PRESENTED BY

Palvee

11204110180

1) A system of banking in which customers can view their account details, pay bills, and transfer money by means of the internet.

2) The remote delivery of new and traditional banking products and services through electronic delivery channels.

Information Only System Electronic Information Transfer System Fully Electronic Transactional System

Round The Clock Banking

Convenience
Low Service

Profitable Banking

Quality Banking
Speed Banking

Start-up Cost Training & Maintenance Security

Lack Of Skilled Personnel

PC Banking Internet Banking

Digital TV Banking
Text Phone Banking

Bill payment service Credit card customers

Railway pass
Recharging your prepaid phone Shopping at your fingertips

Automated teller machines (ATMs) Smart cards

Telebanking
Internet banking

TRADITIONAL BANKING
Meaning Customers

E-BANKING
Meaning Customers

Branches
Activities

Branches
Activities

Ensuring security while banking online, is to keep your password and pin number a secret. The security of your personal computer is very important for safe internet banking. Therefore, always install antivirus software and software to remove spyware. Checking your bank statements regularly will help you detect any transaction that has taken place without your knowledge.

While banking through the internet, make sure that the banking session is secure.

In addition, always remember to completely log off, after completing the banking session. Nowadays, the banking institutions have come up with a number of safety measures for ensuring secure internet banking.

E-banking is a generic term for delivery of banking services and products E-banking has improved efficiency and convenience The government of India enacted the IT act, 2000 It issued guidelines on risks and control in computer and telecommunication system

One of the earliest banks in South India, "South Indian Bank" came into being during the Swadeshi movement. The establishment of the bank was the fulfillment of the dreams of a group of enterprising men who joined together at Thrissur, a major town (now known as the Cultural Capital of Kerala), In the erstwhile State of Cochin to provide for the people a safe, efficient and service oriented repository of savings of the community on one hand and to free the business community from the clutches of greedy money lenders on the other by providing need based credit at reasonable rates of interest.

APPLICATION OF THE CONCEPTIVE BANK Internet Banking Sibernet is the Internet Banking Service of South Indian Bank Ltd, which allows its customers to avail the banks services through Internet.

Advantages Of Sibernet Online Payments. Conduct Banking Operations from House/Office/Cyber-cafe Service available for 24 hours & 365 days a year Accessible from any where in the world using Internet. Services Offered

Online Bill Payments / Shopping Mall: This facility enables the customers to make payment for goods/services through Internet Banking on-line real time in a secured way. The types of services, for which the payment can be made, include the following: Service Category List of Merchants / Service Providers Mobile Bill Payments BSNL Cellone / Airtel / Idea / RelianceVodafone etc. Insurance Premium Payments LIC / MetLife / TATA AIG / Birla Sun Life / Kotak Mahindra / Prudential ICICI etc.Credit Card Payments SBI Card / CitiBank Card / Barclays Card, etc.Loan Repayment HDFC / CITIBANK Donations / Charity CRY UNICEF.

Inquiries
Get complete details of all your accounts (SB/Deposit/Loan )Print/Save the pass-sheet of any of your Operative accounts for any period. Cheque Status Inquiry Clearing Instruments Inquiry Lien Inquiry Nominee Inquiry Interest Details of Deposit Accounts Print Pass-sheet of any loan account for any period. Funds Transfer Fund transfer between your own operative accounts. Fund transfer to other operative accounts in SIB External fund transfer to other bank branches Tax Payment

E-Banking or electronic banking is A major innovation in the field of banking. Information revolution led to the evolution of internet, internet led to the evolution of E-Commerce & E-Commerce led to the evolution of E-Banking.

E-Banking is a facility under which the customers can perform basic banking transaction electronically, round the clock, throughout the world. Information technology refers to the use of computers & telecommunication for producing storing, obtaining & sending information.

Security Features
The software is from Infosys , a leading Indian Software house. Digital Certificate from Verisign , a global pioneer in e-security ensuring 128-bit encryption. Bank offering Sibernet services for Personal (Individuals/Proprietorship Concerns) and Corporate (Companies/Partnership Firms) customers. The additional services available to the Corporate customers are as follows.

SOUTH INDIAN BANK COLLECTION SYSTEM

The Bank has introduced an attractive product, SIB collect, for fast collection of outstation instruments.The customers of any particular town can deposit their collection instruments and other request in the drop boxes available at all branches at that centre.All the instruments are pooled at a central office via fast courier services and collected very fast. The bank also makes use of its anywhere banking facility for the fast collection of the instruments. This facility is now available at Ernakulam, Thrissur, Chennai, Bangalore and Mumbai.

SOUTH INDIAN BANK COLLECTION SYSTEM

It is a centralized cheque collection system. It is based on the drop box concept It gives freedom to the customer to deposit instruments at convenient centers It gives freedom to the customer to transact at convenient time It saves time to the customer by just dropping the instruments instead of waiting at the counters for acknowledgement. It makes use of any where banking facility concept of finnacle for fast collection. It saves the time of the branches in doing outstation collection and dispatch It is a system based on trust on the banking officials