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Department of Computer Science and Informatics, University of Kota, Kota
Department of Computer Science and Informatics, University of Kota, Kota
Mobile Banking is an application that lives on
a mobile phone, which access and manipulates
their bank accounts at anytime & anywhere.
Mobile Banking is a system that allows
customers to perform a number of financial
transactions through a mobile device.
Monitoring our Bank accounts through the
Mobiles, is known as Mobile Banking.
5
Mobile Banking Services: 1
Improve customer service and satisfaction.
Reduce Operating costs. (Cheaper than ATM Exp.)
Time Saving Process.
Increase the customer retention.
Transaction become more faster.
Provide multiple services under single mobile.
Also improve the branding.
8
Technology Changes Behavior: 1
Customers’ Behavior:
Save Customer’s Time and Energy.
Reduces Dependency on Bank Branch.
Generate More Transactions.
Become more educated.
Aware of their money.
Access their account 24 hours in a week.(24X7)
9
Technology Changes Behavior: 2
Banks’ Behavior:
Cost effective for Banks.
Be able to Generate More Loyalty.
Increase number of customer by attracting feature.
Reduce the crowding in bank branch.
It enables the bank to be better connected
with their customer.
Helps to retain the valuable customers.
10
Reasons to decided not to use it:
11
Mobile Banking Advantages:
If you have an SBI account then you should register for SBI Mobile
banking. There are absolutely no hidden costs. SBI offers Mobile Banking
to its customers, in convenient, simple, secure form and takes the facility
of banking at anywhere and anytime.
Registration for SBI Mobile banking is available in two forms.
• Only GPRS Enabled App. (State Bank Anywhere)
• SMS + GPRS Enabled App. (State Bank Freedom)
Most importantly the phone number which you have given to SBI
Branch should be in this Mobile Banking Service.
SBI Freedom: 14
Registration Process- 1.
Registration Process- 2.
Step 2:
Now, we need to install
the “SBI Freedom” App on
your mobile.
Step 3:
Open SBI Mobile
banking App. Application
will ask for userid, then
press OK and then press accept to SBI
terms of services.
SBI Freedom: 16
Registration Process- 3.
Step 4:
Then it will ask to change the
PIN. Enter your old password and
choose any 6 characters numeric
PIN as new PIN.
Registration Process- 4.
Step 5:
(i.) Registration from ATM:
Now, Go to your Nearest SBI ATM. Insert your ATM card,
enter your ATM PIN. choose Mobile Banking and then choose
Registration option. Enter your mobile number and confirm it.
You will receive the response from SBI on your mobile number.
Check the transaction slip from the ATM Machine. It must say
"Request accepted for further processing“. You will almost instantly receive
an SMS. or
Registration Process- 5.
Step 6:
Now Send a message like,
“SACCEPT Userid
MPIN” to 9223440000.
Now, Registration Process
has completed…
30
25
20
Yes
15
No
10
5
0
This graph represents the amount of customers who are aware of the
mobile banking facility.
Indians are well aware of the services such as mobile banking which are
provided by banks to them. A service such as mobile banking is definitely not a
new concept to the Indian people.
22
Survey conducted from the Public:
20
15
Yes, it does
10 No, it doesn't
I don’t know
5
This graph represents the amount of customers who are aware whether
their bank provides mobile banking services or not.
23
Survey conducted from the Public:
20
15
Mobile Banking
10
Traditional Banking
5
This graph represents the amount of customers who prefer to bank using mobile
banking services or traditional banking methods.
The main reason for the fall of mobile banking graph is that people believe that
banking through the mobile phone is risky and that it can lead to information falling
into the wrong hands.
24
Survey conducted from the Public:
16
15.5
15
Yes
14.5
No
14
13.5
13
This graph represents that the Indian people are still unsure and are not
confident enough to take transaction using mobile phones.
25
Survey conducted from the Public:
20
15
10 Yes
No
This graph represents the amount of customers that recommend the mobile
banking facility to others. If a customer, who has used the mobile banking facility in the
past, recommends such a facility to others.
“A point to be noted is that even though the Indian people are not fully
confident about mobile banking, but they are willing to experiment with
new ideas and innovations.”
26
Survey conducted from the Public:
14
12 Cost effective for banks
10 Saves Customers' time and
8 energy
6 Reduces dependency on
4 bank branches
2 All of the above
0
Thanks