Branchless Banking Leveraging Information and Communication Technology

 Branchless Bank Leveraging Data and Interaction Technology Article

Table of Articles

Acknowledgements ii

Abbreviation 3

List of Dining tables and Statistics iv

Abstract v

1 . Introduction10

installment payments on your Literature Survey15

3. Analyze and Evaluation of Types of Branchless Banking

3. 1 Models of Branchless Banking

a few. 1 . you Bank-led Model19

3. 1 . 2 Not Bank-led Model20

3. 1 ) 3 BC/BF Model21

several. 2 Examine of Projects taken by other banks

several. 2 . you Andhra Bank Initiative27

3. 2 . a couple of Corp Bank Initiative29

several. 3 Alternatives for Countryside Masses

three or more. 3. one particular Automated Teller Machines (ATM)23

3. three or more. 2 Andhra Bank effort of Mobile phone ATMs24 3. 3. three or more Point of Sales (POS) Devices25

a few. 4 Mobile Banking-

3. 4. 1 Introduction31

3. 5. 2 Models of Mobile Banking31

3. 5. 3 Concerns and Problems 32

a few. 4. some International Encounter on M-Banking from the Philippines34

3. five Risk associated with Branchless Financial

3. your five. 1 E-money Risks 36

3. 5. 2 Agent-related Risks thirty-six

3. five. 3 Unique concerns 39

4. Examine and Analysis of Information and Communication Technology (ICT) Alternatives

5. 1 Introduction40

4. two Study of Information and Interaction Technology Solutions 4. 2 . 1 Intelligent Cards40

5. 2 . 2 NFC Mobile42

4. installment payments on your 3 Hand Held device44

four. 3 Study of models of Technology Solutions Providers

some. 3. 1 Financial Data Network and Operations Limited (FINO)45 four. 3. a couple of Integra Micro Systems (P) Ltd50

some. 3. three or more A Little Community Pvt. Ltd (ALW)52

5. 4 Examine of Technology-driven Model Project

4. four. 1 SBI Tiny Initiative55

5. Function of Regulator56

6. Concerns and Challenges58

7. References60

8. Bout

8. 1 Summary of Discussion during Appointments

8. 1 . one particular Andhra Bank 638. 1 ) 2 Monetary Information Network and Operations Ltd. 66

8. 1 . 3 Integra Micro Devices (P) Limited. 67

eight. 1 . some A Little Universe Pvt. Limited. 69

almost eight. 1 . your five Cranes Application International Ltd. 70

8. 2 Short note about RBI Round on usage of BC/BF Models71 8. 3 Short note in RBI Rounded on KYC Guidelines 73 8. 4 International perspective on Agent-assisted Branchless Banking76

9. Glossary77 G for their beneficial comments and expert direction to the relevant aspect of big t Abbreviation

AMLAnti-Money Laundering

ATM Automated Teller Machine

BCBusiness Correspondent

BFBusiness Facilitator

CSPCustomer Service Point/Provider

CBSCore Banking Solution

CFTCombating Financing pertaining to Terrorism

FINOFinancial Information Network and Businesses Limited

GCCGeneral Purpose Credit Card

iMFASTIntegra's Cellular Financial Applications Secure Airport terminal ICCIntegrated Circuit Chip

ICTInformation and Interaction Technology

JLGJoint Liability Group

KYCKnow The Customer

MFIMicrofinance Institutions

NBFCNon-banking Finance Firm

NGONon Federal government Organization

NFCNear Field Communication

NREGANational Country Employment Assure Act

PINPersonal Identification Amount

PoSPoint of Sales

PoTPoint of Purchase

PSTNPublic Change Transmission Network

RBIReserve Traditional bank Of India

RFIDRadio-Frequency Identification

RRBRegional Rural Bank

SHGSelf-Help Group


List of Characters

Fig 1Number of Personal savings Accounts to Adult Human population -2005

Fig 2Number of Loan Accounts to Mature Population -2005

Fig 3RBI's Business Correspondent Model

Fig 4Andhra Lender Model intended for implementing Federal government Schemes in Rural Areas Fig 5Working model of Text-a-Payment (TAP) inside the Philippines Fig 6Demonstration of NFC Mobile

Fig 7Hand-held device employed by Business Reporter

Fig 8FINO's Solution Structure...

References: • PNB introduces branchless banking support in Bihar: Thursday, summer December, 2007, 17: 36 retrieved coming from utilized on Drive 14, 08

• Dr

• Vendor Independent

• Low cost (around Rs. 4000)

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