1. Formation of skilled users in E-banking
Group – 5
Bikash Thapa, Bishwas Regmi, Nikita Shrestha, Niraj Shrestha, Surendra tiwari

2. Introduction
E-banking is a service provided by a Bank or other financial institutions that allows its customers to conduct financial transaction/services through internet.
E-banking has changed the traditional banking method.

3. Ways of e-banking Automated Teller Machines (ATM) Smart Cards
Point of Sales (PoS)
Telephone Banking (Tele Banking)
Internet Banking
Mobile Banking (SMS Banking)
Smart Cards

4. History
NABIL was the first bank to start Credit Card in early 1990( JV).
Himalayan Bank introduced Automated Teller machine (ATM) in and tele banking which Started from 1997.
Kumari Bank first introduced SMS banking in 2002 and Internet banking was first introduced by Laxmi bank in 2004.

5. Total Number of BFIs in Nepal
Commercial Banks 28
Development Banks 33
Finance Companies 24
Micro Credits 57
Total

6. NUMBER OF BANK ACCOUNTS IN THE COUNTRY
Class A
Class B
Class C
Total
*as of Push 2075

7. Policy Provision
1. Directives no. 20/075 : About Electronic Banking Services. Branchless Banking : Terms, Conditions, Minimum Requirements, Contract between Bank and Customers, Reporting 2. Directives no. 21/075 : Provision related to Protection of Financial Customer and Financial Literacy - Should give information about accounts, Fees, Procedure, Procedure on different kinds of electronic Cards………

8. 3 Directives no. 5/075 : Limit on Electronic Transactions
Prepaid Card : 1 lakh (Nepal 25 Thousand-Day, 50 Thousand – Month)
David Card: 25 Thousand- Per Transaction, 1 lakh-Day
Mobile Banking : Per Transaction, 15 Thousand- Day, 50 Thousand- Month
Internet Banking : 1 Lakh - Day, 10 Lakh- Month
E- Wallet : Per Transaction, 15 Thousand- Day, 25 Thousand- Month

9. Number of mobile banking customer in Nepal
Year
Class A
Class B
Class C
Total
2075
509897
18488
2074
314926
17103
2073
174389
11331

10. Number of internet banking customer in nepal
Year
Class A
Class B
Class C
Total
2075
835293
17444
3958
856695
2074
825097
14638
2696
842431
2073
544008
18219
1901
564128

11. Internet users in Nepal

12. Who IS left OUT ?
Out of total, 71.74% person people having bank accounts still don’t take e banking service.
Out of total, 53.26% person using broadband internet don’t use e banking.

13. Challenges - skilled users in E-Banking
Infrastructure
Perception Towards Banking
Risk Management/Operability
Linguistic/Literacy Factor
Transaction Limitations

14. solutionS Digital Literacy ICT awareness Campaigns Financial Literacy
Policy Amendment
Simple and easily usable UI
Academic Syllabus reformation

15. outcomes Paperless Operation Cashless Transaction
Minimizing operation cost
Time saving
Quality in Service

16. us on