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Digital Banking

The document discusses various digital banking products and payment systems. It covers topics like ATMs, cards, mobile banking, internet banking, POS terminals, cash deposit machines, branchless banking using business correspondents, marketing strategies for digital products, and domestic payment systems including RuPay, IMPS, NACH, AEPS, CTS, RTGS and NEFT. The document is divided into multiple modules covering introduction, features, operations and risks related to digital banking products and payment infrastructure in India.

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212 views2 pages

Digital Banking

The document discusses various digital banking products and payment systems. It covers topics like ATMs, cards, mobile banking, internet banking, POS terminals, cash deposit machines, branchless banking using business correspondents, marketing strategies for digital products, and domestic payment systems including RuPay, IMPS, NACH, AEPS, CTS, RTGS and NEFT. The document is divided into multiple modules covering introduction, features, operations and risks related to digital banking products and payment infrastructure in India.

Uploaded by

sona
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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MODULE – A

DIGITAL BANKING PRODUCTS  Profitability of CDMs


 Risk Management and Frauds
 Introduction
 Back End Operations and Technology
 Need for Digital Banking Products
 Customer Education for Digital Banking CASH RE-CYCLERS
Products
 Overview
CARDS  Product Features
 Risk Management and Frauds
 Overview and brief history
 Back End Operations and Technology
 Various types of cards
 Product features MOBILE BANKING

EMV technology  Overview and Brief History


 Product Features and Diversity
 New Technologies – Tap and Go, NFC, etc
 IMPS
 Approval Processes for Cards
 Profitability of Mobile Banking
 Profitability of Cards
 Risk Management and Frauds
 Back End operations
 Back End Operations and Technology
 Recovery and Follow up
INTERNET BANKING
ATMs
 Overview and Brief History
 Overview and Brief History
 Product Features
 Product Features
 Corporate and Individual Internet
 Instant Money Transfer Systems
Banking
 Various Value-Added Services (eg., bill
 Integration with e-Commerce
payments, donations, etc)
Merchant sites
 Proprietary, Brown Label and White Label ATMs
 Profitability of Internet Banking
 ATM Network Planning – Onsite / Offsite
 Risk Management and Frauds
 Security and Surveillance of ATM Sites
 Back End Operations and Technology
 Profitability of ATMs
 Risk Management and Frauds POS TERMINALS
 Back End Operations and Technology
 Overview and Brief History
CASH DEPOSIT MACHINES  Product Features
 Approval processes for POS Terminals
 Overview and Brief History
 Profitability of POS business
 Product Features
 Risk Management and Frauds
 CDM Network Planning – Onsite / Offsite
 Back End Operations and Technology
MODULE - B

BRANCHLESS BANKING

 Objectives
 Introduction
 Financial Inclusion – Logic and logistics
 Vehicles for Financial Inclusion
 Business Correspondents / Business facilitators
 Digital Banking Products for Financial Inclusion

MODULE – C

MARKETING OF DIGITAL BANKING PRODUCTS

 Objectives
 Introduction
 Product Planning
 Structure for Marketing Digital Banking Products
 Sales delivery to customers
 Concept of e-Galleries
 After sales service to customers
 Marketing for Financial Inclusion
 Dangers of Mis-selling
 Use of analytics in marketing Digital Banking Products

MODULE - D

PAYMENT SYSTEMS

 Overview of global payment systems


 Overview of domestic payment systems
 RuPay and RuPay Secure
 Immediate Payment Service (IMPS)
 National Unified USSD Platform (NUUP)
 National Automated Clearing House (NACH)
 Aadhaar Enabled Payment System (AEPS)
 e-KYC
 Cheque truncation System (CTS)
 National Financial Switch (NFS)
 RTGS
 NEFT
 Forex settlements
 Securities Settlement
 Innovative Banking & Payment Systems

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