1. Archit Patel Hitesh Chaurasia Lucina Roy Morten Pereira Roopali Navani
E-Commerce
Archit Patel
Hitesh Chaurasia
Lucina Roy
Morten Pereira
Roopali Navani

2. Development of E-Commerce
A competitive advantage is an advantage over competitors gained by offering consumers greater value, either by means of lower prices or by providing greater benefits and service that justifies higher prices.
Industries are facing increasing competitive pressures due to market saturation, internationalization, the proliferation of customer needs
Information technology is significantly changing the way firms are managing their relationships within their markets and the firm’s internal and external processes

3. Benefits of E-Commerce
Faster and Self-service
More product choices and integrated solutions for conducting transactions.
Firms engage in electronic supported service (e-Service) to integrate sales and service and to create seamless support.
Flexible fulfillment, convenient service delivery and improved process delivery.

4. E-Commerce in banks
The beauty of Internet banking lies in its low cost, convenience and availability.
The integrated technology enables banks and financial companies to offer services with the following qualities: 24- hour, seven-days-a-week availability, convenience, fast delivery, customer focus and personal service.
The reach and delivery capabilities of computer networks such as the Internet, far exceeds any proprietary bank network ever built and makes it continually easier for customers to manage their money anytime, anywhere

5. Non – Core business
Service aspects that are not necessarily required by a firm in fulfilling its value proposition to its customers.
Some of our Non – core business are as follows :
E- Collaboration with other businesses such as Airlines, hotels , Shopping centers , etc.
Phone banking centers
IT software and hardware services in financial institutions

6. E-Brochures

7. E - Collaboration

8. E-collaboration

9. Core - Business Core Business is the Life Blood of any organization
Below facilities would be provided to our customers to strengthen our core – business
Net – Banking for Retail and Corporate customers
Foreign Exchange Trading
Corporate Bonds Trading
Equities Trading
Life / Health / Car / Travel Insurance online

10. Core - Business Online Application for Loans Mutual Funds
Wealth Management for Corporate customers
Cash Management services for Corporate customers
Trade services
Bank Guarantee
letter of Credit
Export – Import negotiations
Bullion Consignment
Over-sea Transfers

11. Customer Enhancement Mobile Banking Internet banking Phone Banking ATM
Door Step banking
Priority Banking
NRI banking
SMS / Alerts

12. Customer Support Online Support - Email , Chat Phone Banking FAQ
News and Updates
Grievance redressal
E-forms
Branch / ATM Locator

13. Payment Gateway
A payment gateway facilitates the processing of electronic transactions
Payment gateways provides the tools to process payments between customers, businesses, and banks.
Major Players for Payment Gateway are :
Authorize. Net : Visa Payment Gateway
CCAvenue : The biggest player in India
EBS ( E- Billing Solutions) : The second best player.
ICICI Payseal : The only bank who offer to small enterprises
RBS WorldPay : Europe’s largest payment service providers
S.W.I.F.T : Society for Worldwide Interbank Financial
Telecommunication

14. Working of a Payment Gateway

15. S.W.I.F.T Interbank payments
Society for Worldwide Interbank Financial Telecommunication
It is an industry-owned co-operative that supplies secure messaging services to financial institutions
SWIFT network sends messages using a technology known as packet switching.
The banks send messages to SWIFT which, in turn, pass on the messages to the Beneficiary Banks
There are mainly 3 kinds of SWIFT messages used for payments:-
MT101 (Request for Transfer) – This message is sent as a request for the transfer of funds to a financial institution to send an MT103 on his behalf.
MT103 (Client Transfer) – This message is sent for Transfer of funds from Sending party to Beneficiary party (One of the parties has to be a client).
MT202 (Bank Transfer) – This message is sent for transfer of funds between two banks

16. Working of S.W.I.F.T Nostro : My account in your bank
Vostro : Your account in my bank

17. Thank You