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TO THE POWERPOINT PRESENTATION
OUR TEAM
DISHON VICTOR ASWIN RAJEEV SUMWON RUSSEL KARUN SHAJI
d a s k c r e a t i o n s
D A S K
FINTECH
Dr G R PUBLIC SCHOOL
F INA NCIA L TECHNO LO GY
OUR FUTURE
Fintech or Financial Technology is
about using technology
to design and deliver financial
services and products
Banks, Insurers and other
financial institutions are
the major users
Start-ups are using it
smooth payment
processes, tackle, fraud,
and more
CREDIT CARD
A credit card is a payment card issued to
users (cardholders) to enable the
cardholder to pay a merchant for goods
and services based on the cardholder's
promise to the card issuer to pay them
for the amounts so paid plus the other
agreed charges. The card issuer (usually
a bank) creates a revolving account and
grants a line of credit to the cardholder,
from which the cardholder can borrow
money for payment to a merchant or as
a cash advance. In other words, credit
cards combine payment services with
extensions of credit.
Complex fee structures in the credit card
industry may limit customers' ability to
comparison shop, help ensure that the
industry is not price-competitive and help
maximize industry profits. Because of this,
legislatures have regulated credit card fees.
A credit card is different from
a charge card, where it requires the balance
to be repaid in full each month. In contrast,
credit cards allow the consumers a
continuing balance of debt, subject
to interest being charged.
A credit card also differs
from a cash card, which
can be used like currency
by the owner of the card.
A credit card differs from a
charge card also in that a
credit card typically
involves a third-party
entity that pays the seller
and is reimbursed by the
buyer, whereas a charge
card simply defers
payment by the buyer
until a later date
PAYTM
Paytm is an Indian electronic
payment and e-commerce
brand based out of Delhi NCR,
India. Launched in August
2010, it is a consumer brand of
parent company One97
Communications. The name is
an acronym for "Payment
Through Mobile. The company
employs over 13,000
employees as of January 2017
and has 3 million offline
merchants across India. It also
operates the Paytm payment
gateway and the Paytm Wallet.
Among other sources of
funding, in 2015, Paytm
became the first Indian
company to receive
funding from Chinese
ecommerce
company Alibaba, after it
raised over $625 million
at a valuation of $1.5
billion. The Alibaba
Group was the biggest
stakeholder in Paytm
parent company One97
Communications
Paytm was founded and incubated by One97
Communications Limited in 2010 as a prepaid
mobile recharge website. In an interview, its
founder Vijay Shekhar Sharma related how he
was inspired during a visit to China when he
saw vegetable vendors using their mobile
phones to receive payments from some
customers
AMAZON
Amazon.com, Inc., is an American electronic
commerce and cloud computing company
based in Seattle, Washington that was
founded by Jeff Bezos on July 5, 1994. The tech
giant is the largest Internet retailer in the
world measured by revenue and market
capitalization, and second largest after Alibaba
Group in terms of total sales. The amazon.com
website started as an online bookstore and
later diversified to sell video
downloads/streaming, MP3
downloads/streaming, audiobook
downloads/streaming, software, vide
electronics, apparel, furniture, food
jewelry. The company also produ
electronics—Kindle e-readers,
TV, and Echo—and is the wor
provider of cloud infrastruc
Amazon also sells certain low-end products like
USB cables under its in-house brand Amazon
Basics. Amazon has separate retail websites for
the United States, the United Kingdom and
Ireland, France, Canada, Germany, Italy, Spain,
Netherlands, Australia, Brazil, Japan, China,
India, and Mexico. In 2016, Dutch, Polish, and
Turkish language versions of the German
Amazon website were also launched. Amazon
also offers international shipping to certain
other countries for some of its products.
In 2015, Amazon surpassed Walmart as the
most valuable retailer in the United States by
market capitalization. Amazon is the fourth
most valuable public company in the world,
the largest Internet company by revenue in the
world, and the eighth largest employer in the
United States.
In 2017, Amazon acquired Whole
Foods Market for $13.4 billion,
which vastly increased Amazon's
presence as a physical retailer.
The acquisition was interpreted by some as a
direct attempt to challenge Walmart and their
brick-and-mortar stores
ONLINE BANKING
Online banking, also known
as internet banking, e-
banking or virtual banking, is
an electronic payment
system that enables
customers of a bank or
other financial institution to
conduct a range of financial
transactions through the
financial institution's website.
Customer numbers are normally not the same as account numbers, because a number of customer accounts
can be linked to the one customer number. Technically, the customer number can be linked to any account with
the financial institution that the customer controls, though the financial institution may limit the range of
accounts that may be accessed to, say, cheque, savings, loan, credit card and similar accounts. The customer
visits the financial institution's secure website, and enters the online banking facility using the customer
number and credentials previously set up. The types of financial transactions which a customer may transact
through online banking are determined by the financial institution, but usually includes obtaining account
balances, a list of the recent transactions, electronic bill payments and funds transfers between a customer's or
another's accounts.
Most banks also enable
a customer to
download copies of
bank statements, which
can be printed at the
customer's premises
(some banks charge a
fee for mailing hard
copies of bank
statements).
The online banking system will typically connect to or be part of the core banking system operated by
a bank and is in contrast to branch banking which was the traditional way customers accessed
banking services. To access a financial institution's online banking facility, a customer with internet
access will need to register with the institution for the service, and set up a password and
other credentials for customer verification. The credentials for online banking is normally not the
same as for telephone or mobile banking.
N IMPRESSIVE TECHNOLOG
NOW,
NFC
Near Field Communication
Near Field Communication – NFC payment apps are widely used today in the retail
industry. NFC is simply a method of contactless communication of data between devices
in close proximity and this technology has already been adopted in Europe, Asia and
gaining popularity in North America. The NFC technology provides a secure architecture
and compatible framework for application vendors to harness the technology for mobile
payment capabilities (e.g. peer-to-peer money exchange).
SOME APPLICATIONS OF NFC
SQUARE WALLET
Square wallet is one of the widely used
mobile wallet app, available on iOS and
Android. You can easily link your credit card
to the app, but instead of paying directly with
the credit card, it requires the use of
merchant cards which is why Square works
only with its own list of merchants. As it is
location based, the store easily knows that
you’re ordering something and will charge it
to the card linked on your Square account.
It features Hands-Free Checkout as well
where you ‘favorite’ the merchant and all you
have to do is say your name at checkout. As
you visit these stores, you can also earn
rewards and discounts on your next visit.
SAMSUNG PAY
Samsung Pay is a mobile
payment and digital wallet service
by Samsung Electronics that lets
users make payments using
compatible phones and other
Samsung-produced devices. The
service supports contactless
payments using near-field
communications, but also
incorporates magnetic secure
transmission that allows contactless
payments to be used on payment
terminals that only support magnetic
stripe and normal contactless cards.
GOOGLE WALLET
A secure mobile wallet app for credit card
information and facilitating NFC transactions.
Instead of tapping your credit card on the NFC
machine at the checkout counter, all you have
to do is wave your smartphone or tap it on
the machine to make your payments. It’ll be
able to identify the credit card information
linked on your Google account.
Link your debit or credit card to your Google
account and you can leave your wallet at
home – but at the moment, it only works with
phones and credit cards from the US and only
in the US. Currently, it supports 20+
merchants on the ground and online,
promising more merchants to come.
VISA PAYWAVE
A contactless payment service. Visa payWave is a convenient NFC mobile payment
app that lets you pay with your card or mobile device by simply waving it over a secure
reader instead of inserting or swiping your card. The payment process will be
authorized, processed and billed in a secure way. All you need to do is check that your
bank is participating in Visa payWave for mobile and that you have downloaded the NFC
payment app to your phone, wave it and go.
PAYPAL
A “bump” method to transfer money or make payments between users.
Paypal is another famous NFC mobile payment service that can send
money between other PayPal users and friends. Available for both iOS and
Android, you can easily send money to other users just like you would on
the PayPal website. It also allows you to view your past transactions in
detail. PayPal is also entering mobile payments via a card reader with the
PayPal Here app.
KEY HEADLINES
 Fintech and users
 Credit cards and its usage
 Paytm and its usage
 Amazon and its usage
 Online banking and its usage
 NFC Technology
• Samsung Pay
• Square Wallet
• Google Wallet
• Visa Paywave
• PayPal
It was a nice experience to do this wonderful
PowerPoint Presentation . First of all we thank
the god almighty for completion of the
PowerPoint Presentation. We thank all teachers
and friends who helped to do this PowerPoint
Presentation.
We thank the ISDC for giving this wonderful
opportunity to participate in this
competition and all others for judging our
ppt
ThankYou
Financial technology

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Financial technology

  • 1. TO THE POWERPOINT PRESENTATION
  • 2. OUR TEAM DISHON VICTOR ASWIN RAJEEV SUMWON RUSSEL KARUN SHAJI d a s k c r e a t i o n s D A S K
  • 3. FINTECH Dr G R PUBLIC SCHOOL F INA NCIA L TECHNO LO GY OUR FUTURE
  • 4. Fintech or Financial Technology is about using technology to design and deliver financial services and products Banks, Insurers and other financial institutions are the major users Start-ups are using it smooth payment processes, tackle, fraud, and more
  • 5. CREDIT CARD A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. In other words, credit cards combine payment services with extensions of credit.
  • 6. Complex fee structures in the credit card industry may limit customers' ability to comparison shop, help ensure that the industry is not price-competitive and help maximize industry profits. Because of this, legislatures have regulated credit card fees. A credit card is different from a charge card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged.
  • 7. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date
  • 8. PAYTM Paytm is an Indian electronic payment and e-commerce brand based out of Delhi NCR, India. Launched in August 2010, it is a consumer brand of parent company One97 Communications. The name is an acronym for "Payment Through Mobile. The company employs over 13,000 employees as of January 2017 and has 3 million offline merchants across India. It also operates the Paytm payment gateway and the Paytm Wallet.
  • 9. Among other sources of funding, in 2015, Paytm became the first Indian company to receive funding from Chinese ecommerce company Alibaba, after it raised over $625 million at a valuation of $1.5 billion. The Alibaba Group was the biggest stakeholder in Paytm parent company One97 Communications
  • 10. Paytm was founded and incubated by One97 Communications Limited in 2010 as a prepaid mobile recharge website. In an interview, its founder Vijay Shekhar Sharma related how he was inspired during a visit to China when he saw vegetable vendors using their mobile phones to receive payments from some customers
  • 11. AMAZON Amazon.com, Inc., is an American electronic commerce and cloud computing company based in Seattle, Washington that was founded by Jeff Bezos on July 5, 1994. The tech giant is the largest Internet retailer in the world measured by revenue and market capitalization, and second largest after Alibaba Group in terms of total sales. The amazon.com website started as an online bookstore and later diversified to sell video downloads/streaming, MP3 downloads/streaming, audiobook downloads/streaming, software, vide electronics, apparel, furniture, food jewelry. The company also produ electronics—Kindle e-readers, TV, and Echo—and is the wor provider of cloud infrastruc
  • 12. Amazon also sells certain low-end products like USB cables under its in-house brand Amazon Basics. Amazon has separate retail websites for the United States, the United Kingdom and Ireland, France, Canada, Germany, Italy, Spain, Netherlands, Australia, Brazil, Japan, China, India, and Mexico. In 2016, Dutch, Polish, and Turkish language versions of the German Amazon website were also launched. Amazon also offers international shipping to certain other countries for some of its products. In 2015, Amazon surpassed Walmart as the most valuable retailer in the United States by market capitalization. Amazon is the fourth most valuable public company in the world, the largest Internet company by revenue in the world, and the eighth largest employer in the United States.
  • 13. In 2017, Amazon acquired Whole Foods Market for $13.4 billion, which vastly increased Amazon's presence as a physical retailer. The acquisition was interpreted by some as a direct attempt to challenge Walmart and their brick-and-mortar stores
  • 14. ONLINE BANKING Online banking, also known as internet banking, e- banking or virtual banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website.
  • 15. Customer numbers are normally not the same as account numbers, because a number of customer accounts can be linked to the one customer number. Technically, the customer number can be linked to any account with the financial institution that the customer controls, though the financial institution may limit the range of accounts that may be accessed to, say, cheque, savings, loan, credit card and similar accounts. The customer visits the financial institution's secure website, and enters the online banking facility using the customer number and credentials previously set up. The types of financial transactions which a customer may transact through online banking are determined by the financial institution, but usually includes obtaining account balances, a list of the recent transactions, electronic bill payments and funds transfers between a customer's or another's accounts. Most banks also enable a customer to download copies of bank statements, which can be printed at the customer's premises (some banks charge a fee for mailing hard copies of bank statements).
  • 16. The online banking system will typically connect to or be part of the core banking system operated by a bank and is in contrast to branch banking which was the traditional way customers accessed banking services. To access a financial institution's online banking facility, a customer with internet access will need to register with the institution for the service, and set up a password and other credentials for customer verification. The credentials for online banking is normally not the same as for telephone or mobile banking.
  • 18. NFC Near Field Communication Near Field Communication – NFC payment apps are widely used today in the retail industry. NFC is simply a method of contactless communication of data between devices in close proximity and this technology has already been adopted in Europe, Asia and gaining popularity in North America. The NFC technology provides a secure architecture and compatible framework for application vendors to harness the technology for mobile payment capabilities (e.g. peer-to-peer money exchange).
  • 19. SOME APPLICATIONS OF NFC SQUARE WALLET Square wallet is one of the widely used mobile wallet app, available on iOS and Android. You can easily link your credit card to the app, but instead of paying directly with the credit card, it requires the use of merchant cards which is why Square works only with its own list of merchants. As it is location based, the store easily knows that you’re ordering something and will charge it to the card linked on your Square account. It features Hands-Free Checkout as well where you ‘favorite’ the merchant and all you have to do is say your name at checkout. As you visit these stores, you can also earn rewards and discounts on your next visit.
  • 20. SAMSUNG PAY Samsung Pay is a mobile payment and digital wallet service by Samsung Electronics that lets users make payments using compatible phones and other Samsung-produced devices. The service supports contactless payments using near-field communications, but also incorporates magnetic secure transmission that allows contactless payments to be used on payment terminals that only support magnetic stripe and normal contactless cards.
  • 21. GOOGLE WALLET A secure mobile wallet app for credit card information and facilitating NFC transactions. Instead of tapping your credit card on the NFC machine at the checkout counter, all you have to do is wave your smartphone or tap it on the machine to make your payments. It’ll be able to identify the credit card information linked on your Google account. Link your debit or credit card to your Google account and you can leave your wallet at home – but at the moment, it only works with phones and credit cards from the US and only in the US. Currently, it supports 20+ merchants on the ground and online, promising more merchants to come.
  • 22. VISA PAYWAVE A contactless payment service. Visa payWave is a convenient NFC mobile payment app that lets you pay with your card or mobile device by simply waving it over a secure reader instead of inserting or swiping your card. The payment process will be authorized, processed and billed in a secure way. All you need to do is check that your bank is participating in Visa payWave for mobile and that you have downloaded the NFC payment app to your phone, wave it and go.
  • 23. PAYPAL A “bump” method to transfer money or make payments between users. Paypal is another famous NFC mobile payment service that can send money between other PayPal users and friends. Available for both iOS and Android, you can easily send money to other users just like you would on the PayPal website. It also allows you to view your past transactions in detail. PayPal is also entering mobile payments via a card reader with the PayPal Here app.
  • 24. KEY HEADLINES  Fintech and users  Credit cards and its usage  Paytm and its usage  Amazon and its usage  Online banking and its usage  NFC Technology • Samsung Pay • Square Wallet • Google Wallet • Visa Paywave • PayPal
  • 25. It was a nice experience to do this wonderful PowerPoint Presentation . First of all we thank the god almighty for completion of the PowerPoint Presentation. We thank all teachers and friends who helped to do this PowerPoint Presentation. We thank the ISDC for giving this wonderful opportunity to participate in this competition and all others for judging our ppt