Prepared By: Siddesh A Bhat

Which Bank has launched DIGITAL APNAYEN campaign to

encourage customers to use digital banking platforms?

A. Punjab National Bank

B. SBI
C. Canara Bank
D. Bank Of Baroda
INTRODUCTION

Issuing Bank Acquiring Bank

Entities
Involved
Cardholder
Network
 1.ISSUING BANK

 Issues credit cards to the customers

 Revenue streams
 Transaction fee(2 to 2.5% profit)

 Late payment fee(1.75 to 4% per month)

 EMI Interest charges

 Cash withdrawal fee

 Over limit fee

 Annual fee
 2.ACQUIRING BANK

 Machine cost
 Transaction cost

3.5%
1.8-2.5%
3.NETWORK

Issuing Bank PROCESSING FEES Acquiring Bank

 AVERAGE ANNUAL SPENDING IN
INDIA

Credit card holders to start spending about Rs 1,50,000 per card annually by
FY21

Source: www.crisilresearch.com
 ₹ 98

fee fee
Acquiring Bank
Income of ₹2

Issuer bank Network

Network clears authorization request

Monthly statements ₹ 97.5

Transaction
₹100
Authorization
paid

Purchase of ₹ 100
Cardholder
Merchant
CONCLUSION