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PS 302 Islamic Banking Products and Services
Transcript of PS 302 Islamic Banking Products and Services
Self Service Terminal
Self Services Terminals(SSTs) are electronic devices that facilitate a wide range of banking transaction but do not accept deposits or dispense cash.
also called brick-to-click banking.It is a bank that gives you the option of using checks ,depositing money and transferring money at their physical location, or the option to do most of your banking on your computer
ELECTRONIC BANKING AND OTHER SERVICES
Known as electronic fund transfer, uses computer and electronic technology in place of checks and other paper transaction.
System that allows customers of a financial instituition to conduct a number of financial transactions through a mobile device.
account information mini statements and checking of account history
Payments, deposits, transfer and withdrawals such as purchasing tickets for travel and entertainment and bill payment processing
online banking functions just like a physical bank. You can log on to your site and transfer between accounts, pay bills, use automatic deposits and check balances in all your accounts.
online banking allows you to access your bank account from your computer 24 hours a day.
also occassionally referred to as 'bank cards' or 'cheque cards'and those term accurately describe their function and uniqueness.
used to make cash withdrawals from a bank account or to pay for goods and services.
you are spending your own money not borrowed money so you must deposit funds before you can use your debit card
Group members : [ DIB 3B ]
* Putri Idayu Binti Amrizal (F1032)
*Sarah Sharlina Bt Shahrul Izam (F1033)
*Nurhidayah Binti Saimin (F1042)
*Siti Aishah Binti Shukri (F1044)
*Rozielawati Binti Rosli (F1046)
*Mazatul Athikah Bt Anuar (F1047)
They are accessible , easy to use , more cost-effective than branch transactions and help you to avoid unnecessary queues.
Example transaction SSt:
-Make payments to the third party beneficiaries
-transfer funds between linked accounts
-Request a statement search
CARD SERVICES IN
Transfer a funds to person resident in another country.
Types of card services
enables to buy good and services with a credit line
the transaction amount is deducted directly from the account
make purchases without cash or cheque & the amount need to reload
must settle their outstanding amount in full by the due date every month
can manage their outgoing cash more effectively
Other Types Remittances Services
1) family remittance
3)migrant worker remittance
CHALLENGES IN ELECTRONIC BANKING
Implementing electronic banking
Shortage of resources
Paucity of 100 % syariah compliant solution
Time to market
Bill payment system
-Maybank Scan & Pay
-Online bill payment
-via Maybank 2u at other
Financial process exchange
Security on the net
Step to secure online banking
Chip Based Card
Card and Pin Protections