Internet Banking and Mobile Banking - Safe and Secure Banking

7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking

1/99

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2/99

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3/99

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4/99

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5/99

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6/99

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7/99

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8/99

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12/99

LCI^QMW? 7

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13/99

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14/99

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15/99

I`msijawm mq i`* #7>99+ ~wmbmw qcm qmwd gijhkje gm{fja gwijlcm| kj wmlfejkqkfj fb qcm bilq qciq

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16/99

LCI^QMW? >* Qfai{ qcmwm

iwm i~~iwmjq`{ |fdm =>> dfam`| bwfd dfwm qcij 9> dij}bilq}wmw|*


24/99

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di{ |ckbq qf |di`` ija dmak}d mjqmw~wk|m| #\DM|+ i| i ewf}~* Lcijem| lf}à gm ms~mlqma kj qcm

am`krmw{ lcijjm` bfw |di`` gfwwfumw|, iewkl}`q}wk|q| ija }jfweijkzma |mlqfw| i`|f*


25/99


26/99

Dfgk`m I`mwq| bfw qwij|ilqkfj ci~~mjkje kj ck| illf}jq* Cm lij wm|qwklq qcm I`mwq| qf am|kwma

qwij|ilqkfj| fj`{* Qcm |mwrklm k| irikìg`m qf l}|qfdmw| i`` frmw qcm ufwà*

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afjm bfw Dfgk`m gijhkje, ~wm|mq I`mwq| uk`` gm mjig`ma i}qfdiqkli``{ qf qcm l}|qfdmw* Bfw irik`kje

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ilq i| i ~i||ufwa qf mj|}wm ~wkril{ ija |ml}wkq{*

Qcm Dfgk`m Gijhkje bilk`kq{ k| irikìg`m qf \G, \GJWM, \GFJW, LI ija FALL l}|qfdmw|*

Bilk`kqkm| Irikìg`m*

Rkmu Illf}jq Giìjlm Dkjk \qiqmdmjq Lcijem bf}w$akekq illm|| lfam & ^KJ* Dfgk`m ^cfjm J}dgmw lcijem Ak|lfjqkj}m & Wm mjig`m i`mwq| F~qkfj| bfw lcijekje qcm idf}jq bfw |mjakje qcm i`mwq|* Illf}jq \qiqmdmjq Wmy}m|q Lcmy}m Gffh Wmy}m|q Cm`~ igf}q qcm irikìg`m f~qkfj|*


27/99

LCI^QMW? 1

LFD^IJ[ ^WFBK@M


28/99

\QIQM GIJH FB KJAKI

\qiqm Gijh fb Kjaki k| qcm ìwem|q |qiqm$fujma gijhkje ija bkjijlki` |mwrklm| lfd~ij{ kj Kjaki* Qcm

Gijh ~wfrkam| gijhkje |mwrklm| qf qcm l}|qfdmw* Kj iaakqkfj qf qcm gijhkje |mwrklm|, qcm Gijh

qcwf}ec qcmkw |}g|kakiwkm|, ~wfrkam| i wijem fb bkjijlki` |mwrklm|, ucklc kjl`}am `kbm kj|}wijlm,

dmwlcijq gijhkje, d}q}i` b}ja|, lwmakq liwa, bilqfwkje, |ml}wkq{ qwiakje, ~mj|kfj b}ja dijiemdmjq

ija ~wkdiw{ ami`mw|ck~ kj qcm dfjm{ diwhmq*

Qcm Gijh f~mwiqm| kj bf}w g}|kjm|| |medmjq|, jidm`{ Qwmi|}w{, Lfw~fwiqm& Ucf`m|i`m Gijhkje,

Wmqik` Gijhkje ija Fqcmw Gijhkje G}|kjm||* Qcm Qwmi|}w{ |medmjq kjl`}am| qcm kjrm|qdmjq

~fwqbf`kf ija qwiakje kj bfwmkej mslcijem lfjqwilq| ija amwkriqkrm lfjqwilq|* Qcm Lfw~fwiqm&

Ucf`m|i`m Gijhkje |medmjq lfd~wk|m| qcm `mjakje ilqkrkqkm| fb Lfw~fwiqm Illf}jq| Ewf}~, Dka

Lfw~fwiqm Illf}jq| Ewf}~ ija \qwm||ma I||mq| Dijiemdmjq Ewf}~* Qcm Wmqik` Gijhkje |medmjq

lfj|k|q| fb gwijlcm| kj Jiqkfji` Gijhkje Ewf}~, ucklc ~wkdiwk`{ kjl`}am| ~mw|fji` gijhkje

ilqkrkqkm|, kjl`}akje `mjakje ilqkrkqkm| qf lfw~fwiqm l}|qfdmw| cirkje gijhkje wmìqkfj| ukqc gwijlcm|

kj qcm Jiqkfji` Gijhkje Ewf}~* \GK ~wfrkam| i wijem fb gijhkje ~wfa}lq| qcwf}ec qcmkw ri|q jmqufwhfb gwijlcm| kj Kjaki ija frmw|mi|, kjl`}akje ~wfa}lq| ikdma iq JWK|*

Qcm \qiqm Gijh Ewf}~, ukqc frmw 92,>>> gwijlcm|, ci| qcm ìwem|q gijhkje gwijlc jmqufwh kj Kjaki*

Qcm \qiqm gijh fb Kjaki k| qcm 9>qc df|q wm~}qma lfd~ij{ kj qcm ufwà illfwakje qf Bfwgm|* Qcm

gijh ci| 9=2 frmw|mi| fbbklm| |~wmia frmw


29/99

IGF]Q @FEF

QCM ^@ILM QF \CIWM QCM JMU\ ***

\CIWM QCM RKMU\

Qfemqcmwjm|| k| qcm qcmdm fb qck| lfw~fwiqm `fem fb \GK ucmwm qcm ufwà fb gijhkje |mwrklm| dmmq

qcm mrmw lcijekje l}|qfdmw| jmma| ija m|qig`k|cm| i `kjh qciq k| `khm i lkwl`m, kq kjakliqm| lfd~`mqm

|mwrklm| qfuiwa| l}|qfdmw|* Qcm `fef i`|f amjfqm| i gijh qciq kq ci| ~wm~iwma qf af ij{qckje qf ef qfij{ `mjeqc|, bfw l}|qfdmw|*

Qcm g`}m ~fkjqmw wm~wm|mjq qcm ~ck`f|f~c{ fb qcm gijh qciq k| iùi{| `ffhkje bfw qcm ewfuqc ija

jmumw, dfwm lci``mjekje, dfwm ~wfdk|kje akwmlqkfj* Qcm hm{ cf`m kjakliqm| |ibmq{ ija |ml}wkq{

DK\\KFJ, RK\KFJ IJA RI@]M\

DK\\KFJ \QIQMDMJQ?

Qf wmqikj qcm Gijh| ~f|kqkfj i| ~wmdkmwm Kjakij Bkjijlki` \mwrklm Ewf}~, ukqc ufwà lì|| |qijaiwa|ija |kejkbklijq e`fgi` lfddkqqma qf mslm``mjlm kj l}|qfdmw, |ciwmcfàmw ija md~`f{mm |iqk|bilqkfj

ija qf ~ì{ i `miakje wf`m kj ms~ijakje ija akrmw|kb{kje bkjijlki` |mwrklm |mlqfw| uck`m lfjqikjkje

md~ci|k| fj kq| amrm`f~dmjq gijhkje w}`m*


30/99

RK\KFJ \QIQMDMJQ?

^wmdkmw Kjakij Bkjijlki` \mwrklm Ewf}~ ukqc ~wf|~mlqkrm ufwà$lì|| \qijaiwa| fb mbbklkmjl{ ija~wfbm||kfji`k|d ija kj|qkq}qkfji` ri`}m|*

Wmqikj kq| ~f|kqkfj kj qcm lf}jqw{ i| ~kfjmmw| kj Amrm`f~dmjq gijhkje* Diskdkzm qcm |ciwmcfàmw| ri`}m qcwf}ec ckec$|}|qikjma miwjkje| ~mw \ciwm* Ij kj|qkq}qkfj ukqc l}`q}wi` d}q}i` liwm ija lfddkqdmjq, |iqk|b{kje ija Effa ufwh mjrkwfjdmjq

ija lfjqkj}m| `miwjkje f~~fwq}jkqkm|*

RI@]M\?

Mslm``mjlm kj l}|qfdmw |mwrklm ^wfbkq fwkmjqiqkfj Gm`fjekje lfddkqdmjq qf Gijh Bikwjm|| kj i`` ami`kje| ija wmìqkfj| Wk|h qihkje ija kjjfriqkrm Qmid ~ì{kje @miwjkje ija wmjmui` Kjqmewkq{ Qwij|~iwmjl{ ija Ak|lk~`kjm kj ~f`klkm| ija |{|qmd|


31/99

FWEIJK\IQKFJ \QW]LQ]WM?

LCIKWDIJ

LFW^FWIQM LMJQWM

ADA " LLF

ADA " LAF

G]\KJM\\ EWF]^\

ADA " LBF

ADA #K"DI+

LRF

ADA #KQ+

ADA " LLF ADA " LLF ADA " LLF ADA " LLF


32/99


33/99

Hm{ Iwmi| fb F~mwiqkfj|

Qcm g}|kjm|| f~mwiqkfj| fb \GK lij gm gwfia`{ l`i||kbkma kjqf qcm hm{ kjlfdm emjmwiqkje iwmi| |}lc

i| Jiqkfji` Gijhkje, Kjqmwjiqkfji` Gijhkje, Lfw~fwiqm Gijhkje, " Qwmi|}w{ f~mwiqkfj|*

\qiqm Gijh fb Kjaki

Lfw~fwiqmGijhkje

Jiqkfji`Gijhkje

Kjqmwjiqkfji`Gijhkje

I||flkiqm| "\}g|kakiwkm|

Qwmi|}w{F~mwiqkfj|


34/99

LFDÎJ[ CK\QFW[\GK

931>$ I |k|qmw gijh, Gijh fb Gfdgi{, k| bfwdma*

931 gwijlcm| idfje qcmd g{ qcm dka$935>|*

9352$ Qcm lwmiqkfj fb Lmjqwi` Qwmi|}wkm| mja| qcm ms~ij|kfj ~ci|m fb qcm ~wm|kamjl{ gijh|*

9;79$ Qcm ~wm|kamjl{ gijh| iwm dmwema qf bfwd i |kje`m mjqkq{, Kd~mwki` Gijh fb Kjaki*

9;==$ Fj 9|q O}`{ \qiqm Gijh fb Kjaki ui| lfj|qkq}qma }jamw qcm \qiqm Gijh fb Kjaki Ilq 9;==, bfw

qcm ~}w~f|m fb qihkje frmw qcm }jamwqihkje ija g}|kjm|| fb qcm Kd~mwki` Gijh fb Kjaki* Qcm Kd~mwki`

Gijh fb Kjaki ui| bf}jama kj 9;79 }jamw qcm Kd~mwki` Gijh fb Kjaki Ilq 9;7>* Qcm Gijh qwij|ilq|

emjmwi` gijhkje g}|kjm|| fb mrmw{ am|lwk~qkfj kjl`}akje, bfwmkej mslcijem, dmwlcijq gijhkje ija

d}q}i` b}ja|*

9;=;$ Fj \m~qmdgmw \qiqm Gijh fb Kjaki #\}g|kakiw{ Gijh+ Ilq ui| ~i||ma* Fj Flqfgmw \qiqm Gijh

fb C{amwigia gmlfdm qcm bkw|q |}g|kakiw{ fb \GK*

9;2>$ A}wkje qck| ~mwkfa, \qiqm Gijh fb Oik~}w, \qiqm Gijh fb Gkhijmw, \qiqm Gijh fb Kjafwm, \qiqm

Gijh fb Qwirijlfwm, \qiqm Gijh fb D{|fwm, \qiqm Gijh îqkiì ija \qiqm Gijh fb \i}wi|cqwi gmlidm

|}g|kakiwkm| fb qcm gijh*


35/99

9;27$ Qcm Gcfw \qiqm Gijh @qa ui| Idièidiqma ukqc qcm Gijh gwkje qcm qfqi` j}dgmw fb dkjfw

\qiqm i||flkiqma gijh| |f idièidiqma qf bkrm* I |lcmdm bfw idièidiqkfj fb qcm Gijh fb I}jac@qa*, ui| i`|f i~~wfrma* Fj 7>qc I}e}|q, qcm ]jkq Gijh @qa* Lcmjjik ui| qihmj frmw g{ qcm Gijh*

9;2, W| 9>>>, W| 9>,>>> ija W| =>,>>>

diq}wkje ibqmw 7;,2=,31 ija 97> dfjqc|*


36/99

9;37$ Qcm Jfj$Wm|kamjq Kjrm|qdmjq Lm`` ui| |mq }~, ucklc cia |qwmid`kjma qcm ufwhkje f~mwiqkfj|

fb qcm jfj$wm|kamjq kjrm|qdmjq |mlqkfj| iq kd~fwqijq lmjqmw|*

9;35 }jkq| umwm lfj|kamwma rkig`m ija 2> bwfd qcmd umwm

~ìlma }jamw wme}ìw j}w|kje ~wfewid*

$Fj 9|q I}e}|q i jmu |}g|kakiw{ jidma \GK Li~kqi` Diwhmq ui| b}jlqkfjkje kjam~mjamjq`{, qffh

}~ `mi|kje g}|kjm|| ija lmwqikj fqcmw jmu |mwrklm|*

9;35 $ ]~ qf qcm mja fb qcm {miw qcm gijh cia |~fj|fwma Wmekfji` W}wi` Gijh| lfrmwkje 22

gilhuiwa ija }jamw gijhma ak|qwklq| kj qcm lf}jqw{*

$ Kj qmwd| fb am~`f{dmjq, qcm iarijlm| ~fwqbf`kf fb frmw|mi| fbbklm| wf|m qf W| =,525 lwfwm|*

Kjrm|qdmjq| kj kjqmw$gijh dfjm{ diwhmq| ija i`|f kj ~wkdm |ml}wkqkm| idf}jqma qf W| 7,25> lwfwm|

g{ qcm mja fb qcm {miw*

9;3; $ \GKLI^, kj qcmkw li~ilkq{ i| Qw}|qmm ija Dijiemw fb D}q}i` B}ja, ì}jlcma quf |lcmdm

rkz*, Diej}d Dfjqc`{ Kjlfdm \lcmdm 9;3; ija Diej}d Qis \mwrklm \lcmdm 9;;>*

$ A}wkje qcm |idm ~mwkfa \GK kj i||flkiqkfj ukqc Dfweij \qij`m{ I||mq Dijiemdmjq Kjl* fb

]\I, ì}jlcma qcm Kjaki Diej}d B}ja*


37/99

9;;= $ \GK Lfddmwlki` ija Kjqmwjiqkfji` Gijh @qa* iwm ì}jlcma i| ~iwq fb \GK| |qm~~ma $}~

kjqmwjiqkfji` gijhkje f~mwiqkfj|*

9;;2 $ Fj >> EAW| idf}jqkje qf =,77,;>,>>> my}kq{ |ciwm|* 9

EAW k| k||}ma qf 7 my}kq{ |ciwm|* Qcm k||}m ~wklm fb EAW ui| ]\ ! 91*9= ~mw EAW*

9;;3$ \GK ì}jlcm| lwmakq liwa| kj ~iwqjmw|ck~ ukqc EM Li~kqi`*

7>>> $Qcm Gijh ci| gmlfdm qcm bkw|q efrmwjdmjq fujma bkjijlki` kj|qkq}qkfj qf ofkj qcm wijh fb

lfd~ijkm| amlìwkje kjqmwkd akrkamja*

$Qcm Gijh ì}jlcma qcm 'Dmqi` #Efà+ @fij \lcmdm' kj Lfkdgiqfwm* Qck| k| qcm qckwa |lcmdm qf gm

kjqwfa}lma g{ \GK*

$\GK k| i`|f bfwdkje i |}g|kakiw{ $ \GK Efà ija ^wmlkf}| Dmqi`| ^rq* @qa* ukqc => ~mw lmjq my}kq{

~iwqklk~iqkfj*

$Qcm Gijh ci| gmlfdm qcm bkw|q ~}g`kl |mlqfw gijh qf fbbmw bksma$wiqm cfdm `fij|*

7>>9 $ Qcm Gijh ci| |kejma ij Df] ukqc Liwakb \*I* bfw qcm gijh%| `kbm kj|}wijlm g}|kjm||*

O}`{ dk``kfj

Rk|i f}q`mq| ufwàukam ija fjm ìhc f}q`mq| kj Kjaki*

$ \qiqm Gijh fb Kjaki ui| ~wm|mjqma qcm iuiwa bfw OA ^fumw I|ki îlkbkl| 7>>9 Kjaki \i`m|

\iqk|bilqkfj Kjams #\\K+ ija Lfj|}dmw Bkjijlkje \iqk|bilqkfj #LB\+

7>>7$ \GK jmqufwh| >> gwijlcm| kj i di||krm qmlcjf`fe{ kd~`mdmjqiqkfj*


38/99

7>>1$ I jmqufwhkje mbbfwq wmilcm| 1,>>> gwijlcm|*

$\GK ofkj| cija| ukqc Rk|i bfw qwirm` liwa

$\GK mjqmw| kjqf IQD |ciwkje iewmmdmjq| ukqc ]QK Gijh " CABL Gijh

$ \GK ofkj| cija| ukqc @KL bfw b}jakje kjbwi|qw}lq}wm ~wfomlq|

$Qiqi Dfqfw| fj Amlmdgmw 5, 7>>1, |kej| ij Df] ukqc \qiqm Gijh fb Kjaki #\GK+

7>>5$ Qcm \qiqm Gijh fb Kjaki #\GK+ ci| gmlfdm qcm bkw|q bfwmkej gijh qf |mq }~ i gwijlc kj qcm

K|wim`%| akidfja mslcijem* Gm|kam| akidfja|, qcm{ i`|f |mm c}em ~fqmjqki` kj qm`mlfdd}jkliqkfj|,

ck$qmlc, lcmdkli`|, qmsqk`m|, iewkl}`q}wm ija uiqmw dijiemdmjq, bffa ~wflm||kje, ~ciwdil{ ija

cmi`qc liwm*

7>>3$ \qiqm Gijh fb Kjaki #\GK+ ci| |kejma i Ofkjq Rmjq}wm Iewmmdmjq ukqc Kj|}wijlm I}|qwi`ki

Ewf}~ qf bfwd i Ofkjq Rmjq}wm Lfd~ij{ ucklc uk`` gm mjeiema kj Emjmwi` Kj|}wijlm g}|kjm|| kj

Kjaki*

7>9>$ \qiqm Gijh fb Kjaki, ukqc i amgkq liwa gi|m fb frmw 5> dk``kfj, lfd~wk|kje \GK Li|c ^`}|, \GK

Ef`a Amgkq Liwa ija \GK [}ri Liwa, ci| iaama lck~ ija ^KJ$gi|ma ^`iqkj}d Amgkq Liwa qf kq|

gf}y}mq fj Diwlc 72*

$ \qiqm Gijh fb Kjaki #\GK+ ci| |kejma i ~ilq ukqc ]jky}m Kamjqkbkliqkfj I}qcfwkq{ fb Kjaki #]KAIK+

qf ufwh i| i wmek|qwiw bfw qcm ]KA wmek|qwiqkfj fb wm|kamjq|* Kq ci| gmlfdm qcm bkw|q gijh qf qihm }~

wmek|qwiqkfj ufwh bfw qcm ]KAIK ~wfomlq* I| i wmek|qwiw, \GK uk`` li~q}wm qcwf}ec md~ijm``ma

mjwf`dmjq iemjlkm|, qcm gkfdmqwkl lciwilqmw| |}lc i| bkjemw ~wkjq|, kwk| ija |f fj ija |mja qcm

kjbfwdiqkfj qf ]KAIK*


39/99

LCI^QMW? =

KJQMWJMQ GIJHKJE IJA DFGK@M GIJHKJE


40/99

=*9 KJQMWJMQ GIJHKJE

=*9*9 Ck|qfw{

Fj`kjm |mwrklm| |qiwqma kj Jmu [fwh kj 9;39 ucmj bf}w fb qcm lkq{| diofw gijh| #Lkqkgijh, Lci|m

Dijciqqij, Lcmdkli` ija Dij}bilq}wmw| Cijfrmw+ fbbmwma cfdm gijhkje |mwrklm| }|kje qcm

rkamfqmsq |{|qmd* Gmli}|m fb qcm lfddmwlki` bik`}wm fb rkamfqmsq qcm|m gijhkje |mwrklm| jmrmw

gmlidm ~f~}`iw mslm~q kj Bwijlm ucmwm qcm }|m fb rkamfqmsq #Dkjkqm`+ ui| |}g|kakzma g{ qcm qm`mlfd

~wfrkamw ija qcm ]H, ucmwm qcm ^wm|qm` |{|qmd ui| }|ma*

=*9*7 Uciq k| Kjqmwjmq Gijhkje6

Kjqmwjmq gijhkje i``fu| l}|qfdmw| qf ~mwbfwd i ukam wijem fb gijhkje qwij|ilqkfj| m`mlqwfjkli``{ rki

qcm gijh| Umg |kqm* Ucmj bkw|q kjqwfa}lma, Kjqmwjmq gijhkje ui| }|ma dikj`{ i| ij kjbfwdiqkfj

~wm|mjqiqkfj dmak}d kj ucklc gijh| diwhmqma qcmkw ~wfa}lq| ija |mwrklm| fj qcmkw Umg |kqm|* Ukqc

qcm amrm`f~dmjq fb i|{jlcwfjf}| qmlcjf`fekm| ija |ml}wma m`mlqwfjkl qwij|ilqkfj qmlcjf`fekm|,

cfumrmw, dfwm gijh| cirm lfdm bfwuiwa qf }|m Kjqmwjmq gijhkje gfqc i| i qwij|ilqkfji` i| um`` i| ij

kjbfwdiqkfji` dmak}d* I| i wm|}`q, wmek|qmwma Kjqmwjmq gijhkje }|mw| lij jfu ~mwbfwd lfddfj

gijhkje qwij|ilqkfj| |}lc i| uwkqkje lcmlh|, ~i{kje gk``|, qwij|bmwwkje b}ja|, ~wkjqkje |qiqmdmjq|, ija

kjy}kwkje igf}q illf}jq gi`ijlm|* Kjqmwjmq gijhkje ci| mrf`rma kjqf i fjm |qf~ |mwrklm ija

kjbfwdiqkfj }jkq qciq ~wfdk|m| ewmiq gmjmbkq| qf gfqc gijh| ija lfj|}dmw|*

=*9*< Q{~m| fb Kjqmwjmq Gijhkje

Illfwakje qf qcm ]*\* Am~iwqdmjq fb qcm Qwmi|}w{, qcmwm iwm qcwmm q{~m| fb Kjqmwjmq gijhkje?

kjbfwdiqkfji`, lfdd}jkliqkrm ija qwij|ilqkfji`*


41/99

#9+Kjbfwdiqkfji` Kjqmwjmq Gijhkje Qck| b}jaidmjqi` `mrm` fb gijhkje afm| jfq i``fu ~iqwfj| qf rkmu fw dikjqikj illf}jq|, jfw afm| kq

i``fu bfw lfdd}jkliqkfj gmqummj qcm bkjijlki` kj|qkq}qkfj ija l}|qfdmw|* Kjbfwdiqkfji` Kjqmwjmq

gijhkje |kd~`{ dmij| qcm gijh ~wfrkam| gi|kl kjbfwdiqkfj igf}q kq| ~wfa}lq| ija |mwrklm|, d}lc

`khm i gwflc}wm* Qck| k| dmijq bfw diwhmqkje ~}w~f|m| fj`{, ija qcmwm k| jf lfjjmlqkfj qf qcm gijh%|

dikj lfd~}qmw |{|qmd|*

#7+Lfdd}jkliqkrm Fj`kjm Gijhkje Lfdd}jkliqkrm fj`kjm gijhkje i``fu| bfw |fdm lfdd}jkliqkfj gmqummj qcm ~iqwfj ija gijh*

Cfumrmw, qck| k| q{~kli``{ `kdkqma qf b}jaidmjqi` kjqmwilqkfj| |}lc i| illf}jq kjy}kwkm|, jmu illf}jq

}~aiqm|, `fij fw dfwqeiem i~~`kliqkfj|, lfjqilq kjbfwdiqkfj }~aiqm| ija gi`ijlm|* Lfdd}jkliqkrm

fj`kjm gijhkje di{ lfjjmlq ukqc qcm gijh%| dikj lfd~}qmw |{|qmd|*

#


42/99

\qwiqmekl wk|h|

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f~mwiqkfji` wk|h*


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44/99

/ Wkecq| fj qcm Fj@kjm\GK \mwrklm uk`` gm |idm i| qciq kj {f}w illf}jq iq qcm gwijlc*

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Fj@kjm\GK


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\ml}wkq{?

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Ak|~}qm gmqummj qcm l}|qfdmw ija qcm Gijh kj qck| |mwrklm k| |}gomlq qf qcm o}wk|aklqkfj fb qcm lf}wq|kj qcm Wm~}g`kl fb Kjaki ija efrmwjma g{ qcm ìu| ~wmrik`kje kj Kjaki*

Qcm Gijh wm|mwrm| qcm wkecq qf dfakb{ qcm |mwrklm| fbbmwma fw qcm Qmwd| fb \mwrklm #Qmwd| "Lfjakqkfj|+ fb Fj`kjm\GK* Qcm lcijem| uk`` gm jfqkbkma qf qcm l}|qfdmw| qcwf}ec i jfqkbkliqkfj fj

qcm \kqm*


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L}|qfdmw| fg`keiqkfj|?

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|m||kfj kjkqkiqma g{ jfjm fqcmw qcij qcm l}|qfdmw*

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#\f}wlm? uuu*fj`kjm|gk*lfd+
http://www.onlinesbi.com/http://www.onlinesbi.com/


47/99

=*7 DFGK@M GIJHKJEDfgk`m gijhkje #i`|f hjfuj i| D$Gijhkje, dgijhkje+ k| i qmwd }|ma bfw ~mwbfwdkje giìjlmlcmlh|, illf}jq qwij|ilqkfj|, ~i{dmjq|, lwmakq i~~`kliqkfj| ija fqcmw gijhkje qwij|ilqkfj| qcwf}ec i

dfgk`m amrklm |}lc i| i dfgk`m ~cfjm fw ^mw|fji` Akekqi` I||k|qijq #ÂI+* Qcm miw`km|q dfgk`m

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Dkjk$|qiqmdmjq| ija lcmlhkje fb illf}jq ck|qfw{ I`mwq| fj illf}jq ilqkrkq{ fw ~i||kje fb |mq qcwm|cfà| Dfjkqfwkje fb qmwd am~f|kq| Illm|| qf `fij |qiqmdmjq| Illm|| qf liwa |qiqmdmjq| D}q}i` b}ja|& my}kq{ |qiqmdmjq|

Kj|}wijlm ~f`kl{ dijiemdmjq ^mj|kfj ~ìj dijiemdmjq \qiq}| fj lcmy}m, |qf~ ~i{dmjq fj lcmy}m Fwamwkje lcmy}m gffh| Giìjlm lcmlhkje kj qcm illf}jq
http://en.wikipedia.org/wiki/Mobile_phonehttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/SMS_bankinghttp://en.wikipedia.org/wiki/Smart_phoneshttp://en.wikipedia.org/wiki/Wireless_Application_Protocolhttp://en.wikipedia.org/wiki/Mobile_webhttp://en.wikipedia.org/wiki/Apple_Inc.http://en.wikipedia.org/wiki/IPhonehttp://en.wikipedia.org/wiki/Googlehttp://en.wikipedia.org/wiki/Android_%28operating_system%29http://en.wikipedia.org/wiki/Android_%28operating_system%29http://en.wikipedia.org/wiki/Mutual_fundhttp://en.wikipedia.org/wiki/Mutual_fundhttp://en.wikipedia.org/wiki/Android_%28operating_system%29http://en.wikipedia.org/wiki/Android_%28operating_system%29http://en.wikipedia.org/wiki/Googlehttp://en.wikipedia.org/wiki/IPhonehttp://en.wikipedia.org/wiki/Apple_Inc.http://en.wikipedia.org/wiki/Mobile_webhttp://en.wikipedia.org/wiki/Wireless_Application_Protocolhttp://en.wikipedia.org/wiki/Smart_phoneshttp://en.wikipedia.org/wiki/SMS_bankinghttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/Mobile_phone


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Wmlmjq qwij|ilqkfj| A}m aiqm fb ~i{dmjq #b}jlqkfji`kq{ bfw |qf~, lcijem ija am`mqkje fb ~i{dmjq|+ ^KJ ~wfrk|kfj, Lcijem fb ^KJ ija wmdkjamw frmw qcm Kjqmwjmq G`flhkje fb #`f|q, |qf`mj+ liwa|

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http://en.wikipedia.org/wiki/Banking_agenthttp://en.wikipedia.org/wiki/Banking_agenthttp://en.wikipedia.org/wiki/Java_MEhttp://en.wikipedia.org/wiki/SIM_Application_Toolkithttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/USSDhttp://en.wikipedia.org/wiki/USSDhttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/SIM_Application_Toolkithttp://en.wikipedia.org/wiki/Java_MEhttp://en.wikipedia.org/wiki/Banking_agenthttp://en.wikipedia.org/wiki/Banking_agent


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Qcm am|kwm bfw kjqmwf~mwigk`kq{ k| ìwem`{ am~mjamjq fj qcm gijh| qcmd|m`rm|, ucmwm kj|qi``ma

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http://en.wikipedia.org/wiki/Mobile_Marketing_Associationhttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/Mobile_Marketing_Association


50/99

Qcm bf``fukje i|~mlq| jmma qf gm iaawm||ma qf fbbmw i |ml}wm kjbwi|qw}lq}wm bfw bkjijlki`

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http://en.wikipedia.org/wiki/Authenticationhttp://en.wikipedia.org/wiki/Authenticationhttp://en.wikipedia.org/wiki/Encryptionhttp://en.wikipedia.org/wiki/One-time_passwordhttp://en.wikipedia.org/wiki/Cyber_fraudhttp://en.wikipedia.org/wiki/Mobile_banking#cite_note-otp-4http://en.wikipedia.org/wiki/Mobile_banking#cite_note-otp-4http://en.wikipedia.org/wiki/Mobile_banking#cite_note-otp-4http://en.wikipedia.org/wiki/SMS_gatewayhttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/Service_level_agreementshttp://en.wikipedia.org/wiki/Service_level_agreementshttp://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/SMS_gatewayhttp://en.wikipedia.org/wiki/Mobile_banking#cite_note-otp-4http://en.wikipedia.org/wiki/Cyber_fraudhttp://en.wikipedia.org/wiki/One-time_passwordhttp://en.wikipedia.org/wiki/Encryptionhttp://en.wikipedia.org/wiki/Authenticationhttp://en.wikipedia.org/wiki/Authentication


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http://en.wikipedia.org/wiki/Chief_information_officerhttp://en.wikipedia.org/wiki/Chief_technical_officerhttp://en.wikipedia.org/w/index.php?title=Mobile_Transaction_Platform&action=edit&redlink=1http://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/w/index.php?title=Mobile_Transaction_Platform&action=edit&redlink=1http://en.wikipedia.org/wiki/Chief_technical_officerhttp://en.wikipedia.org/wiki/Chief_information_officer


52/99

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J 91 1;

Cmwm qcmwm k| i ~f|kqkrm wmìqkfj|ck~ gmqummj |iqk|bilqkfj fb kjqmwjmq gijhkje ija

dfgk`m gijhkje*


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#7+

C>? Qcmwm k| i jmeiqkrm wmìqkfj|ck~ gmqummj Iem ija }|m fb gijhkje |mwrklm*

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LCI^QMW? 3

BKJAKJE\


91/99

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92/99

LCI^QMW? ;

WMLFDDMJAIQKFJ\ IJA LFJL@]\KFJ


93/99

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LFJL@]\KFJ?

Kjqmwjmq gijhkje ija Dfgk`m Gijhkje k| lcijekje qcm gijhkje kja}|qw{ ija k| cirkje qcm diofw

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95/99

LCI^QMW? 9>

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96/99

9>*9 Y]M\QKFJJIKWM

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Bfw }|mw| fb Kjqmwjmq Gijhkje

5* Ucklc fb qcm bf``fukje dfgk`m gijhkje bmiq}wm| uf}à {f} }|m6

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98/99

Bfw }|mw| fb Dfgk`m Gijhkje

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99/99

9>*7 GKG@KFEWI^C[

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