DIFFERENT TYPES OF SPECIAL

CUSTOMERS

1. Minors
2. Senior citizen
3. Married women
4. Mentally unsound
5. Insolvent
6. Drunkard
7. Blind
MINORS
Acc. To Indian Law until a person completes his
18 year he/she is regarded as a minor.

A minor is under a legal incapacity to enter into

a contract.

This in turn affects his capacity to hold, acquire

or dispose of property in his own name.

Because of disability it is necessary that for the

protection of his interest and management of his
property, he should have a guardian of his
personal property.
SENIOR CITIZEN
MARRIED WOMAN
Married women has right to make
aggreement like she can purchase as well as
sell it according to her wish.

She can avail loan by showing property

document.

But on her inheritant property husband

does'nt have any right to take over it or mis
use it.
MENTALLY UNSOUND
1. Bankers should not open account for
lunatics/ mentally unsound people.

2. Suppose after openig an account if he

became mentally unsound then the banker
should close his account with the Bank.
DRUNKARD
1. If a customer tenders when drunk, a
cheque for which he demands payment,
the banker would be advised to reject the
payment

2. Bank should be carefull while doing

transaction to them.because the onus
Of proving that drunkard was in his senses
lies with the banker.
INSOLVANT
1. The one who does not have capacity to repay
debt money for them we call it as bankrupts.

2. When he has filed in the court a declaration

to the effect that he is unable to pay his debts,
a banker should stop all business transactions
with him.

3. Special care should be taken in the case of

undischarged bankrupts, who are subject to a
number of disqualifications.
BLIND
PURDANASHIN
Techonological Development
Indian Banking System

The techonological development in India
originated in the last decades of the 18th century.


The indian banking sector has witnessed wide
ranging changes under the influence of the
financial sector reformes initiated 1990s .


The approach to such reforms in india has been
of gradual and non disruptive progress through
a consultative process.
Modern Banking Facilities
Core banking system
Automated teller machine
Electronic banking
Electronic fund transfer
 Core Banking Solutions (CBS) are critical to
the competitiveness of large banks, owing to their
sheer size, the number of transactions they
facilitate, and the wide range of their product and
service offerings. Also, as these banks begin to
expand rapidly and customer demands for
centralised operations become louder, the need
to integrate the IT systems of new branches and
subsidiary banks into the CBS is becoming
critical. Banks are constantly looking to cost
effectively upgrade their CBS to make them more
customer-centric, interoperable and scalable.
 Automated Teller Machine
Meaning :- A.T.Ms are computer driven
machine installed at different places
connected to one network to provide
specific banking service to its customer at
any time and at any place. Then the
customer is identified by (A.T.M) cards
with a magentc stripe or a plastic smart
card.
Using an ATM, customer can access their
bank accounts in order to make cash
withdrawals.
(or credit card cash advances)
e.g.:- (withdrawing Japanees Yen from a
bank account containing (U.S) dollars and
exchange at a whole sale exchange rate)
 Electronic banking
This service allows customers to access banking and
investment services via a terminal or personal computer
from the comfort of their office or homes.

They can view balance

Transfering funds b/w checking and saving account.

They can pay certain utility bills by the bank.

We can verify latest rates available of

deposits,passbook,saving account and other investment
options.
 contd...
Electronic banking is not only playing
the fast to make easy access of account
to the customer but also give fast and
accurate for their account.

It provides high security for account to

their transactions.
 EFT
Electronic funds transfer or EFT refers to the computer
Electronic funds transfer or EFT refers to the computer
based systems used to perform financial transactions
electronically.

This term is used for a no. of different concept:

1. Card payment
2. Direct payroll payment to employee
3. Direct debit payment from customer to business
4. Electronic bill payment in online banking
5. Wire transfer via an international banking network
(generally carries a higher fee)
6. Electronic benefit transfer.
THANK YOU
By:
Sathya.R