication of Online Banking CONTENTS Executive Summary Vendors for E Banking software’s Company overview Federal regulations Problem Statement • Financial Impact • Product Awareness and Usage • Customer Base • Projected Revenue • Competition Benchmark Impacts / Results • Integration with E Commerce • Relative reduction in company expenses • Transaction count • Financial growth • Increase in customer base Industry analysis • Porter 5 Forces Analysis • PESTEL Analysis Recommendations 4
  • 5. Executive Summary Electronic or online banking is the key requirement for success. Different challenges faced in absence of electronic banking are mentioned below: Revenue started declining as customers end up either closing their bank accounts or stopped maintaining balance in their account Manual fund transfer by customers to different accounts is a troublesome process Customers had to undergo various approvals for loan sanction which is a very lengthy process Customers have to manually visit banks for enquiry about different products Bank was unable to achieve projected or forecasted revenue Add Text Here Different problems in offline banking and need analysis for online banking Add Text Here Add Text Here This slide covers brief overview about challenges faced by banks and customers being offline 5
  • 6. 6 Net Sales Rs m 212,380 217,700 219,540 65,540 45,930 Other Income Rs m 10,830 3,280 4,020 830 910 Total Revenues Rs m 223,210 220,980 223,560 66,370 46,840 Gross Profit Rs m 65,870 71,900 72,360 11,450 8,080 Depreciation Rs m 45,350 38,170 44,840 8,210 7,210 Interest Rs m 30,190 27,550 29,240 2,550 1,860 Profit Before Tax Rs m 1,160 9,460 2,300 1,520 -80 Minority Interest Rs m -920 910 20 30 50 Prior Period Items Rs m 20 30 0 0 0 Extraordinary Inc (Exp) Rs m 0 0 0 0 0 Tax Rs m -10,210 3,260 -4,280 -900 160 Profit After Tax Rs m 10,470 7,140 6,600 2,450 -190 Gross Profit Margin % 31.0 33.0 33.0 17.5 17.6 Effective Tax Rate % -880.2 34.5 -186.1 -59.2 -200.0 Net Profit Margin % 4.9 3.3 3.0 3.7 -0.4 Financial Impact No. of Months Year Ending 12 Mar-14* 12 Mar-15* 12 Mar-16* 12 Mar-17* 12 Mar-18* The slide covers 5 years company financials which show that net sales is constantly decreasing. You can edit the content accordingly *mn = Million Decline in net sales for past 5 years
  • 7. 7 Types of Products / Services Percentage Aware (%) Percentage Using (%) Small Business Loan 55 42 Working Capital Loan 60 50 Term Deposit 40 22 Credit Cards 60 30 Personal Loans 53 20 Mortgages 43 21 Home Loans 45 12 Life Insurance Policies 36 10 Saving Deposits 56 39 Product Awareness and Usage Revealed in one of the survey that more than 45% customers stopped approaching to bank physically which decreased the sales of bank by more than 50% The slide covers product awareness in market and their respective usage percentage. You can edit the content accordingly Customer awareness about different products and decline in usage percentage due to lack of online services
  • 8. Customer Base Financial Year Current Account Saving Account Loans Insurance Year-Over-Year (%) December 12, 2014 680 863 400 532 17 December 12, 2015 541 652 357 491 21 December 12, 2016 467 574 214 351 4 December 12, 2017 491 521 232 296 31 December 12, 2018 300 421 145 198 45 Customers end up closing their bank accounts and started moving towards competitors with online platform The slide customers count of company for past 5 years. You can edit the content accordingly Decline in customers count over past 5 years YEAR 8
  • 9. 9 Projected Revenue Unable to achieve projected or forecasted revenue ($130 Million) as customers started shifting to other banks and bank witnessed decrease in revenue 0 20 40 60 80 100 120 140 2015 2016 2017 2018 2019 0 20 40 60 80 100 120 140 2015 2016 2017 2018 2019 In $million In $million Actual Revenue Projected Revenue The slide covers forecasted revenue that company was not able to achieve due to being offline. You can edit the content accordingly Unable to meet projected revenue being offline
  • 10. 10 Competition Benchmark Bank was unable to achieve projected or forecasted revenue ($130 million) as customers started shifting to other banks Parameters Your Bank Competitor 1 Competitor 2 Competitor 3 Competitor 4 Revenue $200 Million $500 Million $650 Million $450 Million $700 Million Customers Count 10 lakh 10 Million 12 Million 20 Million 15 Million Net Profit ($ million) 200 1,000 1,200 1,150 1,350 Customer Satisfaction Below Average Good Very Good Excellent Good Product Awareness 52% 70% 81% 79% 86% The slide covers comparison among competitors in respect to 5 parameters . You can edit the content accordingly Comparison with competitors based on different parameters
  • 11. Table of Action plan / Course of action • Digitalization techniques • Workforce training o Outsource appropriate trainers o Training timeframe o Budget allocation • Implementation cost for E-Banking • Timeline for E-Banking software installation Implement E Banking • Overview • Key Statistics • Market Segmentation o Banking Type o Solution Type • Products & Services • Leading Industry Players • Reasons for Implication of Online Banking CONTENTS Executive summary Vendors for E Banking software’s Company overview Federal regulations Problem statement • Financial impact • Product awareness and usage • Customer base • Projected revenue • Competition benchmark Impacts / Results • Integration with E Commerce • Relative reduction in company expenses • Transaction count • Financial growth • Increase in customer base Industry analysis • Porter 5 Forces Analysis • PESTEL Analysis Recommendations 11
  • 12. Overview Electronic banking refers to banking where transactions are carried out through electronic medium- Includes technology that allows bank to operate business electronically Includes various aspects i.e. Internet banking, Online Banking and e-payments Cost effective and efficient way for conducting financial transactions Different forms of E Banking Telephone Banking Online Banking Mobile Banking E Banking SMS Banking Internet Banking Any Branch Banking Electronic Fund Transfer Electronic Payment System Plastic / E-Money Debit/Credit /ATM Cards This slide covers the brief overview about E Banking. You can make changes accordingly Brief introduction about electronic banking 12
  • 13. 13 2018 2019 Key Statistics for Online Banking Usage & Behavior Trends Online banking is used by 63% of adults 42% 44% 44% 50% 53% 55% 60% 63% 0 10 20 30 40 50 60 70 80 90 100 2011 2012 2013 2014 2015 2016 2017 2018 In $million Smartphone Banking is on the Rise Customer Channel Behavior Trends 25% 10% 15% Online PC dominant Mobile dominant Both Decline PC Dominant 20% Mobile Dominant 15% Both 14% This slide covers statistics for customer preference about E Banking .You can make changes accordingly Facts and figures for displaying customers preference towards electronic banking
  • 14. 14 2017 2018 2012 2018 2012 2018 2012 2018 Key Statistics for Channel Preference in Online Banking Online Banking usage by customers aged 16-74 Online Banking Channel Preference Online ATM Bank Branch Mobile Banking Telephone Agent Few Times a Week Few Times a Month Few Times a Year Never 2012 2018 This slide covers statistics for customer preference about E Banking .You can make changes accordingly Facts and figures displaying customers age and channel preference for online banking 0 10 20 30 40 50 60 70 80 90 100 Denmark Netherlands Finland Sweden Estonia Luxembourg United Kingdom Belgium France Latvia Ireland Czech Republic Austria Germany Lithunia Slovakia Malta Spain Poland Slovenia Hungry Croatia Italy Portugal Cyprus Greece Romania Bulgaria
  • 15. 15 Market Segmentation Banking Type o Mobile Banking o Add Text Here o Add Text Here o Add Text Here o Add Text Here o Add Text Here o Add Text Here o Add Text Here o Provide Online Services to: o Firms, Companies, Trusts, Partnerships, etc. o Add Text Here o Add Text Here o Add Text Here o Add Text Here o Add Text Here o Add Text Here Corporate Banking Retail Banking This slide covers market segmentation based on baking type for E Banking. You can make changes accordingly Different segments for global online market based on banking type
  • 16. 16 Market Segmentation Based on Solution Type Solution Type Payments Processing Services Customer & Channel Management Risk Management Others • Online Payments through debit/credit cards • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • E-Banking transactions through different payment gateways • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here Online channels that allows customers to deal with bank software about their queries • ATM, Corporate Electronic Banking, etc. • Add Text Here • Add Text Here Handles risk through different software’s: • SAS Risk Management for Banking • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here • Add Text Here This slide covers market segmentation based on solution type for E Banking. You can make changes accordingly Different segments for solution type including payments, risk management, etc.
  • 17. Products and Services E-Banking Products E-Banking Services Internet Banking, Online Banking and Web Banking Mobile Banking Point of Sales (POS) System Virtual Banking (use of web site & wireless application protocol technologies) Digital Television Banking E-Transfer and E-pay payment device Account Access Balance Transfer & payment Electronic Funds Transfer Mortgage/Credit Card/ other Lending Personalized Content & Tools Add Text Here This slide covers different products & services for E Banking. You can make changes accordingly Different products & services offered to customers using electronic banking 17
  • 18. 18 Leading Industry Players Products of Electronic Banking Mobile Banking Point of Sales (POS) System E Payment Devices Virtual Banking Digital Television Banking This slide covers top leading banks providing E Banking. You can make changes accordingly Top players in the market providing electronic banking to their customers B A N K S
  • 19. 19 Implication of Online Banking Increasing role of information and communication technologies • Banks opted to provide services without any time constraint with the help of different information and communication technologies • Add Text Here Competitive Environment • Banks in order to survive need to provide e-banking services due to presence of multiple competitors • Add Text Here • Add Text Here Availability and low cost of internet • Internet availability at low cast enables customer to use banking services online • Add Text Here • Add Text Here Increment in user population for internet, mobile phones & computer • Individuals of every age limit have access to either internet, mobile phones or computer which makes e banking accessible without any geographical constraint • Add Text Here Level of literacy • Increasing level of literacy enhances usage of e-banking among persons of different age limit • Add Text Here • Add Text Here This slide covers reasons because of which different banks provide E Banking services. You can make changes accordingly Reasons for rapid expansion of electronic or online banking
  • 20. Table of Action plan / Course of action • Digitalization techniques • Workforce training o Outsource appropriate trainers o Training timeframe o Budget allocation • Implementation cost for E-Banking • Timeline for E-Banking software installation Implement E Banking • Overview • Key statistics • Market segmentation o Banking type o Solution type • Products & services • Leading industry players • Reasons for Implication of Online Banking CONTENTS Executive summary Vendors for E Banking software’s Company overview Federal Regulations Problem statement • Financial impact • Product awareness and usage • Customer base • Projected revenue • Competition benchmark Impacts / Results • Integration with E Commerce • Relative reduction in company expenses • Transaction count • Financial growth • Increase in customer base Industry Analysis • Porter 5 Forces Analysis • PESTEL Analysis Recommendations 20
  • 21. 21 Industry Analysis Using Porter 5 Forces Substitutes • Non banking companies offer lower rate of interest than banks on some of the banking products • Add Text Here Potential Entrants • New banks open every year as per FDIC • Add Text Here Suppliers • Banks have various capital sources to fulfill client’s borrowing needs • Add Text Here Buyers • Customers ease for switching from one bank to other through comparison on internet • Add Text Here Industry Competitors • Multiple competitors makes banks to offer products at lower financing, greater convenience than their rivals • Add Text Here FDIC - Federal Deposit Insurance Corporation This slide covers industry analysis through porter’s 5 forces for E Banking. You can make changes to this slide accordingly Porter 5 forces analysis for electronic banking
  • 22. 22 Industry Analysis Using PESTEL Political • Monetary Policy • Regulatory Framework • Changes in Interest Rates • Add Text Here • Add Text Here PESTLE Economic • More Savings • Improvement in Banking Channels • Add Text Here • Add Text Here Social • Changes in lifestyle • Add Text Here • Add Text Here • Add Text Here Technological • Internet Banking • Mobile Banking • Add Text Here • Add Text Here Legal • Laws and Regulations • Add Text Here • Add Text Here • Add Text Here Environment • Ethical Issues • Add Text Here • Add Text Here • Add Text Here This slide covers PESTEL analysis for online banking. You can make changes to this slide accordingly PESTEL analysis for electronic banking
  • 23. Federal Regulations Consumer Protection • Secured login credentials of online bank account • Account access denied on entering wrong password for more than 3 times • Add Text Here • Add Text Here Money Transfer Limits • Per day limit is set for transfer of money to different bank accounts • Add Text Here • Add Text Here Interest on DD • Higher interest on Demand draft • Add Text Here • Add Text Here Credit Card / Loans • Online application for credit cards by uploading necessary documents • Loan immediately gets approved if it is highlighting in account • Add Text Here • Add Text Here Access to Information • Consumer can obtain their credit information via online bank account, further can be utilized to dispute any negative information • Add Text Here • Add Text Here Lending Limits • Bank limit its total outstanding loans and credits to any single borrower to no more than 15% of the bank's total capital • Add Text Here • Add Text Here This slide covers federal regulations for online banking. You can make changes to this slide accordingly Government rules and regulations regarding online banking 23
  • 24. Table of Action Plan / Course of Action • Digitalization Techniques • Workforce Training o Outsource Appropriate Trainers o Training Timeframe o Budget Allocation • Implementation Cost for E-Banking • Timeline for E-Banking Software Installation Implement E Banking • Overview • Key statistics • Market segmentation o Banking type o Solution type • Products & services • Leading industry players • Reasons for Implication of Online Banking CONTENTS Executive summary Vendors for E Banking Software’s Company overview Federal regulations Problem statement • Financial impact • Product awareness and usage • Customer base • Projected revenue • Competition benchmark Impacts / Results • Integration with E Commerce • Relative reduction in company expenses • Transaction count • Financial growth • Increase in customer base Industry analysis • Porter 5 Forces Analysis • PESTEL Analysis Recommendations 24
  • 25. Digitalization Techniques Biometrics – Enable customers to complete different transactions i.e. opening a bank account or applying for credit card on the spot with the help of voice, facial or fingerprint verification Chat Bots – Develop different chat bots using artificial intelligence technology that can simulate human behaviors Smart ATMs – Virtual teller machines can be installed at ATMs that enables customers to perform different bank transactions through ATM Digital Wallet – Customers can link their bank account to different digital wallets for ease of payment against any transaction Analytics – Identifying, interpreting and analyzing customers behavior is necessary for understanding customers at individual level System Integration – Bank branches should have agile infrastructure that can integrate with new and existing platform flawlessly Augmented / Virtual Reality – Both of the technologies offer improved customer banking experience, training bank staff and offering data visualization This slide covers different ways related to digital transformation of banks. You can make changes to this slide accordingly Different ways for digital transformation of banks 25
  • 26. 26 Workforce Training Online Banking Software’s Mobile Banking Software Internet Banking Software ATM Software Virtual Banking Software Other Software's This slide covers training topics for various online banking software's. You can make changes to this slide accordingly Trainers for appropriate training about online banking software's T R A I N E R S
  • 27. 27 Timeframe for Workforce Training The course will be completed within 20-25 days Content Number of Days Creation of Customer Master Data 4-5 Opening of various bank accounts i.e. saving, current, loan, etc. 2-3 Inventory Controls 5-6 Handling and Managing Transactions 6-7 Term Deposit Management 5-6 Report Generation 3-4 The Format is… 40% Theory & 60% Practical Private classroom can be arranged on weekends, but minimum batch strength should be 5-6 classroom training of 8 hours each 5 Days Assessment will be conducted after successful competition of training and passing marks would be 70% which is mandatory to score This slide covers timeframe or time estimate for training of different online banking software’s. You can make changes to this slide accordingly Required Timeline for Training Competition
  • 28. Price Estimation for Workforce Training Online Banking Software’s Price ($) Mobile Banking Software XXXX Internet Banking Software XXXX ATM Software XXXX Virtual Banking Software XXXX Other Software’s XXXX Add Text Here XXXX This slide covers budget estimation for training of different online banking software’s. You can make changes to this slide accordingly Cost / budget allocation for training of different software's 28
  • 29. 29 For Contractors & Staff for- • Hardware & Networking Support • Software Upgrades & Bug Fixes • Custom Development (Mobile & Reporting) 30% 30% 25% 15% Implementation Cost Software Fees For software license & annual maintenance Implementation People Costs Consultants and staff time for implementing a new system On-Going Infrastructure Expense On-Going People Costs For maintaining & replacing- • Servers system software • Networking equipment • User devices This slide covers online banking software installation and implementation cost. You can make changes to this slide accordingly Expenses for installation of electronic banking software’s
  • 30. Monthly Implementation Cost Bank systems is integrated with server systems to resolve any challenges New hardware with increased RAM & ROM which is compatible with online banking software’s • Improved hardware for server systems that can tackle handling of software for smooth functioning Assumptions This slide covers online banking software installation and implementation cost. You can make changes to this slide accordingly Monthly expenses for implementing electronic banking software's Servers, $600000 Hardware, $150000 System integration, $250000 Software, $150000 Other Infrastructure, $100000 Monthly Costs 16% 32% 38% 14% Total Yearly Cost $15 Million 30
  • 31. 31 Quarterly Timeline for Installation (1/3) Sep Oct Nov Sep 11 Oct 12 Nov 4 Nov 10 Nov 30 Software Hardware Services System Integration Sep 8- Oct 7 22 Days Sep 16- Sep 26 7 Days Sep 27- Oct 20 18 Days Oct 4- Nov 16 32 Days Nov 1- Nov 20 14 Days 11 Days Sep 8 Oct 4 Nov 21 Add Text Here Add Text Here Add Text Here Add Text Here Add Text Here Nov 12- Nov 28 Add Text Here This slide covers timeframe for installation of online banking software’s. You can make changes to this slide accordingly 3 months timeframe for installation of electronic banking software
  • 32. 32 Sep 1- Sep 5 Sep 10- Sep 15 Yearly Timeline for Installation (2/3) Servers Hardware Software System Integration Other Infrastructure Implementation People Maintaining Existing Infrastructure Add Text Here Add Text Here Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Sun Jan 1 Tue Jul 18 Wed Nov 1 Feb1-Mar 31 Mar 7-Jun 22 Apr 4- May 12 Apr 15- Jun 1 Jun 15- Aug 15 Sep 25- Sep 30 Oct 1- Dec 7 This slide covers timeframe for installation of online banking software’s. You can make changes to this slide accordingly 12 months timeframe for installation of electronic banking software
  • 33. 33 Monday Tuesday Wednesday Thursday Friday Saturday Sunday Upgrading Software & Bug Fixes Weekly Timeline for Installation (3/3) Week Software license and Maintenance Consultants and staff time for implementing new system Replacing New Infrastructure Add Text Here Add Text Here This slide covers timeframe for installation of online banking software’s. You can make changes to this slide accordingly 1-week timeframe for installation of electronic banking software TA S K S
  • 34. 34 Vendors Mobile Banking Software ATM Software Virtual Banking Software Internet Banking Software Price Features Price Features Price Features Price Features Vendor 1 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature Vendor 2 $XXX Add Feature Vendor 3 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature Vendor 4 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature Vendor 5 $XXX Add Feature $XXX Add Feature Vendor 6 $XXX Add Feature $XXX Add Feature $XXX Add Feature $XXX Add Feature Electronic Banking Vendors Online banking software’s and their price This slide covers different vendors providing E Banking software's to banks. You can make changes to this slide accordingly List of vendors developing online banking software’s
  • 35. Table of Action plan / Course of action • Digitalization techniques • Workforce training o Outsource appropriate trainers o Training timeframe o Budget allocation • Implementation cost for E-Banking • Timeline for E-Banking software installation Implement E Banking • Overview • Key statistics • Market segmentation o Banking type o Solution type • Products & services • Leading industry players • Reasons for Implication of Online Banking CONTENTS Executive summary Vendors for E Banking software’s Company Overview Federal regulations Problem statement • Financial impact • Product awareness and usage • Customer base • Projected revenue • Competition benchmark Impacts / Results • Integration with E Commerce • Relative Reduction in Company Expenses • Transaction Count • Financial Growth • Increase in Customer Base Industry analysis • Porter 5 Forces Analysis • PESTEL Analysis Recommendations 35
  • 36. Integration with E Commerce Platforms In today’s digital era becoming online will provide the option of integration with E Commerce Mostly customers prefer shopping over online platform and make online payments Presence on different E Commerce platforms will increase customers preference towards our bank in comparison with competitors Proposed integration with different E-Commerce websites Amazon Myntra Flipkart E Bay Paytm Add Text Here Add Text Here Add Text Here This slide covers alliance with different E Commerce websites for benefit of organization. You can make changes to this slide accordingly Alliances with different E Commerce websites 36
  • 37. Relative Reduction in Company Expenses 37 Online presence will result in automation because of which existing employees will be able to cater more customers In case of business growth, requirement of hiring more employees will be reduced Add Text Here Add Text Here This slide covers reduction in future workforce due to automation by online banking. You can make changes to this slide accordingly Automation increases employee's efficiency Employee to Customer Ratio Before Implementing E-Banking Before Implementing E-Banking 1:20 1:10
  • 38. Transaction Count Products 2015-2018 Transaction Count (Offline Mode) 2019-2022 Transaction count (online mode) Forecasted / Estimated Small Business Loan 450 850 Working Capital Loan 500 900 Credit Cards 350 745 Home Loans 440 800 Personal Loans 550 869 Savings Deposits 600 900 Number of transactions by customers during online mode will increase in respect to offline mode Different payments made on E Commerce websites Apply for different bank products & services i.e. credit cards, loans, deposits, etc. Add Text Here Add Text Here This slide covers estimated count of different transactions being online. You can make changes to this slide accordingly Comparison between transaction count being offline and online 38
  • 39. Financial Growth Financials 2015 Figures In Dollars ($) 2016 Figures In Dollars ($) 2017 Figures In Dollars ($) 2018 Figures In Dollars ($) 2019 Forecasted Figures (Online mode) In dollars ($) Net Sales 2,17,700 2,19,540 65,540 45,930 63,000 Other Income 3,280 4,020 830 910 4,000 Total Revenue 2,20,980 2,23,560 66,370 46,840 68,854 Gross Profit 71,900 72,360 11,450 8,080 17,869 Profit After Tax 7,140 6,600 2,450 -190 9,874 Net sales of bank after implementing E Banking will increase eventually Start attracting different customers through presence on different online platforms Easy access will make customers purchase required product or services of bank based on their requirement Effective E Banking serves will increase customers referral's towards different products or services Add Text Here This slide covers forecasted figures of different financials after deploying online banking. You can make changes to this slide accordingly Increment in sales after deploying electronic banking 39
  • 40. Increase in Customer Base Financial Year Current Account Saving Account Loans Insurance December 12, 2014 680 863 400 532 December 12, 2015 541 652 357 491 December 12, 2016 467 574 214 351 December 12, 2017 491 521 232 296 December 12, 2018 300 421 145 198 December 12, 2019 (Forecasted) 487 652 300 250 YEAR This slide covers forecasted count of different customers being online. You can make changes to this slide accordingly Improvement in customer count from previous figures post deployment of electronic banking 40
  • 41. 41 Number of Employees • Add Text Here Company Overview Bank Snapshot Key Strategic Moves and Developments • Add Text Here Values • Add Text Here • Add Text Here Overview • Add Text Here Operating Business Segments • Add Text Here Performance • Add Text Here Achievements This slide covers brief profile of banks providing online banking services. You can make changes to this slide accordingly Profile for bank currently using electronic banking Bank ABC
  • 42. Recommendations Banks should adopt online mode of operations for ease of their working and customers Different financial problems occurs because of offline mode due to which customers starting shifting towards different competitors in the same industry Online operations increases competitive advantage for banks Online banking rapidly increase customer base as compared to traditional offline banking Add Text Here Add Text Here Based on the different facts and figures mentioned above, few recommendations about adoptions of online banking is stated below: This slide covers brief profile of banks providing online banking services. You can make changes to this slide accordingly Different suggestions / views regarding implication of Electronic banking 42
  • 45. Graphs and Charts 45 20 30 55 50 85 35 75 80 0 10 20 30 40 50 60 70 80 90 100 Q1 Q2 Q3 Q4 (in percentage) 2020 01 Product This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”. 02 Product This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”.
  • 46. 46 Line Chart 20 15 26 34 75 35 55 25 65 45 95 80 30 20 45 40 95 50 70 40 80 65 70 90 0 10 20 30 40 50 60 70 80 90 100 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2020 01 Product This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”. 02 Product This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”.
  • 47. 47 Roadmap 1/5 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2018 2020 2019 This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
  • 48. 48 Roadmap 2/5 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2017 2018 2019 2020 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
  • 49. 49 Roadmap 3/5 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2016 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2018 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2020 2017 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2019 This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
  • 50. 50 Roadmap 4/5 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2015 2016 2017 2020 2019 2018 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
  • 51. 51 Roadmap 5/5 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2014 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2016 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2018 2015 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2017 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2019 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 2020
  • 52. 52 90 60 30 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. 30 60 90 Days Plan
  • 53. 53 Our Team This is a representative image, and should be replaced by your own image. Just right click and replace image. Name Here Designation This is a representative image, and should be replaced by your own image. Just right click and replace image. Name Here Designation This is a representative image, and should be replaced by your own image. Just right click and replace image. Name Here Designation This is a representative image, and should be replaced by your own image. Just right click and replace image. Name Here Designation This is a representative image, and should be replaced by your own image. Just right click and replace image. Name Here Designation
  • 54. Our Vision This is a representative image, and should be replaced by your own image. Just right click and replace image. Our Mission This is a representative image, and should be replaced by your own image. Just right click and replace image. Our Goal This is a representative image, and should be replaced by your own image. Just right click and replace image. Our Mission 54
  • 55. 55 Gantt Chart Year 1 Year 2 Year 3 Your Text Here Your Text Here Your Text Here Your Text Here Your Text Here Your Text Here Your Text Here Activity
  • 56. Our Target 56 This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
  • 57. 57 Post It Notes Text Here This slide is 100% editable. Adapt it to your needs and capture your audience's attention. Text Here Text Here Text Here This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention. This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
  • 58. 58 Quotes Success is a lousy teacher. It seduces smart people into thinking they can’t lose.
  • 59. Financial Minimum This is a representative image, and should be replaced by your own image. Just right click and replace image. Medium This is a representative image, and should be replaced by your own image. Just right click and replace image. Maximum This is a representative image, and should be replaced by your own image. Just right click and replace image. 59
  • 60. 60 Mind Map Text Here This is a representative image, & should be replaced by your own image. Just right click & replace image. Text Here This is a representative image, & should be replaced by your own image. Just right click & replace image. Text Here This is a representative image, and should be replaced by your own image. Just right click and replace image. Text Here This is a representative image, and should be replaced by your own image. Just right click and replace image.
  • 61. 61 This is a representative image, and should be replaced by your own image. Just right click and replace image. Email Address emailaddress123@gmail.com Address # street number, city, state Contact Number 0123456789