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By:Akash Khetpal

What is E- Banking
Its is called as ELECTRONIC banking Electronic banking is an umbrella term for the process by which a customer may perform banking transactions electronically without visiting the bank. Today the banking industry is expected to be a leading player in e-business. Electronic banking: personal computer (PC) banking, Internet banking, virtual banking, online banking, home banking and phone banking.

Payment through Internet. Does not involve physical cheque/DD/ Cash. No manual intervention of bank personnel. Secured way of money transfer. Industry standard security features used. Convenient to make transactions.

Process Flow for e-payments


ABC prepares the voucher in SAP for payment Payment detail downloaded in an intermediate file. ABC log on to Bankers Portal and uploads the file. ABC approves for final transaction.

ABC account gets Debited & vendors account gets credited Bank system creates reverse file

ABC download bank statement periodically from bank portal. ABC upload the bank statement into SAP for reconciliation

ABC downloads the reverse file from Banks portal.

ABC uploads the reverse file in SAP and takes exception report, for confirmation of right payment

Benefits of e-Payment
Benefits to Payee Instant credit of fund in payees account. Zero cheque traveling / realization time.

Benefits to Bank No manual intervention of bank personnel in day to day transaction.

Benefits to company or an individual customer. Saving of time & efforts for cheque / DD preparation & distribution.

No need of cash distribution counter.

Automatic Bank reconciliation. Easy account handling.

Security in e-Payment
Security - Needs of Internet Baking : Well protected through proper security mechanism

Use of B2B portal for Multi Tiered Security

Availability of Highly secured 128 bit encryption Firewalls & Filtering Routers, Secured Socket Layer (SSL), Digital Signature Server Security, Message privacy & Message

integrity by introducing Different codifications,

Certificates & Use of Private Key

Goodbye Cheques

e-Banking in GAIL Concluded as

As a part of modernization process, GAIL through the IT enabled techniques and to reap the benefits of web based technology, e-Banking has opened a new dimension that transforms the IT benefits in the financial counterpart. GAIL, now being equipped with the latest technologies, will be able to give its business partners the very best and the most efficient means of doing business. GAIL is recognized as a company which is constantly striving to deliver the best to all its stake holders and that cheque-books are now a history in GAIL

GAILs e-banking - in the media

Thank You