DEPARTMENT OF TECHNICAL EDUCATION

ANDHRA PRADESH
Name : Raja sekhar koduru
Designation : Lecturer in ccp
Branch : Commercial & computer practice
Institute : Govt. polytechnic for women,
kakinada, e.g. district
Year/semster : 3rd Year – VI Semester
Subject : Banking - II
Subject code : ccp-604(b)
Topic : Customer services offered by bank
Duration : 50 mts.
Sub topic : 2.5 Internet banking facilities
– mobile banking
Teaching aids : power point & pictures
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Recap

 In the previous session we have discussed about

Telephone Banking.

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Objectives
 Upon completion of this topic you will be
able to

 Define Mobile Banking.

 List the Services of Mobile banking

 Explain the advantages of Mobile banking

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Structure
 Known to unknown
 Mobile banking
 Meaning
 Features
 Essential requirements
 Services
 Faults
 WAP Banking
 Quiz
 Assignment

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Known to unknown

 Have you seen Mobline Banking?

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Introduction – Mobile Banking:

 In modern times, information exchange

takes place at great speed.
 The dependence of people on computing
devices such as computers, cellular
phones, fax, e-mail and the internet growing
at a galloping rate.
 Such a growth has made the real-time
exchange of information a reality.

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Introduction – Mobile Banking

 The constant innovations happening in

the realm of internet banking has
contributed to a new development called
‘mobile banking’
 The increasingly growing number of
mobile (cell phone) workforce has really
given a cutting edge to the progress of
the internet banking.

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Mobile Banking - Meaning

 The kind of banking that gives a real-time

mobile (cell phone) access to customers on
the move is called ‘mobile banking’.

 The services being offered through ‘mobile

phones’.

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Mobile Banking - Meaning

 DEFINITION: Mobile banking refers to the banking

activity that are carried out on mobile (cell) phone.

 That is, banking is enabled, even while a person is

on the move.

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Mobile Banking - Features

 MOBILE CUSTOMER:
 Those who use ‘Mobile Telephony’ use mobile
banking service.
 Mobile telephony is used through mobile phones.
 M-COMMERCE
 Mobile banking is a part of M-commerce and
business takes place through mobile on-line.

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Mobile Banking - Features
 TECHNOLOGY – BASED

 Mobile banking makes use of the Internet for

transmissions, transaction and delivery of banking
services.
 The network provides the required software
support.

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Mobile Banking - Features

 TYPES OF SERVICES.

 Mobile banking offers the entire internet-based

banking services such as on-line account opening,

account verification, funds transfer etc.

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Mobile Banking - Features
 ELIGIBILITY.
 At present, mobile banking extended only to
individual customers having account with any
branch of a particular bank that offers Internet
Banking facility.
 Further, it is also required the customers is
registered as an Internet Banking customer.

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Mobile Banking - Features

 APPLICATION.

 In order to avail the facility of mobile banking, an

application duly filled is to be submitted to the
bank.
 The application is invariably made available in the
official website of the bank.

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Mobile Banking - Features
 REGISTRATION.

 It is usually required that the customer who

registers for internet banking also registers for
mobile banking.
 For this purpose, a common application form is to
be filled.

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Mobile Banking – Essential
requirements

 To register and use the mobile banking services

it is necessary that following requirements are
met:

1. Services is available only to an existing

customer of the branch availing internet

banking services.

2. Registration for internet banking and mobile

banking services.
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Mobile banking –
Essential requirements

2. Available for the individual customer

3. Need for owning a mobile phone – the mobile

phone should be WAP (Wireless Application
Protocol) enabled whose browser is capable of
sending referrer URL. (Universal Resource
Locator)

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Mobile Banking – Services
 SERVICES:

 Under the gamut of mobile banking the following

services are available:

 SMS banking services

 WAP banking services

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Mobile Banking – Services
 SMS BANKING SERVICES:
 SMS stands for ‘short messaging services’.
 The service enable the mobile banking
customer to access SMS server through
their mobile phone.
 SMS server provides message inputs (query
or request) from mobile phone to the
personal server of Internet Banking
company)
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Mobile Banking – Services

 SMS BANKING SERVICES:

 These are processed and the output
(result/status of request) is sent back to the
customer’s mobile phone through SMS server.
 For SMS banking, one need not connect to
Internet.

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Mobile Phone - Flow

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Mobile Banking – Facilities

 The customer can avail the following

services under the sms banking:

 Making balance enquiry

 Making query of the last five transactions.
 Sending mail to the bank’s Relationship Officer.
 Changing SMS password
 Opting out of SMS

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Mobile Banking – Wap Banking
 Wap banking services
 Banking done through WAP enable phone is
called ‘WAP Banking’
 WAP enable mobile phone is a miniature
computer monitor.
 In order to use WAP banking, one needs to
connect to Internet on WAP enabled mobile
phones.
 Therefore, it is important that the customer
obtains a current internet connection.
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Mobile Banking – Wap Banking

 The customer can avail the following

services under the wap banking:
 Viewing details of account

 Making balance enquiry

 Making query of the last five transactions.

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Mobile Banking

 SUMMARY
 Mobile Banking is seen as being one of the most
important new channels for delivering banking
services.
 To available this facility one must have a mobile
Phone with WAP facility and should have
registered with the bankers.

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Mobile Banking
 SUMMARY
 Those registered, can avail the facilities of

 Checking balances of his account

 Check bank statement information

 Order for statement of cheque book

 Can transfer funds from one account to another.

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QUIZ:

 EXPAND THE FOLLOWING TERMS:

 WAP

 WIRELESS APPLICATION PROTOCOL

 SMS

 SHORT MESSAGE SERVICE

 URL

 UNIVERSAL RESOURCE LOCATOR

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ASSIGNMENT

3. List out the services of Mobile Banking (4marks)

5. List the requirements of Mobile Banking. (4 marks)

7. What is mobile banking?.

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