Atif Zohaib KhanLecturer Computer ScienceMCS from COMSATS

What is an E-Banking?

• Allows customers of a financial institution to conduct financial transactions on a secure website operated by the institution, which can be a retail or virtual bank, credit union or building society. (Wikipedia)

• Also known as Online Banking or Internet Banking

• Security Token (VeriSign)

2

E-Banking – Common Features

3

The common features fall broadly into several categories.

Non-Transactional tasks including -viewing account balancesviewing recent transactionsdownloading bank statements, for example in PDF formatviewing images of paid chequesordering cheque booksdownload periodic account statementsDownloading applications for M-banking, E-banking etc.

E-Banking: Common Features

4

Transactional Tasks including -• Funds transfers between the customer's linked accounts• Paying third parties, including bill payments (see,

e.g., ebay.com) • Loan applications and transactions, such as repayments

of enrollments• Register utility bills and make bill payments (Auto Giro)

E-Bank: SwedbankStep 1 of 10

5

E-Banking: LoginStep 2 of 10

6

E-Banking: Bank LoginStep 3 of 10

7

E-Banking: Bank Account StatementStep 4 of 10

8

E-Banking: Fund TransferStep 5 of 10

9

E-Banking: Automatic PaymentStep 6 of 10

10

E-Banking: You can Hack my card Step 7 of 10

11

References:

12

• Wikipedi.org (accessed 9.9.2013)

• Swedbank.se (accessed 9.9.2013)

• Google.se (accessed 9.9.2013)