Professional Documents
Culture Documents
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For the past three decades India's banking system has several
outstanding achievements to its credit. The most striking is its
extensive reach. It is no longer confined to only metropolitans
or cosmopolitans in India. In fact, Indian banking system has
reached even to the remote corners of the country. This is one
of the main reason of India's growth process.
There are three different phases in the history of banking in
India.
£re-Nationalization Era.
Nationalization Stage.
£ost-Liberalization Era.
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- `irect `eposit
Transfers between Accounts
Transfers to a Third £arty
Online Banking
Bank by £hone
ATM
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The key areas of customer¶s services to be attended timely and regularly are:
i. Submission of statement of A/Cs to customers
ii. Updating of savings pass books.
iii. Teller system efficiency.
iv. Cleanliness and Upkeep of premises.
v. Intermediate Credit for institution cheques/land bills.
vi. Advance intimation to customers for rewards of Term `eposits Receipts
on maturity.
vii. Advance for `ebit/credit to accounts.
viii.£unctuality of staff.
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!#!#$%($!) Today the customer is more demanding
and more sophisticated than he or she was thirty years ago.
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*) Credit Card is ³post paid´ or ³pay later´ card
that draws from a credit line-money made available by the
card issuer (bank) and gives one a grace period to pay. If the
amount is not paid full by the end of the period, one is charged
interestÄ
*) `ebit Card is a ³prepaid´ or ³pay now´ card
with some stored value. `ebit Cards quickly debit or subtract
money from one¶s savings account, or if one were taking out
cash.
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Reduce the transaction costs of offering several banking
services and diminishes the need for longer numbers of
expensive brick and mortar branches and staff.
Increase convenience for customers, since they can conduct
many banking transaction 24 hours a day.
Increase customer loyalty.
Improve customer access.
Attract new customers.
Easy online application for all accounts, including personal
loans and mortgages
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American Society for Quality (ASQ) conducted the survey to
identify areas of concern regarding customer service in
financial services. The survey finds:
66% of adults rate the customer service at their financial
institution as above average or average.
85% are very satisfied or satisfied with the products and
services available.
86% of adults feel that it is easy to open a new account.
27% of adults have experienced a problem with their account
in the past year.
About two-thirds (68%) of adults who experienced a problem
are satisfied with the process to get the problem resolved.
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Banking # Technology
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« we need to be ready..