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     IN PAKISTAN BANKING

    SECTORPresented by

    Kamran Alam

    MAF 05093010

    University of Lahore

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    OUTLINE

    • Introd!tion

    • Literatre "evie#

    • "esear!h Methodolo$y• "esear!h %estions

    • Findin$s & Analysis

    • 'on!lsion

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    Introduction

    • Internet ban(in$ system has be!ome )o)lar in

    re!ent years* Internet ban(in$ system is very easy

    for !stomer to a!!ess his a!!ont+ !he!( his

    balan!e and transfer his money #ithin mintes*'rrently the a!!ont holders of a ban( #ant to

    easy and ,i!( a!!ess and se!rable #ay to

    #ithdra# his money or other ban(in$ )rod!ts*

    -nline ban(in$ is one of the best #ay to a!!ess

    ban(in$ )rod!ts+ yo !an !he!( yor balan!e+ )ay

    yor bills at yor home .st thro$h enter #ith yor

    email id on yor res)e!tive ban( #eb )ortal*

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    Introduction (Continued…)

    • Internet ban(in$ servi!es means the servi!es are

    )rovided by a ban( to their !stomers thro$h

    internet* /ome eam)les of internet ban(in$

    servi!es are as belo#

    • Electronic Fund Transfers (EFT)

    • Debit Card 

    • Utility Bills Payment • Credit Card 

    • Prepaid Smart 

    • Bank AccountBalance Statement

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    LITERATURE REVIEW

    • In 1999+ there #as first bsiness in the finan!ial

    servi!es indstry )arti!larly in retail and $eneral

    ban(in$ that reali2ed the $reat o))ortnities of the

    internet and too( initiative to )rovide online servi!es4aer+ 1999* Many #old !laims 67!ommer!e is

    brin$in$ reforms in !or)orate se!tor 8 indstries

    o#!roft+ :001.  ;he !laim )roves tre #hen

    internet bro$ht ele!troni! revoltion in ban(in$

    se!tor sin!e 1995

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    LITERATURE REVIEW(Continued..)

    • Internet ban(in$ !overs the ban(in$ servi!es of

    fnd transfer+ !redit !ard servi!es+ !ash #ithdra#al

    from A;M ma!hine+ !he!(in$ balan!es+ savin$s &

    de)osits and bill )ayment 4an(s+ :001* Internetban(in$ )rovide servi!es to their !lients !he!(

    ban(in$ transa!tions in )erformin$ bsiness at

    offi!e or at home to se any !om)ter that is

    !onne!ted thro$h internet and has a hi$h s)eed

    bro#ser /herrod+ :000*

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    ET!O"OLOG# 

    • ;he ,alitative and ,antitative both a))roa!hes are

    mentioned in my thesis to ma(e more a))ro)riate and

    stron$ stdy #or(* %alitative resear!h a))roa!h and

    its analysis re,ire ne# resear!h methods to brin$ otthe real reasons for nderstandin$ any a!tivity of the

    res)ondent li(e !stomer or anyone* =hile

    %antitative resear!h a))roa!h )rovides fa!ts that

    !an be stated in nmbers li(e )er!enta$es+ statisti!alvales and ths the !on!lsions #old not ta(e into

    !onsideration the )ossible ans#ers to #hy that

    in!ldes the real reasons K*A* Matin and A*A* Mir2a+ :00>*

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    ET!O"OLOG# (Continued..)

    • /e!ondary sor!es are sed for the

    !olle!tion of data for instan!e+ from annal

    finan!ial re)orts and other )bli!ations of/tate 4an( of Pa(istan+ ne#s)a)er arti!les+

     .ornals+ boo(s+ ban(s bro!hres and annal

    re)orts of Allied 4an( Limited Pa(istan*

    • ;he data I !olle!ted for my resear!h #or(

    that is from Allied 4an( Limited in Pa(istan*

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    RESEARC! $UESTIONS

    • =hy did yo !hoose Allied 4an( Limited?

    • =hat is yor o)inion for satisfa!tion re$ardin$

    internet ban(in$ servi!es li(e A;M servi!e+ de)osit+

    #ithdra#als and statement of a!!ont+ have beenmet?

    • o# Allied 4an( is effi!ient in )rovidin$ the servi!es

    li(e de)osit+ #ithdra#al+ salary and a!!ont

    statement?

    • =hat are yor !omments or remar(s re$ardin$ the

    )er!enta$e of a!!ra!y for Pre)aration and

    Presentation of a!!onts of A4L?

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    RESEARC! $UESTIONS(Continued..)

    • =hat is yor level of satisfa!tion for monthly

    statements re$ardin$ #ithdra#al amont+ loan+

    monthly salary )ro!ess and )re)aration of

    statement of a!!ont?

    • o# m!h time yo s)end in ma(in$ a transa!tion

    li(e !ash de)osit and #ithdra#al #ith the online

    ban(in$ )rovided by a ban(?• =hat do yo feel that atomated system sed by

    the ban( is better+ more effi!ient and fast than the

    Manal led$er ban(in$ system?

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    RESEARC! $UESTIONS(Continued..)

    • o# m!h yo satisfied from the e7ban(in$

    system?

    • =hat do yo thin( that e7ban(in$ is a reason for

    time savin$?

    • o# satisfied are yo from the A4L A;M re$ardin$

    time savin$?

    • @o yo )ro)osed internet ban(in$ system andservi!es to ado)t as for time savin$?

    •  Any s$$estion to ma(e 67ban(in$ /ystem for more

    effi!ient+ a!!rate and ra)id servi!es )rovidin$?

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    %IN"INGS & ANAL#SIS

    • =hy did yo !hoose Allied 4an( Limited?

    4an( Lo!ation ! " Atomated ban(in$ systems ! "

    4an( staff )erforman!e ! " 4an( rates ! "

    A#e Bank

    $ocation

    Automated

    Bank System

    Bank Staff

    Performance

    Bank %ates

     A$e 17:5 1 1> 1 1

     A$e :B750 1 C9 0 0

     A$e 51 and above 5 :0 3 :

    Total & ' *

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    %IN"INGS & ANAL#SIS(Continued..)

    • =hat is yor o)inion for satisfa!tion re$ardin$

    internet ban(in$ servi!es li(e A;M+ =ithdra#als+

    @e)osits+ Fnd ;ransfer?

    A#e Customers +es ,o

     A$e 17:5 :0 19 1

     A$e :B750 50 C> 3

     A$e 51 and above 30 1B 1C

    Total -.. '/ -'

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    %IN"INGS & ANAL#SIS(Continued..)

    • o# Allied 4an( is effi!ient in )rovidin$ the servi!es

    li(e de)osit+ #ithdra#al+ salary and a!!ont

    statement?

      i$hly effi!ient D E+ 6ffi!ient D E+ ot effi!ient D E

    A'e !i'* e+cient E+cient Not

    E+cient

    A'e ,-/0 5 15 0

    A'e /102 12 35 3

    A'e 0, 3nd 34o5e 5 23 2

    Tot3 // 67 0

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    %IN"INGS & ANAL#SIS(Continued..)

    • =hat are yor !omments or remar(s re$ardin$ the

    )er!enta$e of a!!ra!y for Pre)aration and

    Presentation of a!!onts of A4L?

    A'e !i'*

    3ccur3te

    Accur3te In3ccur3te

    A'e ,-/0 5 15 0

    A'e /10222 28 0

    A'e 0, 3nd 34o5e 7 22 1

    Tot3 78 10 ,

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    %IN"INGS & ANAL#SIS(Continued..)

    • =hat is yor level of satisfa!tion for monthly

    statements re$ardin$ #ithdra#al amont+ loan+

    monthly salary )ro!ess and )re)aration of

    statement of a!!ont?A'e !i'*

    93ti9:ed

    S3ti9:ed Not

    S3ti9:ed

    A'e ,-/0 0 20 0

    A'e /102 8 42 0

    A'e 0, 3nd 34o5e 1 29 0

    Tot3 ; ;, 2

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    %IN"INGS & ANAL#SIS(Continued..)

    • o# m!h time yo s)end in ma(in$ a transa!tion

    li(e !ash de)osit and #ithdra#al #ith the online

    ban(in$ )rovided by a ban(?

    A'e Le99 t3n 3<3n our

    ore t3n3< 3n our

    ore t3none our

    A'e ,-/0 9 1 0

    A'e /102 25 0 0

    A'e 0, 3nd34o5e

    13 1 1

    Tot3 86 / ,

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    %IN"INGS & ANAL#SIS(Continued..)

    • =hat do yo feel that atomated system sed by

    the ban( is better+ more effi!ient and fast than the

    Manal led$er ban(in$ system?

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    %IN"INGS & ANAL#SIS(Continued..)

    • o# satisfied are yo from the A4L A;M re$ardin$

    time savin$?

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    %IN"INGS & ANAL#SIS(Continued..)

    • @o yo )ro)osed internet ban(in$ system and

    servi!es to ado)t as for time savin$?

    A'e Cu9to=er

    9

     #e9 No

    A'e ,-/0 20 19 1

    A'e /102 50 50 0

    A'e 0, 3nd 34o5e 30 27 3

    Tot3 ,22 ;1 8

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    %IN"INGS & ANAL#SIS(Continued..)

    •  Any s$$estion to ma(e 67ban(in$ /ystem for more

    effi!ient+ a!!rate and ra)id servi!es )rovidin$?

    •  A lar$e nmber of !stomers did not remar( on the

    last ,estion+ in this ,estion !stomers #ereas(ed to $ive the s$$estions to ma(e internet

    ban(in$ /ystem more effi!ient+ a!!rate and for fast

    servi!es bt only fe# !stomers re)lied #ith

    s$$estion for their easy #ay in to the A;M* In

    Pa(istan+ mostly A;Ms are installed in front of the

    4an( so !stomers have to $o ban( bran!hes in

    !ase of any transa!tion to se A;M*

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    %IN"INGS & ANAL#SIS(Continued..)

    • For the !onvenien!e of !stomers+ ban(s shold

    install A;Ms in )bli! )la!es li(e sho))in$ mall+

    )bli! )ar(s+ !olle$es & niversities+ et!* It #ill

    )rovide hel) to the !stomers to a!!ess A;M easily* 

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    CONCLUSION

    •  Altho$h Allied 4an( Limited is offerin$ variety of

    Internet ban(in$ servi!es to their !stomers and

    leadin$ ban( of Pa(istan in )rovidin$ e7fa!ilities bt

    its mar(etin$ is not m!h stron$* @es)ite havin$ over00 online bran!hes and 5>3 A;Ms lo!ation all over

    Pa(istan+ fe# )eo)le (no# abot A4L @ire!t Internet

    4an(in$ /ervi!es* A4L is offerin$ servi!es Pay

     Anyone money transfer servi!e li(e 6asy)aisa+ U4L-mni and #estern nion bt very fe# )eo)le (no#

    abot this servi!e* It is e)ensive system+ it needs

    )ermanent ele!tri!ity and hi$h internet se!rity*

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    $ue9tion9 & An9>er9

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    T!ANK #OU