Use of ICT in Banking Business Enhancement Md

Зарегистрируйтесь, чтобы просмотреть полный документ!

Use of ICT in Banking Business Enhancement Md. Mahbubur Rahman Alam Associate Professor, BIBM, Mirpur, Dhaka. Cell: 01556323244, Mail: alam_mr@yahoo. com 1

Traditional Vs Onine Banking Traditional Banking Online Banking Customer is King and Time is Money Customer is King and Information is Money Customer is Geographically Dependent Customer is Geographically Independent Customer goes to Bank goes to Customer Scheduled Time Banking Round the Clock Banking Physical Bank and Cyber Bank A Customer is a Customer of a Branch A Customer is a Customer of a Bank 2

rm in al Backup Te PO S Production PC banking/ Tele-banking Mobile Home banking ATM Internet banking Kiosk

Banking Information System Terminals Central Server Head Office of another bank SWIFT Network Banking Network Central Server Terminals Head Office Internet Branch ATM Customer Banking Kiosk Terminals POS Terminal

Internet, Intranet and Extranet Islami Bank Intranet Bangladesh Bank Intranet Internet 5 Sonali Bank Extranet DBBL Intranet

Customer Branch Internet Other Bank Mobile POST PSTN Kiosk Branch 6 ATM

ADC ATM 6419 POS 28920 Credit Card 563464 Debit Card 7952877 Prepaid Card 122991 Internet Customer 1467383 Agent 543819 Mobile Account 29467913 Agent Account 41752 7

Number of Transaction in Different Delivery Channels (2015) July 2015 (Monthly) Transactions MICR Non-MICR EFT Credit Card Debit Card Prepaid Card International Card Total Card Internet Mobile Agent POS E-commerce Yearly (2015) Amount (Cr) Transactions Amount (Cr) 1, 721, 61 126, 67 20, 659, 3 1, 520, 1 4 5. 00 68 00 4, 2 50, 22 90. 40 664 84. 80 1, 327, 94 6, 6 15, 935, 3 6 16. 00 52 2. 00 1, 036, 28 6 12, 435, 4 7 37. 00 44 44. 00 11, 063, 47 8, 4 132, 761, 74 10 9 10. 00 8 0. 00 50, 6 607, 22 32. 00 464 84. 00 492, 8 3 5, 914, 6 91 56. 00 92 72. 00 12, 643, 27 9, 4 151, 719, 34 11 9 36. 00 8 2. 00 519, 6 1, 6 6, 236, 0 71 74. 00 52 8. 00 97, 334, 57 13, 74 1, 168, 014, 86 16 2 5. 00 4 0. 00 70, 3 2 844, 40 03. 00 080 36. 00 1, 527, 16 1, 0 18, 325, 9 3 53. 80 56 5. 60 93, 6 1, 123, 8 50 29. 30 00 51. 60

Volume of Transaction in Different Delivery Channels (2011 2014) Volume of Transaction in Billion Taka Mobile Commerce Mobile Banking Internet Banking Credit Card Debit Card ATM 0 200 400 600 800 1000 ATM Debit Card Credit Card Internet Banking Mobile Banking 2014 685. 9 805. 9 140. 8 217. 3 1031. 55 2013 654. 3 775. 7 62. 7 90. 5 517. 83 2012 565. 8 585 57 48. 7 71. 23 2011 374. 9 454. 2 39. 6 41. 6 1200 Mobile Commerce 982. 1

Number of Employees in Banks (1993 -2014) Number of Employees in Banks 170000 150000 130000 Axis Title 110000 90000 70000 50000 30000 10000 -10000 SCBs PCBs FCBs SBs BB 1993 -1994 64492 83594 826 16871 6435 2000 -2001 62091 89346 1280 16164 5926 2005 -2006 56417 94845 1713 15406 5596 2010 -2011 50069 121932 3143 14367 4878 2013 -14 58049 147267 3330 15034 5468

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 11

Impact of ICT § E-CRM, E-marketing, AGM Report, Easy Access to Customer § 24 x 7 x 365 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 12

Impact of ICT § 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 13

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 Rs. 15 - Rs. 27 Tk. 40 - - Rs. 11 - Phone Banking ATM Banking Mobile Phone Banking Internet Banking $0. 52 $ 0. 27 $0. 16 $0. 10 14