Pervasive Banking is in order, driven by customer demands, competition and technology. Thanks to the Internet, the cost of introducing technology has reduced greatly. Cheaper and better e-devices are now widely available prompting people to take advantage.

There is mutual appreciation for virtual banking in all quarters. Customers are aware of the benefits and are now demanding services over the Internet and other wireless media. Banks have started making special efforts to enhance and add new client delivery channels and services.

eBanking application is a suite of products and provides banks with an impetus to migrate their clients and services to the new e-frame. It is a multi channel Internet delivery system that will interface with the bank’s existing core system, enabling you to provide Internet and wireless banking transaction and information services.

Built using state-of-the-art technology, eBanking application will allow your customers to access their accounts and perform their routine transactions whenever they want and wherever they are through Internet, IVR (Interactive Voice Response system), WAP (Wireless application protocol), SMS (Short Messaging Services) and PDAs (Personal Digital assistants).

Internet Banking allows your customers to log on to the system over the Internet and enjoy the convenience of online banking. Some of the services provided by the Internet Banking system are
Enquiries (check account balances, view statements)
Transfers and Payments (account to account transfers, utility payments)
Personal Services (change password, configure alerts, set limits, personalize services)
Information online (currency rates, deposit/lending rates, charges)

eBanking solution integrates IVR (Interactive Voice Response) system to offer several services over wired telephones. Customers can check their accounts, request cheque books and statements, transfer funds, pay utility bills - all through the wired telephones

Now, with the eBanking Application’s WAP Banking system, customers on the move can still transact with the bank through their WAP enabled cell phones.

WAP Services available along with the eBanking application are:
Enquiries - Account summary, account balance, last ten transactions
Informational services - Currency rates, deposit rates, lending rates, service charges
Request Services - Cheque books, statements by email
Account to account transfers
Utility payments - Telephone, electricity

With SMS Banking, any GSM mobile phone can be used to interact with the bank.

eBanking application offers several alerts that include
Account balances at a specified time
Large debits / credits
Salary Credits
Returned cheques
Maturity of term deposits
Reminders for next loan instalments
Change in rates (currency, deposit, lending rates)
Messages customized for specific customer groups
Broadcast messages to customers on the bank’s latest products and services or just for regular information updates

PDA Banking is similar to banking over a PC. When connected to the Internet, customers can enjoy online banking services viz., check balances, transfer funds and make bill payments.

‘Offline Banking’ using PDAs allows customers to define the transactions at leisure when they are not connected to the internet and process the same later when they are connected.

PDA Banking provides the flexibility of switching between different modes - online and offline - at anytime and anywhere.