1. THE 21st CENTURY BANKING Submitted by : AbhishekSasan MBA (IT Br.) 500901515

2. What is ‘Banking ‘ ? Engaging in business of keeping money for savings , Checking accounts for exchange or Issuing or withdrawing loans. An Financial institution licensed by government .

3. What is BankingTechnology ? Use of Sophisticated Information and communication Technologies with Computer Science to offer better Services to it’s Customer’s in a secured , reliable and Affordable manner . Banking technology also subsumes activity of using Computer newly built algorithms in unraveling the patterns of customer behavior by flipping in details If customers , like , transactions .

4. Constituents of Banking Technology Banking Technology Information Technology Computer Science Comm. Technology Marketing science

6. SBI Credit Card

8. Request services

10. Utility bill payments

11. Online share trading

12. Fee payments to insti-tutes such as IIT’s.

17. Credit PPF a/c across Branches

18. Online purchases

19. ez-trade@sbi

21. Process : PC- KIOSK internet based internet KIOSK HOST SBI’s GATEWAY PC INTERNET KIOSK BC DATA SBI COREBANKING VALIDATION FINGER SBI BRANCHES SBI BRANCHES SBI BRANCHES CUSTOMER

22. CBS “BACKBONE”of I-banking Networking service enhancing the customers convenience Used to obtain cash payments by cheque, banker’s cheque & DD etc., A CBS branch is like a Sales & Service Delivery Center. Back office processes/activities are handled through technology at a site, called Data Center.

24. CBEC

25. Customs

27. Auto - pay

29. Operationally any customer can be issued a Loan at home or office through SBI’s I-banking

30. SBI at the “Forefront”

32. ATM BASED-PROCESS (Tech.) SERVICE PROCESS Customer registers for service Forms available at SBI branches ATM locations Billdesk aggregates Registration inform. Billdesk gives data for validation Billdesk does all Checks and provides data formats Next bill onwards Collects data Bill amount and Data shown to Customer on ATM Billdesk does reconcilation and provides payments Customer makes payment at ATM

34. No. of rural branches to go up to 10,000

35. No. of ATMs in rural areas to go up to 6,000

37. No. of ATMs : 151

38. Rural : 40

39. Semi urban : 111

40. No. of RTGS enabled branches : 484