Black Book
Black Book
Black Book
A STUDY ON E-BANKING
SUBMITTED
IN FULFILLMENT OF THE REQUIREMENTS OF THE
AWARD OF DEGREE
BACHALOR OF MANAGEMENT STUDY
BY
TIRTH VELANI
ROLL NO-41456
T.Y.BMS(SEMESTER V)
UNIVERSAL
M.S.G S.G.K.M COLLEGE OF ARTS,SCIENCE & COMMERCE
TILAK ROAD,GHATKOPAR EAST,
MUMBAI-77
1
DECLARATION
I Mr/Miss_______________ studying in the Third Year of
Bachelor of Management Studies course in the academic year
2016-2017
at
M.S.G
S.G.K.M
college
of
Arts,Science&Commerce,Ghatkopar hearby declare that I have
completed the project titledA STUDY ON E-BANKING as a part
of the course requirements of Bachelor of Management Study of
University of Mumbai.
Date:_______
(TIRTH VELANI)
ROLL NO-41456
Place:Mumbai
2
ACKNOWLEDGEMENT
In completing of this project I am deeply conscious of my debt to
all those,without whose warm support,enragement & guidance
this project was not possible to complete. I am specially greatfull
to MR.SURESH RAO my guide to this project,he actually gave
the life to this project and guidance of my parents & friends this
project took shape.they also provided me much needed criticism
& encouragement.
CERTIFICATE
NAAC ACCREDITED
This is to certify that,Mr/Miss____________ student of
UNIVERSAL COLLEGE,GHATKOPAR studying in T.Y B.M.S
(Semester V),has successfully completed his project report
on___________________________________ in the academic
year 2016-2017 The information submitted is true and original to
the best of the knowledge.
__________________
______________
(Signature of Principal)
__________________
______________
(Signature of Coordinator)
(Signature of External)
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INDEX
SR. NO
CONTENT
CHAPTER 1
1
2
Introduction to E Banking
Scope Of E - Banking
Need Of E - Banking
History Of E - Banking
CHAPTER 2
1
2
3
4
Indian View Of
E - Banking
Global View Of
E - Banking
Evolution of
E - Banking
Usage Of E - Banking
CHAPTER 3
1
2
3
4
Type Of E Banking
SWOT Analysis Of
E - Banking
E Banking Products
How E Banking Can
be Easy
PAGE NO
CHAPTER 4
1
2
Risk In E-Banking
Simple Guidence
For Safe E-Banking
CHAPTER 5
1
2
3
4
Introduction Of
Axis Bank
History Of Axis
Bank
E-Banking In Axis
Bank
Case Study
CHAPTER 6
1
2
3
4
Concusion
Data Analysis
Questionairy
Websites
CHAPTER 1
1.
2.
3.
4.
Introduction To E-Banking
Scope Of E-Banking
Need Of E-Banking
History Of E-Banking
Introduction to E-Banking
The world is changing at a staggering rate and technology is
considered to be the key driver for these changes around us.
An analysis of technology and its uses show that it has
permated in almost every aspect of our life. Many activities
are handled electronic due to acceptance of information
technology at home as well as at work place. Slowly but
steadily, the Indian customers is moving towards the internet
banking. The ATM and the Net transactions are becoming
popular. But the customer is clear on one thing that he wants
net banking to be simple and the banking sector is
matching its steps to the technology. E Banking or Online
banking is a generic term for the delivery of banking services
and products through the electronic channels such as the
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WHAT IS E BANKING ?
Electronic banking is one of the truly widespread avatars of
E Commerce over the world. Various authors define E
Banking differently but the most definition depicting the
meaning and features of E Banking are as follows :1. Banking is a combination of two. Electronic technology
and Banking.
2. Electronic Banking is a process by which a customer
performs banking Transactions electronically without
visiting a brick and mortar institutions.
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WHAT IS E BANKING ?
DEFINATION OF E BANKING
E Banking is defined as the automated delivery of new and
traditional banking products and services directly to customers
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Scope Of E Banking
The traditional mode of banking is manual. It is paper based.
It is now no longer acceptable in the changing global
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OBJECTIVES OF E BANKING
1. The banking at any point of time can give the customers
information related to their
Accounts and accounts status
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HISTORY OF E BANKING
The concept of internet banking has been simultaneously evolving
with the development of the world wide web. Programmers
working on banking data bases comes up with the ideas for online
banking transactions , sometimes during the 1980s. The creative
process of development of these services are probably sparked
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Chapter 2
1.Indian View Of E-Banking
2.Global View Of E-banking
3.Evolution Of E-Banking
4.Usage Of E-Banking
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Indian View
The Reserve Bank of India constituted a working group on
Internet Banking. The group divided the internet banking
products in India into 3 types based on the levels of access
granted. They are : INFORMATION ONLY SYSTEM :- General purpose
information like interest rates , branch location , bank
products and their features , load and deposit
calculations are provided in the banks website. Their
exist facilities for downloading various types of
application forms. The communication is normally done
through email. There is no interaction between the
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Global View
Since the inception,Internet banking has experienced strong and
sustained growth.the world bank report on leapfrogging in efinance pointed out that the three countries with impressive
progress in information technology in this sense are
Estonia,Republic of Korea and Brazil. Creation of the worlds
leading electronic banking system has been done at a remarkable
low cost compared to other world-class internet banks. In the
European Union,60 million people,representing 18 per cent of the
adult population.use online banking in France,the number of
online banking accounts is recording an annual growth rate of 75
per cent. However,Estonia is the country that has become a
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