Final ppt of project

We understand your world

Prepared by:

Ruchi Gulati MBA-3RD SEM

9942

About HDFC…About HDFC… Incorporated in the year of 1994 by HDFC Ltd. India's premier housing finance company.

It was among the first companies to receive an 'in principle' approval from the RBI to set up a bank in the private sector.

The Bank commenced its operations as a Scheduled Commercial Bank in January 1995.

Authorized share capital is 550 crore.

Its branches are 1725 in india and has a network of 4393 ATM’s across india

Mergers & Amalgamations…Mergers & Amalgamations…

2000 Times bank limited merged

with HDFC bank

2008 HDFC acquired Centurian

Bank of Punjab

Products & services…Products & services…

Electronic Banking…Electronic Banking…

E-Banking is combination of two, electronic technology and banking.

It is a process by which a customer performs banking transactions electronically without visiting brick and morter institutions.

It is also called online and internet banking.

E-Banking is delivery of banking services to the customer through the use of electronic communication primarily with the internet.

Indian E-Banking scenario…Indian E-Banking scenario…

Opening up of economy in 1991 marked the entry of foreign banks. They brought new technology with them.

ICICI bank kicked off online banking in 1996.

Cost comes down from $ 1.1. to $ 0.27

This is a directbanking because thecustomer get any services on

the spot

This is a online bankingbecause the customerget services from manydistance

This is a wireless orPDA (personal digitalassistance) bankingbecause in this type no anywire is connected andcustomer get services atany where. when he want

TYPES OF BANKING…

TYPES OF E-BANKING…TYPES OF E-BANKING…

Internet Banking Phone BankingMobile Banking

Products and Services of E-BankingProducts and Services of E-BankingProducts

ATMs Debit Cards Credit Cards

Services

RTGS Bill payment Service Fund Transfer Railway Pass Recharging prepaid

phones Shopping Online movie tickets Mutual fund

Objectives of the study…Objectives of the study…

To access the present scenario of the services of E- Banking.

To study the scope of E- Banking in future.

To study the problems faced by the consumers in availing the Internet Banking Services.

To access the satisfaction level experienced by the users of E- Banking Services.

NO. OF USERS WHO HAVE AVAILED THE NO. OF USERS WHO HAVE AVAILED THE ATM FACILITY OF ANY BANK…ATM FACILITY OF ANY BANK…

ATM Users

90%

10%

Yes

No

The users have used the ATM facility of the The users have used the ATM facility of the following banks…following banks…

ATM Users

25

251015

1510

HDFC Bank

SBOP

ICICI Bank

Bank of Punjab

SBI

Not used the facilityof ATM

Preference of the users of ATM card of the Preference of the users of ATM card of the benefits of ATM…benefits of ATM…

Benefits of ATM

20

60

20

It is time saving

Beneficial whencash neededurgently

Convenient

WHETHER THE USERS OF ATM CARD HAVE FACED WHETHER THE USERS OF ATM CARD HAVE FACED

ANY PROBLEM WHILE USING THE ATM CARD:ANY PROBLEM WHILE USING THE ATM CARD:

No. of users facing problem

40%

60%

Yes

No

Problem faced by the users Problem faced by the users

Problem faced using ATM

25

63

12

Card got withheld inmachine

ATM was notworking

Received no helpfrom employees

INTERNET BANKING SERVICES AVAILED BY INTERNET BANKING SERVICES AVAILED BY

THE RESPONDENTSTHE RESPONDENTS Other Internet Banking Services used by users

155

100005065

Credit Card

Transferring one’s money from onecity to any other branch in a city

Opening FD A/c via Internet

Inquire about balance in one's saving,current & FD A/c

TDS on one's FD A/c for currentf inancial year

Givin instr. Over internet for stoppingcheque payments

Request for Cheque Book via Internet

View all transactions on an A/c for aspecif ied period & get copy via e-mail

None of the above

Findings…Findings… Most of the respondents used ATM facility (90% of them availed this facility.)

Respondents were using the ATM facility of private banks more than the public sector banks.

Most of the respondents were satisfied by the ATM facility being used by them.

Most of the respondents feel that the benefit of the ATM card is that it comes handy When cash is needed urgently.

60% of the respondents faced using the ATM faced no problem in using the ATM while 40% of respondents faced a problem while using the ATM.

The major problem faced by the respondents while availing ATM card facility was the ATM was not working and the second common problem was that the card got withheld in the machine.

Suggestions…Suggestions… Take care of your ATM or debit card.

Choose a PIN for your ATM or debit card that’s different from your address, telephone number, social security number, or birthdates.

Keep and compare your receipts for all types of EFT transactions with your periodic statements.

Security should be tightened and information should be protected from hackers & sniffers.

Professionals and trained personnel should always be recruited for proper system of

authorization.

Internet applications should be easy to use so that everyone can take proper advantage of the facilities being provided.

Demonstration should be provided regarding the use of ATM’s because people are still not very much aware of E-banking.

THANK YOU