1 use of ict in banking business enhancement md. mahbubur rahman alam associate professor, bibm,...
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Use of ICT in
Banking Business Enhancement
Md. Mahbubur Rahman AlamAssociate Professor, BIBM, Mirpur, Dhaka.
Cell: 01556323244, Mail: [email protected]
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Traditional Banking Online Banking
Customer is King and Time is MoneyCustomer is King and Information is Money
Customer is Geographically Dependent Customer is Geographically Independent
Customer goes to Bank Bank goes to Customer
Scheduled Time Banking Round the Clock Banking
Physical Bank Physical Bank and Cyber Bank
A Customer is a Customer of a Branch A Customer is a Customer of a Bank
Traditional Vs Onine Banking
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Production Backup
PC banking/ Home banking
Tele-banking Mobile banking ATM
Internet banking Kiosk
POS
Termina
l
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Head Office
Central Server
Terminals
Internet
Customer
Customer
Customer
Banking Network
SWIFT Network
Banking Information System
Central Server
Terminals
Head Office of another bank
POS Terminal
ATM
Banking Kiosk
Branch
Terminals
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Sonali Bank Extranet DBBL Intranet
InternetBangladesh Bank IntranetIslami Bank Intranet
Extranet
Internet, Intranet and Extranet
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Kiosk
Bran
ch Internet
Customer
POSTPSTN
ATM
Branch
Other Bank
Mobile
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ATM 6419
POS 28920
Credit Card 563464
Debit Card 7952877
Prepaid Card 122991
Internet Customer 1467383
Agent 543819
Mobile Account 29467913
Agent Account 41752
ADC
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Number of Transaction in Different Delivery Channels (2015)
July 2015 (Monthly) Yearly (2015)
Transactions Amount (Cr) Transactions Amount (Cr)
MICR
1,721,614
126,675.00
20,659,368
1,520,100.00
Non-MICR
4,222
90.40
50,664
1,084.80
EFT
1,327,946
6,616.00
15,935,352
79,392.00
Credit Card
1,036,287
637.00
12,435,444
7,644.00
Debit Card
11,063,479
8,410.00
132,761,748
100,920.00
Prepaid Card
50,622
32.00
607,464
384.00
International Card 492,891
356.00
5,914,692
4,272.00
Total Card
12,643,279
9,436.00
151,719,348
113,232.00
Internet 519,671
1,674.00
6,236,052
20,088.00
Mobile
97,334,572
13,745.00
1,168,014,864
164,940.00
Agent
70,340
203.00
844,080
2,436.00
POS
1,527,163
1,053.80
18,325,956
12,645.60
E-commerce
93,650
29.30 1,123,800
351.60
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Volume of Transaction in Different Delivery Channels (2011-2014)
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Number of Employees in Banks (1993-2014)
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Impact of ICT National Level, Customer Level, Bank Level Benefit
Information Store, Manage and Process
Fast Data Access and Accurate Information Processing
Enhance Productivity
Paperless Office without Calculating Device
Improve Efficiency
Provide Better and Quick Services
Increase Competitiveness
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E-CRM, E-marketing, AGM Report, Easy Access to Customer
24x7x365 Global Banking
Business Diversification through New Product and Services
(ATM, POS, KIOSK, Mobile, Internet)
Business Volume Increases through New Products, Services and
Attracting new Customers
Income Increases through ATM, SMS, Internet Banking
Plastic Money Implementation
Impact of ICT
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Less Space Required and Elimination of Brick and Mortar Branch
Quick Human Resource Management
Reduction of Postal and Courier Service Cost by EFT (Removal of TT,
DD, Pay Order, Check)
Instant Remittance Transfer
Quick Business Decision
Transform into an E-business
Impact of ICT
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Average Cost Per Transaction
USA India Bangladesh
Manual Branch Banking
$ 1.27 Rs. 256 Tk. 200
Computerized Branch Banking
$ 1.14 RS. 150 Tk. 150
Phone Banking $0.52 Rs. 15 -
ATM Banking $ 0.27 Rs. 27 Tk. 40
Mobile Phone Banking
$0.16 - -
Internet Banking $0.10 Rs. 11 -
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Profit = f (Interest Income, Interest Expenditure, Administrative Cost, ...)
Profit Maximization
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Profit Maximization
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18ICT is the Aircraft
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19ICT Professionals are the Pilots
Auditors are the Engineers Bank is the Passenger
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Safe Landing or Crash?
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21Disaster and Recovery?
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Questions are
Welcome
Thank You