internet banking and mobile banking - safe and secure banking
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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LCI^QMW? 1
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\QIQM GIJH FB KJAKI
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RK\KFJ \QIQMDMJQ?
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Hm{ Iwmi| fb F~mwiqkfj|
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|}g|kakiwkm| fb qcm gijh*
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9;27$ Qcm Gcfw \qiqm Gijh @qa ui| Idi`eidiqma ukqc qcm Gijh gwkje qcm qfqi` j}dgmw fb dkjfw
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9;;= $ \GK Lfddmwlki` ija Kjqmwjiqkfji` Gijh @qa* iwm `i}jlcma i| ~iwq fb \GK| |qm~~ma $}~
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7>>1$ I jmqufwhkje mbbfwq wmilcm| 1,>>> gwijlcm|*
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LCI^QMW? =
KJQMWJMQ GIJHKJE IJA DFGK@M GIJHKJE
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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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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 -
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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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Cmwm qm|qkje |iqk|bilqkfj `mrm` fb l}|qfdmw bfw dfgk`m gijhkje* Df|q`{ i`` ~mf~`m iwm ckec`{
|iqk|bkma ukqc dfgk`m gijhkje* Fj`{ fjm ~mw|fj jfq |iqk|bkma ukqc dfgk`m gijhkje*
9 9>
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9>
9=
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
81/99
DFGK@M GIJHKJE K\ \IBM IJA \ML]WM6
Qkq`m Bwmy}mjl{ ^mwlmjq Ri`ka
^mwlmjq
L}d}`iqkrm
^mwlmjq
Kjqmwjmq ]|mw => => => =>
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Dmij 9*33
Dmakij 9*>>
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\qa* Amrkiqkfj *29;
Riwkijlm *
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Dfgk`m gijhkje k| |ibm ija |ml}wm6 15 ~mf~`m ekrm i ~f|kqkrm wm|~fj|m bfw dfgk`mgijhkje k| |ibm ija |ml}wm* Fj`{ < ~mf~`m ekrm i jmeiqkrm wm|~fj|m*
15
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
83/99
DFGK@M GIJHKJE K\ \IBM "\ML]WM6 KB [M\, UC[6
Qkq`m Bwmy}mjl{ ^mwlmjq Ri`ka^mwlmjq
L}d}`iqkrm ^mwlmjq
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[f} cirm ckec`{ |ml}wmadfgk`m
2 2*> 2*> =2*>
{f}w gijh }|m| ckec`{ |ml}wma
mjlw{~qkfj bfw |kqm
[f} cirm ckec`{ |ml}wmadfgk`m, {f}w gijh }|m| ckec`{
|ml}wma mjlw{~qkfj bfw |kqm
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dfgk`m,{f}w gijh }|m| ckec`{
|ml}wma mjlw{~qkfj bfw |kqm
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WIQKJE BFW DFGK@M GIJHKJE
Qkq`m Bwmy}mjl{ ^mwlmjq Ri`ka
^mwlmjq
L}d}`iqkrm mwlmjq
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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F}q fb 13, diofwkq{ fb ~mf~`m |i{ kq k| i rmw{ }|mb}` ija }|mb}`*
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
87/99
LCI^QMW? 5
C[^FQCM\K\ QM\QKJE
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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#9+
C>? Qcmwm k| i jmeiqkrm wm`iqkfj|ck~ gmqummj |iqk|bilqkfj ukqc kjqmwjmq gijhkje ija
dfgk`m gijhkje*
C9? Qcmwm k| i ~f|kqkrm wm`iqkfj|ck~ gmqummj |iqk|bilqkfj ukqc kjqmwjmq gijhkje ija
dfgk`m gijhkje*
Lfwwm`iqkfj|
Iwm {f}|iqk|bkmaukqc
kjqmwjmqgijhkje|mwrklm
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J 21 91
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Cmwm qcmwm k| i ~f|kqkrm wm`iqkfj|ck~ gmqummj |iqk|bilqkfj fb kjqmwjmq gijhkje ija
dfgk`m gijhkje*
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#7+
C>? Qcmwm k| i jmeiqkrm wm`iqkfj|ck~ gmqummj Iem ija }|m fb gijhkje |mwrklm*
C9? Qcmwm k| i ~f|kqkrm wm`iqkfj|ck~ gmqummj Iem ija }|m fb gijhkje |mwrklm*
Lfwwm`iqkfj|
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gijhkje|mwrklm{f} iwm}|kje6
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}|kje6
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Cmwm, qcmwm k| i ~f|kqkrm wm`iqkfj|ck~ gmqummj Iem ija ucklc gijhkje |mwrklm{f} iwm }|kje*
\f, C9 c{~fqcm|k| k| illm~qma*
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LCI^QMW? 3
BKJAKJE\
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Fjm ~f||kg`m wmi|fj k| qciq |kjlm Kjqmwjmq gijhkje kj Icdmaigia k| wm`iqkrm`{ jmu, df|q Kjqmwjmq}|mw| cirm {mq qf qw{ kq* I| i wm|}`q, qcm{ iwm }jig`m qf mbbmlqkrm`{ i||m|| qcm lfd~`mskq{ fb }|kje |}lc
|{|qmd| ija qcm kjb`}mjlm qciq |}lc lfd~`mskq{ di{ cirm fj qcmkw kjqmjqkfj|*
Kami``{, qcm Kjqmwjmq gijh |cf}`a jfq gm lciwekje ij{ bmm| bfw |kdk`iw |mwrklm| qciq iwm bwmm$fb$lciwemkj qcm ~c{|kli` ufw`a* Cfumrmw, lmwqikj qwij|ilqkfj|, |}lc i| lcmlh lijlm``iqkfj| ija ukwm qwij|bmw|,
uf}`a |qk`` wmy}kwm iadkjk|qwiqkrm lciwem|*
Qcm bkjakje| fb qck| |q}a{ i`|f cf`a kd~fwqijq ~wilqkli` kd~`kliqkfj| bfw gijh| qciq iwm l}wwmjq`{fbbmwkje Kjqmwjmq gijhkje |mwrklm| i| um`` i| gijh| qciq iwm ~`ijjkje qf fbbmw |}lc |mwrklm|* Bfw
msid~`m, kj ~wfdfqkje Kjqmwjmq gijhkje, |kjlm ~fqmjqki` iaf~qmw| iwm bf}ja qf wm`{ dfwm fj qcmkw fuj
mbbfwq| qf |miwlc bfw kjbfwdiqkfj wiqcmw qcij wm`{ fj wmbmwmjq ewf}~|*
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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LCI^QMW? ;
WMLFDDMJAIQKFJ\ IJA LFJL@]\KFJ
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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WMLFDDMJAIQKFJ\?
\ml}wkq{ Kjbwi|qw}lq}wm? ^HK k| qcm df|q birfwma qmlcjf`fe{ bfw |ml}wm Kjqmwjmq gijhkje |mwrklm|*Cfumrmw, kq k| jfq {mq lfddfj`{ irik`ig`m* Uck`m ^HK kjbwi|qw}lq}wm k| |qwfje`{ wmlfddmjama,
a}wkje qcm qwij|kqkfj ~mwkfa, }jqk` KAWGQ fw Efrmwjdmjq ~}q| kj ~`ilm qcm ^HK kjbwi|qw}lq}wm, qcm
bf``fukje f~qkfj| iwm wmlfddmjama*
9* ]|iem fb \\@, ucklc mj|}wm| |mwrmw i}qcmjqkliqkfj ija qcm }|m fb l`kmjq |kamlmwqkbkliqm| k||}ma g{ qcm gijh| qcmd|m`rm| }|kje i Lmwqkbkliqm \mwrmw*
7* Qcm }|m fb iq `mi|q 973$gkq \\@ bfw |ml}wkje gwfu|mw qf umg |mwrmw lfdd}jkliqkfj|ija, kj iaakqkfj, mjlw{~qkfj fb |mj|kqkrm aiqi `khm ~i||ufwa| kj qwij|kq ukqckj qcm
mjqmw~wk|m kq|m`b*
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|mwrklm|* \}lc kjkqkiqkrm| uk`` cm`~ l}|qfdmw| qf gm dfwm bidk`kiw ukqc qcm gijh ija kq| Kjqmwjmq
gijhkje |mwrklm, ij kd~fwqijq lwkqmwkfj kj cm`~kje ~fqmjqki` iaf~qmw| |m`mlq qcm Kjqmwjmq gijh*
\kjlm qcm lf|q fb f~mwiqkje Kjqmwjmq gijhkje |mwrklm| k| `fu, Kjqmwjmq gijh| |cf}`a `ffh bfwf~~fwq}jkqkm| qf `fumw qcm lciwem| ija qwij|bmw qcm lf|q |irkje| qf l}|qfdmw|* Md~ci|kzkje qcm `fumw
lciwem| bfw fj`kjm qwij|ilqkfj| i| fjm fb qcm hm{ gmjmbkq| |cf}`a gm i bmiq}wm fb ~wfdfqkfji` mbbfwq|*
Kjlwmi|kje }|iem fb dfgk`m ~cfjm| k| efkje qf wmrf`}qkfjkzm qcm gijhkje l}`q}wm kj jmiw b}q}wm?$ Dfgk`m gijhkje k| i`|f emqqkje ~f~}`iw kj qcm |medmjq fb kjqmwjmq gijhkje qc}| qck| lij iaa |fdm
dfwm |qm~| qf ~wfewm|| bfw \GK* Gijh k| kjqf qcm dfgk`m gijhkje g}q kq k| ~wfrkakje `kdkqma bmiq}wm|*
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LFJL@]\KFJ?
Kjqmwjmq gijhkje ija Dfgk`m Gijhkje k| lcijekje qcm gijhkje kja}|qw{ ija k| cirkje qcm diofw
mbbmlq| fj gijhkje wm`iqkfj|ck~|* Qcm jmq gijhkje, qc}|, 'jfu iwm dfwm fb i jfwd wiqcmw qcij ij
mslm~qkfj kj dij{ amrm`f~ma lf}jqwkm|' a}m qf qcm bilq qciq kq k| qcm mlfjfdkli` ui{ fb ~wfrkakje
gijhkje |mwrklm|* Gijhkje k| jfu jf `fjemw lfjbkjma qf qcm qwiakqkfji` gwklh ija dfwqiw gwijlcm|,
ucmwm fjm ci| qf gm iq qcm gwijlc kj ~mw|fj, qf ukqcawiu li|c fw am~f|kq i lcmy}m fw wmy}m|q i
|qiqmdmjq fb illf}jq|* Qcmwm k| jmma qf |lij ija iji`{zm qcm diwhmq ija wm|~fja qf qcm jmma| fbl}|qfdmw| ija qf emjmwiqm iuiwmjm|| wmeiwakje iarijqiem| fb kjqmwjmq gijhkje*
Kj qw}m Kjqmwjmq gijhkje, ija Dfgk`m gijhkje ij{ qwij|ilqkfj k| |ibm ija |ml}wm* Kjqmwjmq gijhkje ija
Dfgk`m gijhkje i`` kjy}kw{ k| ~wflm||ma fj`kjm ukqcf}q ij{ wmbmwmjlm qf qcm gwijlc #ij{ucmwm
gijhkje+ iq ij{ qkdm* ^wfrkakje kjqmwjmq gijhkje ija Dfgk`m gijhkje k| kjlwmi|kje`{ gmlfdkje i
%jmma qf cirm% qcij i %jklm qf cirm% |mwrklm|*
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LCI^QMW? 9>
IJJMSQ]WM
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
96/99
9>*9 Y]M\QKFJJIKWM
Amiw \kw&Diaid,
K id i DGI |q}amjq ija i| i ~iwq fb d{ \}ddmw Kjqmwj|ck~ ^wfewid K id lfja}lqkje i wm|miwlc* K
|f`klkq {f}w ri`}ma lff~mwiqkfj bfw qcm |idm, ukqc ij i||}wijlm qciq i`` qcm kjbfwdiqkfj, ~wfrkama g{
{f}, uk`` wmdikj lfjbkamjqki`* [f}w ~iwqklk~iqkfj kj qck| |}wrm{ k| ewmiq`{ i~~wmlkiqma*
\}gomlq? Kjqmwjmq Gijhkje ija Dfgk`m Gijhkje\ibm ija \ml}wm Gijhkje
9* Jidm? VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
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2* Ucklc gijhkje |mwrklm {f} iwm }|kje6
Dfgk`m Gijhkje
Kjqmwjmq Gijhkje
Jfjm fb Igfrm
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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Bfw }|mw| fb Kjqmwjmq Gijhkje
5* Ucklc fb qcm bf``fukje dfgk`m gijhkje bmiq}wm| uf}`a {f} }|m6
Illf}jq \qiqmdmjq Amdiq Illf}jq \qiqmdmjq Lcmy}m Gffh Wmy}m|q
B}ja| Qwij|bmw Gk`` ^i{dmjq QA\ Mjy}kw{
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Lfjrmjkmjlm Qf |irm qkdm
\ibm ija |ml}wm fqcmw #~`mi|m |~mlkb{+ VVVVVVVVVVVVV
9>* Ucklc fj`kjm bmiq}wm| af {f} }|m wme}`iw`{6
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99* Iwm {f} |iqk|bkma ukqc Kjqmwjmq Gijhkje |mwrklm ~wfrkama g{ {f}w gijh6
Ckec`{ |iqk|bkma \iqk|bkma Jm}qwi` Ak||iqk|bkma Ckec`{ Ak||iqk|bkma
97* Af {f} gm`kmrm qciq Kjqmwjmq gijhkje k| |ibm ija |ml}wm6
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9
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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Bfw }|mw| fb Dfgk`m Gijhkje
9=* Ucklc fb qcm bf``fukje dfgk`m gijhkje bmiq}wm| af {f} }|m6
Gi`ijlm kjy}kw{ Mdik` ija qmsq i`mwq| Fwamw lcmlh gffh|
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Ckec`{ |iqk|bkma \iqk|bkma Jm}qwi` Ak||iqk|bkma Ckec`{ Ak||iqk|bkma
93* Af {f} gm`kmrm qciq Dfgk`m gijhkje k| |ibm ija |ml}wm66
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9;* Kb {m|, Uc{6
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Fqcmw #^`mi|m |~mlkb{+ VVVVVVVVVVVVVVVVVVVV
7>* [f}w wiqkje bfw Dfgk`m Gijhkje*
Rmw{ ]|mb}` ]|mb}` \fdmuciq ]|mb}` Jfq ]|mb}`
Aiqm ? VVVVVVVVV
^`ilm? VVVVVVVVV \kejiq}wm VVVVVVVVVVV
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7/23/2019 Internet Banking and Mobile Banking - Safe and Secure Banking
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9>*7 GKG@KFEWI^C[
Umg|kqm|?
uuu*wgk*fwe*kj uuu*fj`kjm|gk*lfd uuu*|gk*lf*kj uuu*klklkgijh*lfd cqq~?&&dfgk`m*fj`kjm|gk*lfd&|gkafuj`fiamw&~f~}`iqm*ilqkfj cqq~?&&uuu*|gkliwa*lfd&|mwrklm|VbfwV{f}&|gkVdfgk`mVgijhkjeV>V>;911