Inam Ul-HaqLecturer Computer ScienceUniversity of Education Okara CampusMS Computer Science SwedenE: inam@ue.edu.pk

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)

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E-Payment – Shopping through ebay.comStep 1 of 10

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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-Payment: Select An Item To PurchaseStep 2 of 10

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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 3 of 10

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E-Banking: LoginStep 4 of 10

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E-Banking: Bank LoginStep 5 of 10

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E-Banking: Bank Account StatementStep 6 of 10

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E-Banking: Fund TransferStep 7 of 10

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E-Banking: Automatic PaymentStep 8 of 10

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E-Banking: You can Hack my card Step 9 of 10

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References:

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• Wikipedi.org (accessed 9.9.2013)• Swedbank.se (accessed 9.9.2013)• Google.se (accessed 9.9.2013)