DEPARTMENT OF TECHNICAL EDUCATION
ANDHRA PRADESH
Name : Raja sekhar koduru
Designation : Lecturer in ccp
Branch : Commercial & computer practice
Institute : Govt. polytechnic for women,
kakinada, e.g. district
Year/semster : 3rd Year – VI Semester
Subject : Banking - II
Subject code : ccp-604(b)
Topic : Customer services offered by bank
Duration : 50 mts.
Sub topic : 2.5 Internet banking facilities
– mobile banking
Teaching aids : power point & pictures
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Recap
In the previous session we have discussed about
Telephone Banking.
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Objectives
Upon completion of this topic you will be
able to
Define Mobile Banking.
List the Services of Mobile banking
Explain the advantages of Mobile banking
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Structure
Known to unknown
Mobile banking
Meaning
Features
Essential requirements
Services
Faults
WAP Banking
Quiz
Assignment
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Known to unknown
Have you seen Mobline Banking?
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Introduction – Mobile Banking:
In modern times, information exchange
takes place at great speed.
The dependence of people on computing
devices such as computers, cellular
phones, fax, e-mail and the internet growing
at a galloping rate.
Such a growth has made the real-time
exchange of information a reality.
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Introduction – Mobile Banking
The constant innovations happening in
the realm of internet banking has
contributed to a new development called
‘mobile banking’
The increasingly growing number of
mobile (cell phone) workforce has really
given a cutting edge to the progress of
the internet banking.
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Mobile Banking - Meaning
The kind of banking that gives a real-time
mobile (cell phone) access to customers on
the move is called ‘mobile banking’.
The services being offered through ‘mobile
phones’.
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Mobile Banking - Meaning
DEFINITION: Mobile banking refers to the banking
activity that are carried out on mobile (cell) phone.
That is, banking is enabled, even while a person is
on the move.
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Mobile Banking - Features
MOBILE CUSTOMER:
Those who use ‘Mobile Telephony’ use mobile
banking service.
Mobile telephony is used through mobile phones.
M-COMMERCE
Mobile banking is a part of M-commerce and
business takes place through mobile on-line.
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Mobile Banking - Features
TECHNOLOGY – BASED
Mobile banking makes use of the Internet for
transmissions, transaction and delivery of banking
services.
The network provides the required software
support.
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Mobile Banking - Features
TYPES OF SERVICES.
Mobile banking offers the entire internet-based
banking services such as on-line account opening,
account verification, funds transfer etc.
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Mobile Banking - Features
ELIGIBILITY.
At present, mobile banking extended only to
individual customers having account with any
branch of a particular bank that offers Internet
Banking facility.
Further, it is also required the customers is
registered as an Internet Banking customer.
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Mobile Banking - Features
APPLICATION.
In order to avail the facility of mobile banking, an
application duly filled is to be submitted to the
bank.
The application is invariably made available in the
official website of the bank.
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Mobile Banking - Features
REGISTRATION.
It is usually required that the customer who
registers for internet banking also registers for
mobile banking.
For this purpose, a common application form is to
be filled.
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Mobile Banking – Essential
requirements
To register and use the mobile banking services
it is necessary that following requirements are
met:
1. Services is available only to an existing
customer of the branch availing internet
banking services.
2. Registration for internet banking and mobile
banking services.
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Mobile banking –
Essential requirements
2. Available for the individual customer
3. Need for owning a mobile phone – the mobile
phone should be WAP (Wireless Application
Protocol) enabled whose browser is capable of
sending referrer URL. (Universal Resource
Locator)
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Mobile Banking – Services
SERVICES:
Under the gamut of mobile banking the following
services are available:
SMS banking services
WAP banking services
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Mobile Banking – Services
SMS BANKING SERVICES:
SMS stands for ‘short messaging services’.
The service enable the mobile banking
customer to access SMS server through
their mobile phone.
SMS server provides message inputs (query
or request) from mobile phone to the
personal server of Internet Banking
company)
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Mobile Banking – Services
SMS BANKING SERVICES:
These are processed and the output
(result/status of request) is sent back to the
customer’s mobile phone through SMS server.
For SMS banking, one need not connect to
Internet.
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Mobile Phone - Flow
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Mobile Banking – Facilities
The customer can avail the following
services under the sms banking:
Making balance enquiry
Making query of the last five transactions.
Sending mail to the bank’s Relationship Officer.
Changing SMS password
Opting out of SMS
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Mobile Banking – Wap Banking
Wap banking services
Banking done through WAP enable phone is
called ‘WAP Banking’
WAP enable mobile phone is a miniature
computer monitor.
In order to use WAP banking, one needs to
connect to Internet on WAP enabled mobile
phones.
Therefore, it is important that the customer
obtains a current internet connection.
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Mobile Banking – Wap Banking
The customer can avail the following
services under the wap banking:
Viewing details of account
Making balance enquiry
Making query of the last five transactions.
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Mobile Banking
SUMMARY
Mobile Banking is seen as being one of the most
important new channels for delivering banking
services.
To available this facility one must have a mobile
Phone with WAP facility and should have
registered with the bankers.
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Mobile Banking
SUMMARY
Those registered, can avail the facilities of
Checking balances of his account
Check bank statement information
Order for statement of cheque book
Can transfer funds from one account to another.
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QUIZ:
EXPAND THE FOLLOWING TERMS:
WAP
WIRELESS APPLICATION PROTOCOL
SMS
SHORT MESSAGE SERVICE
URL
UNIVERSAL RESOURCE LOCATOR
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ASSIGNMENT
3. List out the services of Mobile Banking (4marks)
5. List the requirements of Mobile Banking. (4 marks)
7. What is mobile banking?.
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