1. C.PARAMASIVAN,Ph.D
Assistant Professor of Commerce
Periyar EVR College
Tiruchirappalli-620023

2. TOPIC TO BE COVERED
Introduction
Banking in India
banking Technology
Inclusive banking
 Suggestions
Conclusion

3. Introduction
 Information technology is one of the most
important facilitators for the transformation of the
Indian banking industry.
 The technological evolution of the Indian banking
industry directed by the various committees set
up by the RBI and the government of India .
 Ultimate success of IT is to reach the banking
services to unreached people in the country.

4. Banking in India
Commercial
Banks
Public Sector
Banks
(26)
Nationalized
Banks
(19+1)
SBI & Associates
Banks
(1+5)
Private Sector
Banks
(20)
Old Pvt SB
(13)
New Pvt SB
(7)
Foreign Banks
(40)

5. Banking Technology
 Computerization of banking industry.
 Satellite Banking
 Automatic Teller Machines
 Internet Banking
 Phone Banking
 Mobile Banking
 Card Based Delivery Systems
 Payment and Settlement Systems
 Electronic Clearing Service
 Electronic Funds Transfer Systems
 Real Time Gross Settlement (RTGS)

6. Inclusive banking
 Modern era is inclusivism
 Inclusive growth focus on
Inclusive Finance
Inclusive Banking
Inclusive Education
Inclusive Health Care
Inclusive Science & Technology
Inclusive banking initiated by RBI in 2006
Providing banking services at an affordable/free of
cost to unreached people.

7. Inclusive banking -Through
 Opening of no-frills accounts
 Relaxation on know-your-customer (KYC) norms
 Business correspondents (BCs)
 Use of Technology
 General credit cards
 Simplified branch authorization
 Opening of branches in unbanked rural centers

8. Suggestions
 More than 60% of people do not have bank
account
 Providing banking services is the way to
achieve inclusive growth.
 Using technology is the effective way to
inclusive banking
 Mobile banking is the effective medium of
inclusive banking
 Bankers must be honest in inclusive banking

9. Conclusion
 From enabling banking services to driving
transformation in the Industry.
 Information Technology course do promise to
change the pace of banking to the next few years.
 Mobile bank and internet banking are going to
make indoor in the banking sector in the near
future.
 Inclusive banking through technology is the only
way for inclusive grouts of the country.

10. Thank you