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(IT) Applications on Banking Industry International Journal of Computer and Information Technology (ISSN: 2279 – 0764) Volume 04 – Issue 01, January 2015 Impact of Information Technology (IT) Applications on Banking Industry Jnana Ranjan Dhir Rasmi Ranjan Patra HSBC Software Development(India) Computer Science Application, C.P.G.S, Senior Consultan Specialist Orissa University of Agriculture and technology, Pune, India Odisha, India Email: Jnanadhir1 [AT] gmail.com Abstract—Information technology (IT), today, affecting the I. INTRODUCTION daily activity of individuals and organizations. Information Information Technology enables sophisticated product is an input for every activity of organizations, without development, better market infrastructure, techniques to which organizations cannot function efficiently. IT has manage risk and helps the financial intermediaries to reach become a most important element in economic growth and geographical distant and diversified market. At the time of a spine for knowledge-based economies with respect to manual transactions, an account holder had to wait for hours at quality and productivity of offered services and the bank counters for getting a draft or for withdrawing his operations. Therefore, it is a challenge for developing own money. Now, for banking transactions customers are no countries to take advantage of usage of IT in various longer prepared to wait for information or services. They want sectors. Organizations like the banking sector have their banking information and services at their fingertips by benefited significantly from e-banking, which is one among their chosen delivery channel. This creates a problem for the IT applications for strengthening the competitiveness. many banks and financial institutions. Because if they are A combination of regulatory and competitive reasons has unable to provide a fingertip service or IT based service to led to increasing importance of total banking automation their customer, it affects their business. So as per the in the Indian Banking Industry. Benefits of information increasing need of IT, they have now started to provide a wide technology in banking are: operational efficiency, variety of delivery channels like ATM, Phone Banking, productivity and profitability, offering the superior quality Internet Banking, Mobile Banking etc. Today, customer has a customer services, multi-channel, real-time transaction choice to use tailor made products for a quick service. Many processing, ability to better cross selling of products and banks in India have introduced IT for several reasons: - a) services, improved management information system, Adoption of information technology in financial institutions management and accountability, supports supply chain and IT based new services offered by them/competitors b) management activities by automating the tracking of Rising competition in banking industry c) Globalizations in inventory and information among business processes and banking d) To meet the growing demand of customers for across companies.. In creating a viable and efficient mobility, speed, efficiency and economy through various banking system, which can respond adequately to the technology based services e) A technological revolution in the needs of growing economy, technology has a key role to Indian economy Today IT has dramatically changed the play. The technological challenge is to identify suitable functioning of the banks. They have moved from a areas of automation, selecting appropriate software and distributed/disbursed to a centralized environment by priorities the implementation on suitable and cost effective introducing multiple delivery channels like: ATM, Internet, hardware so that in ultimate analysis, gains outweigh the and Mobile etc. From the IT perspective, the banking industry cost. The paper presents: to know the current trend in the can be classified into three categories a) Banks where all the application of IT in the banking industries in India and processes are automated. b) Banks that are in the process of gives an insight into how quality banking has been implementing core banking software and setting up their enhanced via IT. And to know the deployment of IT networking infrastructure. c) Banks that are in the process of facilities in the Indian Banking industry has brought about identifying the core solutions. fundamental changes in the content and quality of banking business in the country. II. WHY TECHNOLOGY IN BANK Indian banking sector is governed and regulated by Reserve Keywords-component; Internet Banking, Information technology, Bank of India (RBI). Adoption of technology started in 1984, E Banking when RBI circulated guidelines for computerization of Banks. Technology in Banks helped to transform financial services www.ijcit.com 157 International Journal of Computer and Information Technology (ISSN: 2279 – 0764) Volume 04 – Issue 01, January 2015 industry in the net-worked world, customer centric, Provide Real Time Gross Settlement (RTGS): was introduced in services / products across a range of channels, to be futuristic India in 2004. It enables transfer money in real time i.e. there and have ―time‖ value in all its dealings with customer. will be no waiting period. Under normal circumstances the Increased operational efficiency, profitability &productivity, transactions are settled as soon as they are processed by Superior Customer Service, Multi-channel, real-time remitting the bank. RTGS is for amount equal or greater than transaction processing, Better Cross-Selling ability, Improved Rs. 2 lacs. In RTGS the beneficiary bank credits the management / accountability, Efficient NPA and Risk beneficiary’s account in a span of two hours after receiving Management, Minimal transaction costs, Improved financial the funds transfer message. RTGS transactions are processed analyses capabilities throughout the working hours of the system. III. COMMUNICATION NETWORK USED IN BANKS MICR (Magnetic Ink Character Recognition) Clearing: is V. BENEFITS OF INFORMATION TECHNOLOGY IN used to speed up the cheque clearing process. Cheque leaves BANKING SECTOR standardized size (8 X 3 2/3‖) are pre-printed with the bank- Apart from doing traditional business like collecting the branch code and account type in MICR strip, while the amount deposits from the public and lending the money to individuals is read manually and fed into the system using the encoders or organizations, banks now days provide services to the all for funds settlements types of customers like individual account holder and company accounts and also to the non customers. The range of BANKNET: Setup by RBI in 1991 to facilitate transfer of services offered differs from bank to bank depending mainly inter-bank/ inter-branch messages within India by Public on the type and size of the bank. Sector banks who are members of this network Information Technology enables new product development, INFINET (Indian Financial Network): Setup by RBI in better market infrastructure, implementation of right 1999. It is a satellite based WAN using VSAT (Very Small techniques for control of risks and helps banks to extend their Aperture Terminal) technology which is widely used in markets geographically. Internet has emerged as an important performing the applications like E-mail, Electronic Clearing medium for delivery of banking products and services. Service - Credit and Debit, Electronic Funds Transfer. A. Benefit to the Customer SWIFT: The Society for Worldwide Interbank Financial Mobile Banking: With increase in usage of mobile phones Telecommunication (SWIFT) provides a network that enables and cellular services, several banks have introduced mobile financial institutions worldwide to send and receive banking which allows customers to perform banking information about financial transactions in a secure, transactions using their mobile phones through Internet. standardized and reliable environment. Swift also sells Mobile banking is very helpful to people who travel frequently software and services to financial institutions, much of it for and enables them to keep track of their banking transaction. use on the SWIFTNet Network, and ISO 9362. Business Mobile banking has until recently most often been performed Identifier Codes (BICs) are popularly known as "SWIFT via SMS or the mobile web. Apple's initial success with codes". iPhone and the rapid growth of phones based on Google's Android (operating system) have led to increasing use of IV. MODE OF PAYMENT special client programs, called apps, downloaded to the mobile National Electronics Funds Transfer (NEFT) and Real Time device. With that said advancements in web technologies such Gross Settlement (RTGS) are two convenient mode of money as HTML5, CSS3 and JavaScript have seen more banks transfer between banks in India. launching mobile web based services to complement native applications. A recent study by Mapa Research suggests that National Electronics Funds Transfer (NEFT): was over a third of banks have mobile device detection upon introduced in 2005. This is an online system transferring funds visiting the banks' main website. A number of things can between financial Institutions. NEFT functions on a deferred happen on mobile detection such as redirecting to an app store, net settlement basis where transactions are completed in batch redirection to a mobile banking specific website or providing a at specified time. NEFT is used for transaction between 2 lacs. menu of mobile banking options for the user to choose from. NEFT is done on a
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