The E-Banking is an application that has been developed for a well-established regional bank operating primarily in south India.

The bank has several branches in key cities and towns in the north. In the world of this competitive environment and technological development, the bank has been totally computerized in the last 3 years, and to increase its customer base has started planning, for a concept called as e-banking; with this concept the bank wants to move very nearer to the customers and increase its basic operational strategies. Through E-Banking the bank wants to introduce the core concept of IT based Enabled Services (ITES). The E-Banking services are executed only upon the customer, and these e-banking services would fully integrate with the core banking solution that is already in usage. The major idea is to provide a series of services to the customer through the internet, and make the customer feel flexible in calling out simple tasks faster instead of making visit to the bank every time. The e-banking service is open only to savings bank. Customers and not for current account holders. The customer is privileged to use most of the system only as a viewing phase, the only online transactions the customer can do are chequebook requisition and fund transfer among his personal accounts. The project ahs been planned to be having the view of distributed architecture, with centralized storage of the database. The application for the storage of the data has been planned. Using the constructs of MS-SQLServer2000 and all the user interfaces have been designed using the ASP.Net technologies. The database connectivity is planned using the

E-banking Definition: The provision of banking service through electronic channels and the customer can access the data without time and geographical limitation Development of E-banking 1980s : - Rapid development of the Internet - TCP/IP system (communication system) - E-commerce May 1995 : Wells Fargo - the first bank in the world to offer customer access to their accounts over the internet . Allows customer to see their accounts online ICICI was the first bank to initiate the Internet banking revolution in India as early as 1997 under the brand name 'Infinity'. ICICI Bank kicked off online banking way back in 1996 . But even for the Internet as a whole, 1996 to 1998 marked the adoption phase, while usage increased only in 1999-due to lower ISP online charges, increased PC penetration and a tech-friendly atmosphere. RBI & E-Banking

 The Reserve Bank of India constituted a working group on Internet Banking. The group divided the internet banking products in India into 3 types based on the levels of access granted. They are:i) Information Only System: ii) Electronic Information Transfer System: iii) Fully Electronic Transactional System: Information Only System: General purpose information like interest rates, branch location, bank products and their features, loan and deposit calculations are provided in the banks website. There exist facilities for downloading various types of application forms. The communication is normally done through e-mail. There is no interaction between the customer and bank's application system. No identification of the customer is done. In this system, there is no possibility of any unauthorized person getting into production systems of the bank through internet. Electronic Information Transfer System: The system provides customer- specific information in the form of account balances, transaction details, and statement of accounts. The information is still largely of the 'read only' format. Identification and authentication of the customer is through password. The information is fetched from the bank's application system either in batch mode or off-line. The application systems cannot directly access through the internet. Fully Electronic Transactional System: This system allows bi-directional capabilities. Transactions can be submitted by the customer for online update. This system requires high degree of security and control. In this environment, web server and application systems are linked over secure infrastructure. It comprises technology covering computerization, networking and security, inter-bank payment gateway and legal infrastructure different services provided under e-banking ONLINE BILL PAYMENT SHOPPING TICKET BOOKING PRE PAID MOBILE RECHARGE MARKET WATCH PERSONAL HOME PAGE INVESTMENT SERVICES ONLINE APPLICATIONS PERSONAL UPDADATE SERVICE PROVIDED BY SBI Self-account funds transfer across India. Third party transfers in the same branch New account opening Demand Draft requests Standing instructions New Cheque-book request and much more Railway tickets booking, Utility bill payments LIC and other insurance premia payments, SBI Mutual funds Investments Remit Subscription to PPF account,

 Credit card dues payments, Deposit your taxes, Donations to your religious inspirations Donations to Red Cross and such other organisations Setting up SMS alerts for transaction information.