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 Introduction

 Old banking system


 New banking system
 Conclusion
 References
“A bank is a financial institution and a financial
intermediary that accepts deposits and channels those
deposits into lending activities, either directly or
through capital market. A bank connects customers
with capital deficits to customers with capital
surpluses.”
 PHASE 1
Early phase from 1786 to 1969
of Indian banks.

 PHASE 2
Nationalization of Indian Banks
and up to 1991 prior to Indian
banking sector Reforms.

 PHASE 3
New phase of Indian Banking
system with the advent of Indian
Financial & Banking Sector
Reforms after 1991.
 ACCEPTING DEPOSITS
 ISSUAL OF DEMAND
DRAFTS
 GRANTING LOANS &
ADVANCES
 UNDERTAKING SAFE
CUSTODY OF
VALUABLES,IMPORTANT
DOCUMENTS &
SECURITIES BY
PROVIDING SAFE
DEPOSIT VAULTS OR
LOCKERS
 DOCUMENTATION IS
MAINTAINED THROUGH
LEDGERS ONLY.
 MINIMUM BALANCE FOR
OPENING AN ACCOUNT
WAS MORE DURING THIS
PERIOD.
 CREDITS WERE GRANTED
AT VERY HIGH RATE OF
INTEREST.
 TOKEN SYSTEM FOR
WITHDRAWAL OF CASH
FROM THE ACCOUNT.
 POSSIBILITY OF HUMAN ERRORS .
 TIME CONSTRAINT.
 CUSTOMER RELATIONSHIP WAS LIMITED.
 OVER DRAFT WAS NOT AVAILABLE.
 PROCESSING FEES WAS CHARGED FOR ALL
THE TRANSACTIONS .
 PASSING OF CHEQUES WAS DELAYED.
 LIMITED USE OF TECHNOLOGY.
WHY TECHNOLOGY IN BANKS ?
 TO TRANSFORM FINANCIAL SERVICES INDUSTRY IN THE NET-
WORKED WORLD:

-INCREASED OPERATION EFFICIENCY,PROFITABILITY &


PRODUCTIVITY
- SUPERIOR CUSTOMER SERVICE
- PROVIDE SERVICES / PRODUCTS ACROSS A
RANGE OF CHANNELS
- TO BE FUTURISTIC AND HAVE “TIME” VALUE IN ALL ITS
DEALINGS WITH CUSTOMERS
-IMPROVED MANAGEMENT/ACCOUNTABILITY
-BETTER CROSS SELLING ABILITY
-MINIMAL TRANSACTION COST
-IMPROVED FINANCIAL ANALYSIS CAPABILITIES.
Human
Resource
Business empowerment
process Re-
Engineering

Planning for
Disasters

Pre-requisites for
Technology
CORE BANKING
SOLUTIONS(CBS)
“Pooling data at central
server”

CUSTOMER
RELATIONSHIP
MANAGEMENT(CRM)
ELECTRONIC FUND TRANSFER(EFT)
ELECTRONIC CLEARING SYSTEM(ECS)
ANY BRANCH BANKING
RISK MANAGEMENT
ATM’S
CARD MANAGEMENT
MOBILE BANKING
HACKING
PHISHING
PHARMING
SKIMING
TROJAN
“The reforms to the old Banking system with
the advent of technology has bought in a
dramatic change in its functioning and has
increased customer relationship.”
Technology in Indian Banking[Commercial
Banking].
Traditional Banking System in India.
Trend & progress of Banking in India, RBI
2006
Google search.
www.antiphishing.com