banking slide show

8/3/2019 Banking Slide Show

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IMPACT OF INFORMATIONTECHNOLOGY ON

BANKING SECTOR

Presented by Gro


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Acknowledgement

Team Members

v Niranjan Nikalje

v Krishna Kumar

v Kinjal Balar

v

Shital Daradev Sudhanshu Nerurkar

Contributions

v Valuable inputs and guidance from Prof. Roizman

v Special thanks to Mr. Arif Khan for sharing andproviding internet banking access to one of the Banksdiscussed in the presentation.


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STRUCTURE OF

PRESENTATION Overview

The Banks

Factor Grid

Conclusion


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The Bank

History

Overview

EvolutionRole of a Bank

Introduction to Technology

Benefits


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BankPending to add points on

History

Evolution

Role of BankBenefits of Technology

Core Banking

Online Banking

ATM Network

Passbook printer

Others


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Factor Grid

Categorize basis of comparison.

Enlist parameters under individualcategories.

Short list Banks based on definedparameters.

Evaluate each parameter and reward points. Low = 0, Medium = 1, High = 2

Arrive at a conclusion based on points.


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Factor Grid

Sr.No

Factors Rating Axis ICICI

Low (0) Medium (1) High (2)

1. Website

MainWebsite

Too bright or toolight colors.

Small text size.

Requires extensivescrolling eitherhorizontal orvertical.

Readable fontand size. Requires lessscrolling.

Information isorganized.

Readable font andsize.

Proper choice ofcolor backgroundand foreground.

Information/linksmust be organizedunder properheads.

Contd.


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Sr.No



1. Website

MainWebsite

Too muchinformationeither text orimages.

Information notorganized.

Popup or flashycontent.

Website mustnot be longvertical scrollbar must beavoided.

Minimal use offlashy content

2 2

Contd.

Factor Grid


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Sr.No



1. Website

Interface

TimeTaken(Assumption512 kbpsinternetconnection)

User has to

struggle, scroll,search the entirewebsite to findhis/her requiredlink/information.

Above 15seconds

User friendly.

Between 10 15seconds

Extremely User

friendly.

Importantinformations /links can beeasily located.

Within 10seconds

2

2

2

2

Contd.

Factor Grid


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Sr.No



1. Website

LocatingInformation (InternetBanking Link)

Link is notclearly visible.

Not present in

the upper half ofthe screen.

Requiresmultiple

navigation /clicks.

Link is clearlyvisible.

User has to select

from thedropdown, i.e. nodirect link isavailable.

Link is clearlyvisible at theupper half ofthe page.

Categorized

(Corporate, Personal,Credit Card, Loan.)

Use of icons,menus, imagesto indicatepurpose of the

links.

1 2

Contd.

Factor Grid


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Sr.No



1. Website

Ease ofUse

Does not have aclear layout.

Lacks help

facilities.

Poor choice ofwords.

Use of iconsinstead of buttonsor menus.

Tooltip not

available

Clear layout.

Clear layout.

Limited use of

graphics.

Help guideavailable.

Contd.

Factor Grid


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Sr.No



1. Website

Ease ofUse

Incompatiblewith variousbrowsers.

Compatibilitywith variousbrowsers.

Tooltips

wherevernecessary.

2 2

Total Rating on Website 9 10

Contd.

Factor Grid


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Sr.No



2. Online Banking Facility

Login page Along with loginfields it also hasirrelevant links /information.

Requires usermultiplenavigation tocome to themain login page.

Contains onlylogin fields.

Important linksnot available.

Must have onlythe User Id andPassword fields.

Important linksmust beavailable (e.g.Forgot password,generate password.)

2 2

Contd.

Factor Grid


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Sr.No




Securityfeatures

No Encryption

No separatepasswords forlogin andtransactions.

Use of low-costencryptiontechniques or useof in-housesecurity channel.

Authenticatecredentials.

Encryption(SSL)

Authenticatecredentials.

Contd.

Factor Grid


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Sr.No




Securityfeatures

No restrictionsto use back orrefresh buttons.

Virtual keyboardmissing.

VirtualKeyboard

Separatepasswords forperforming

transactions.

Contd.

Factor Grid


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Sr.No




Securityfeatures

Restrictions touse backbutton.

Right clickdisabled.

Informationabout phishingand other onlineattacks.

1 2

Contd.

Factor Grid


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Sr.No




Final Net

Bankingscreen.

Basic account

information notavailable.

Importantinformation /links not

available.

N/A Basic account

informationavailable.

Quick links tomost commonlyused services.

Links to otheroffered onlineservices clearlyvisible.

2 2

Total Ratings on Online Banking Facility 5 6Contd.

Factor Grid


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Sr.

No



3. Features Elementary services offered

Statementoftransactions.

Link / OpenAccounts

1 6 months

Fixed optionsavailable, cannotbe customized.

No such optionavailable.

6 12 months

Can open onlycertain type ofaccounts.

Above 1 year

Custom periodcan be defined.

Can openvarious types ofaccounts.(FD/RD/other sp.Schemes)

1

1

2

2

Contd.

Factor Grid


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Sr.No




DetailedAccountsStatement

View On-screen View On-screen.

Save in a fixedformat.

Print

Save in multipleformats (pdf, txt,xls, money, csv)

View on-screen

Receivestatement viaemail.

Print

2 1

Contd.

Factor Grid


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Sr.No




Fundtransfers

(Push)

No provisionto transferfunds/money.

Only Intra BankFund transfer.

Inter Bank fundtransfer.

Intra Bank fundtransfer.

2 2

ReceiveFunds(Pull)

No provisionto receivefunds/money.

N/A Receivefunds/moneyfrom registeredBanks.

0 2

Total Ratings on Features Elementary services offered 6 8Contd.

Factor Grid


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Sr.No



4. Additional Services

Link LoanAccount.

No suchprovision.

Separate applicationrequired.

Link Loanaccount online.

0 2

Link CreditCardAccount

No suchprovision.

Separate applicationrequired.

Link Credit CardAccount online.

1 2

Apply forDebit /Credit Card

No suchprovision.

N/A Provision toapply online.

0 2

Contd.

Factor Grid


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Sr.No Factors Rating Axis ICICI


4. Additional Services

Bill Pay No such

provision.

Limited payee

option.

Range of payees

covered.

2 2

Re-chargeprepaidmobile

No suchprovision.

Optionavailable butrequires

registration.

Only a fixedmobile number.

Re-charge onlinewithoutregistration.

Desired mobile /service provider.

1 2

Gift Card No suchprovision.

N/A Apply for giftcard online.

2 2

Contd.

Factor Grid


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Click to edit Master text styles


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Click to edit Master text stylesSecond level

Third level Fourth level

Fifth level



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Fifth level



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Fifth level



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Fifth level



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ySecond level


Fifth level



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ySecond level


Fifth level



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Second level Third level

Fourth level Fifth level



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Click to edit Master text stylesS d l l


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Click to edit Master text stylesS d l l


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Conclusion

1 4 7 10 13 16 19 22 25

Overall Rating

(Ratings)

(Parameters)

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