E banking

E banking
e-banking uses the Internet to deliver
traditional banking services to their
customers, such as opening accounts,
transferring funds, and electronic bill
payment.
2 ways:
 First, an existing bank with physical
offices can also establish an online site and
offer e-banking services to its customers in
addition to the regular channel.
 second exist only on the Internet,
allowing users to work with a "virtual" bank.

ATM and POS Application Architecture

Debit Card
Authorization

Switch
System

Credit Card
Authorization
Customer Based Banking
Product Based Customer Based

•Customer introduction •One customer information

file
on different systems
•
•Difficulty in creating •Product factory
new products •
•Different user •Standard graphical user
interfaces for different interface
environments •
•Product based •Consolidated customer
Customer - Bank data
relation
 Banking Application Architecture
Relationship Management

Portfolio
CIF Product Factory
Management
ATM
I
N
Deposit Promissory FX F
POS FBS Securities Notes Import / Export
(TD,DD) O

C
Loans&Credits NBS EFT Cheques Merchant

Information Delivery
Teletel E
Delivery Services

N
T
Sales Support E
Telerom CMS Treasury Payments YKB HR
System
R

Teller (Branch)
Corporate Tables

DAL
Internet Banking
GL / Accounting

Settlement Reporting
Phone Banking
Batch Operations

Internet Shopping

Campaign Credit Risk

PCM Productivity
Management Management

Management & Control

 Data Warehouse
Process
Life Design Transform Extract Deliver
Cycle
Transaction Data Load, Publish
Data Scrubbing and and
index and
Extraction Cleansing Subscribe
Aggregate
Partial
Solutio
ns Data Data Data Histories Data
Mapping Replication and Access
Summaries Tools

Complet
e Integrated Data Warehouse Infrastructure
Integra
ted
Solutio
n
Alternative Delivery
Channels


 Telephon
2
Channel Costs
e
1 .5
Bankin
g
 Internet 1

Bankin
g 0 .5
 Mobile

Bankin 0
g W eb ATM C a l l C e n t eBr r a n c h

 SMS

bankin
g
 WAP
Advantages
Easy to setup an account
Less cost
Easy bank monitoring
Maintain accurate financial records
Bank account security
Convenience
Speed
Anywhere anytime