Good

Afternoon
To the
Respected
Principal & faculty
Members
And My Dear
 e rn m e
- G o v
E
& e
r na n c
- G o v e o
E h if
gm
t
S t
P a ra d i or
T h e g Se c t
a n ki n
i a o n B
In d
 nt ed
re se
P –

h al
us
K n uran ce
a
J Ii ns
om ea r
B .C rd y
III
 Introduction of E -
Government
 Pushing information over the Internet, e.g: regulatory services,
general holidays, public hearing schedules, issue briefs,
notifications, etc.

 Two-way communications between the agency and the

citizen, a business, or another government agency. In this
model, users can engage in dialogue with agencies and post
problems, comments, or requests to the agency.

 Conducting transactions, e.g: lodging tax returns, applying for

services and grants.

 Governance, e.g: online polling, voting, and etc

Source-www.
Wikipedia.com
On- 9/12/08
Introduction Of E -
Governance
Leading by example:-

1) Social
Responsibility
2) Business Ethics
Microsoft's goal over
3) Accountability As far as e- the years has been to
governance share its learning of
4) Transparency projects are how governments are
concerned, the using information
government is
5) Easy access to gradually changing
technology to improve
the way people live,
tangible benefits its role from an learn and work
implementer to a
facilitator and Rajiv Kaul
regulator Managing Director
Manoj Kunkalienka Microsoft India
Executive Director
ICICI Infotech
E – Banking ( Electronic
Banking)
Introduction of banks :-
 History of Banking in India Source- www.
 Nationalisation of Banks in India India Finance &
investment
 Scheduled Commercial Banks in India. guide.com
On- 9/12/08

What Is banking :-
An organization, usually a corporation , chartered by a state or federal
government, which does most or all of the following works :-
 Demand Deposits,
 Time Deposits,
 Provides Loans,
 Collect Cheque & Drafts on behalf of the account holder,
 Provides Safety Lockers , etc.

Source- www.
investorwords.com

On- 10/12/08
Online Banking or Internet
Banking :- allows customers to conduct financial
transactions on a secure website operated by their retail or virtual bank,
credit union or building society.

1) Features of Online Banking :-

1) Transactional :-
i) Electronic bill presentment and payment (EBPP)

ii) Funds transfer

iii) Investment
iv) Loan
2) Non-transactional :-
i) Bank Statement
3) Financial Institution Administration
Source-www.
4) Hosting Administration Wikipedia.com
On- 9/12/08
2) Reasons for adopting
3) Security Of Online the online
banking
Banking :-

1) Attack

2) Counter measures

4) Types Of Online Banking A/c :-

1) Deposit account
2) Personal account
3) Transaction deposit
4) Demat account
5) Trading account
Names Of the banks Providing E-
Banking :-
-ABN-AMRO Bank -ICICI Bank
-American Express Bank -IDBI Bank
-Andhra Bank -Indian Bank
-Allahabad Bank ­Indian Overseas Bank
-Axis Bank (Earlier UTI Bank)
­IndusInd Bank
-Bank of Baroda
­ING Vysya Bank
-Bank of India
-Bank of Maharastra ­Karnataka Bank
-Bank of Punjab ­Oriental Bank of Commerce
-Bank of Rajasthan
­Punjab National Bank
-Canara Bank
-Central Bank of India ­Punjab & Sind Bank
-Centurion Bank -Standard Chartered Bank
-Citi Bank ­State Bank of India (SBI)
-Corporation Bank
­Syndicate Bank
-Dena Bank
-Federal Bank ­UCO Bank Source- www. India
Finance &
-HDFC Bank ­Union Bank of India investment
-HSBC ­United Bank of India guide.com
On- 9/12/08
­Vijaya Bank
 Advantage of Online Banking
:-
1)

2)
Quicker time to market
Greater reach to customers
3) Ability to introduce new products and services quickly and
successfully
4) Ability to understand its customers needs
5) Customers are given access to information easily across any
location
6) Greater customer loyalty
7) Reduces cost of communication
8) Paperless work
9) Transparency
Source- www.
10) Attract new customer India Finance &
investment
guide.com
On- 9/12/08
Disadvantages of Online
Banking :-
 Lack of trust

 Difficult to learn

 Misuse of accounts through

hacking

 Failure of Server

By-Natasha Bantwal
Internet banking frauds :-
1) Spy ware

2) Public access can be injurious

3) Protection

4) Check sites Url

5) Keep your system up to date

6) Always check ‘last logged’

7) Fool-proof password
Some Safe Online Banking
Tips by RBI:-
Protect your Money.
Protect your Internet password.
Protect your PIN.
Protect your Money.
Report lost or stolen credit card immediately.
Check your monthly credit card and bank statements for unusual
activity.Protect your Savings.
Count the number of cheque leaves whenever you receive a new
cheque book.
Source- www.
worldjute.com
On- 9/12/08
Emerging Challenges on
Online Banking for RBI:-
 Demand side pressure due to increasing access to low cost
electronic services.

 Emergence of open standards for banking functionality.

 Growing customer awareness and need of transparency.

 Global players in the fray.

 Close integration of bank services with web based E-commerce for

services through direct electronic payments (E- Cash).
Guidance Lead by RBI on
Online Banking :-
 Only such banks which are licensed and supervised in India and
have a physical presence in India will be permitted to offer mobile
payment service to residents of India.

 Only Indian Rupee based services should be provided.

 Banks may use the services of Business Correspondents for

extending this facility, to their customers.

 The RBI guidelines on “Know Your Customer (KYC)” and “Anti

Money Laundering (AML)” as prescribed by RBI from time to time
would be would be applicable to customers opting for mobile based
banking service.
Source- www.
reservebankofindia.
com
On- 10/12/08
Conclusion :-
Fact that need to be understood that there are some serious
challenges towards smooth transactions in developing countries as:-

 Low level of literacy or e literacy

 Lack of financial Resources
 Deep rooted corruptions, which has seeded in all level of governance
& makes it difficult for implementing any changes.

Lack of leadership which has been exemplified by the sates

like Andhra Pradesh & Karnataka by have dynamic leaders but this
should not dissuade from the objectivity evaluating these initiatives &
there are still some areas of low online banking. Another area which
required attention of researchers and practioners is the fact that e
governance initiative cant be evaluated in stand alone fashion
especially when the technology is changing very fast.
 k s f o r
T ha n
yo u r
c io u s
r e