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CONTRIBUTIONS- Volume III" was released at Banknet India's Third Conference on Payment Systems in Banks on 10th January 2007 at Mumbai.
Survival in a dynamic and competitive business environment is not restricted to mere implementation of Information Technology solutions across the organisation. It calls for well documented procedures, policy frameworks and risk management tools to make these systems more efficient. Over time, these result in higher expectations from the implemented systems in addition to the newer areas of business.
‘Contributions – Vol. II’ is a compilation of 5 research papers by distinguished authors, which focuses on these aspects and provides guidelines to address these issues. The basic objective of bringing out this publication is therefore to disseminate the knowledge that could be utilised by professionals in the areas of banking, finance and technology.
Paper – I
The paper on ‘Risk Management Practices – Stress Testing of Asset Portfolio by Banks in India’ by Mr. K. Kameswara Rao, Asst General Manager, State Bank of India, Hyderabad, attempts to abridge the guidelines issued by Basle Committee on Banking Supervision (BIS) & Reserve Bank of India (RBI) and also review some of the key issues relating to Stress Testing practices being adopted by some of the Indian banks.
Paper – II
‘Reinventing Branch Banking in the New Cyber Age’ is a paper by Mr. K.N.C. Nair, Practice Head, Banking & Financial Services,
Garnet Global Infotech, Bangalore,
on optimising the use of traditional branch banking when technology takes care of the usual transactions. In his paper the author has shown how the branch channel can be a great tool to building relationships with customers – where technology still falls short.
Paper – III
‘Journey of Indian Payment Systems – On Move from Paper Based to Electronic Based Settlement’ by Mr. Narinder Kumar Bhasin Assistant Vice President, UTI Bank, New Delhi,
shows the importance and need for considering a change in the way inter-bank transactions is being done, by moving to electronic-based settlement systems.
Paper – IV
The paper ‘A Study of Consumers’ Awareness, Attitude and Acceptance of Internet and Mobile Banking in the IT Capital of India’ is a study by Prof. Anu Singh, Professor - Managerial Economics, Alliance Business Academy, Bangalore,
to show the extent to which people use and perceive the latest technologies implemented by banks. The author also shows the reasons for consumers’ resistance to these and has chosen the city of Bangalore for the study.
Paper – V
‘E-Commerce Frauds & Effective Low Cost Curbing Methods’ by Mr. Joiyesh Sampat, Head - Operations,
deliberates the need of double authentication to reduce crimes caused due to weak passwords and other human errors. The author shows some cheaper alternatives to the usually expensive security systems.
LIST OF PAPERS
I. RISK MANAGEMENT PRACTICES – STRESS TESTING OF
ASSET PORTFOLIO BY BANKS IN INDIA
II. REINVENTING BRANCH BANKING IN THE NEW CYBER AGE
III. JOURNEY OF INDIAN PAYMENT SYSTEMS – ON MOVE FROM
PAPER BASED TO ELECTRONIC BASED SETTLEMENT
IV. A STUDY OF CONSUMERS’ AWARENESS, ATTITUDE AND
ACCEPTANCE OF INTERNET AND MOBILE BANKING
IN THE IT CAPITAL OF INDIA
V. E-COMMERCE FRAUDS & EFFECTIVE LOW COST