Modern Banking Technology
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Modern Banking Technology
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Author : Dr. Firdos T. Shroff
language : en
Publisher: Northern Book Centre
Release Date : 2007
Modern Banking Technology written by Dr. Firdos T. Shroff and has been published by Northern Book Centre this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
The book on Modern B@nking Technology is a systematic and comprehensive insight into technology-led banking. It is an encyclopaedia of Banking Technology. The book covers the rich experience of the author in the field of banking and finance. The book will be found useful by banks, researchers, Executives / Directors, IT professionals, pursuers of courses on IT by IIBF, viz., JAIIB / CAIIB / Diploma in Banking Technology / MBA / Certificate Examinations as also by IGNOU / ICAI / ICFAI / ICSI / ICWA / Management Institutions/Universities for practical exposure and professional orientation. The book contains in detail the following ¿Impact on and explosion of Banking Technology in new millennium ¿Innovations in 'Paperless¿ banking¿Payment and Settlement Systems (RTGS) & Cheque Truncations, etc¿Role of IDRBT in development of Protocols and Standards¿Role of IBA and Report on Banking Industry VISON-2010
Modernizing Legacy Banking Systems A Practical Guide To Digital Transformation 2025
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Author : Malli Temburu, Rakesh Kumar
language : en
Publisher: YASHITA PRAKASHAN PRIVATE LIMITED
Release Date :
Modernizing Legacy Banking Systems A Practical Guide To Digital Transformation 2025 written by Malli Temburu, Rakesh Kumar and has been published by YASHITA PRAKASHAN PRIVATE LIMITED this book supported file pdf, txt, epub, kindle and other format this book has been release on with Law categories.
PREFACE The financial services industry is at the precipice of a profound transformation. As technology continues to evolve, so too does the need for banks and financial institutions to modernize their core systems, many of which are deeply entrenched in legacy infrastructure. These outdated systems, while functional, are increasingly becoming impediments to growth, innovation, and customer satisfaction. To remain competitive and relevant in the modern world, banks must embrace digital transformation, adopt new technologies, architectures, and processes that enable them to meet the expectations of today’s digital-first customers. “Modernizing Legacy Banking Systems: A Practical Guide to Digital Transformation” is written for banking executives, IT leaders, and financial technology professionals seeking to navigate the complex journey of modernizing their legacy systems. In this book, we delve into the strategic, technical, and operational considerations of digital transformation in the banking sector. We examine the key challenges faced by institutions operating with legacy systems and provide practical guidance on how to evolve these systems to harness the full potential of modern technologies like cloud computing, data analytics, artificial intelligence (AI), and open APIs. This guide aims to provide a comprehensive, step-by-step approach to the modernization process, exploring everything from understanding the fundamentals of legacy banking systems to leveraging new technologies for improved operational efficiency, customer experience, and regulatory compliance. With case studies, industry best practices, and expert insights, we outline how banks can transform their IT infrastructure while minimizing risk and ensuring that customer needs remain at the heart of the process. The traditional model of banking—characterized by rigid, monolithic, and often siloed systems—is no longer suitable in an era where customers expect seamless, personalized, and always-on services. Modern banks are increasingly turning to cloud computing, data analytics, artificial intelligence, and API-driven architectures to provide more agile, scalable, and cost-effective solutions. Yet, the journey to digital transformation is complex. The scale of change required is vast, and each institution’s path will be unique, depending on its existing technology landscape, organizational culture, and strategic goals. We also explore the critical importance of data management, cybersecurity, and compliance in this transformation. As banks modernize their systems, they must ensure that security and privacy remain top priorities. Ensuring compliance with financial regulations, including GDPR, CCPA, and Basel III, is essential for both mitigating risk and maintaining customer trust in an increasingly interconnected digital world. The challenges of modernizing legacy banking systems are significant, but the opportunities are equally vast. With the right tools and strategies in place, banks can not only improve their internal operations but also enhance customer satisfaction, drive innovation, and create new avenues for growth. From improving operational efficiency to offering new services, the benefits of a well-executed digital transformation are clear. This book aims to serve as both a roadmap and a reference for financial institutions at any stage of their modernization journey. Whether you’re just beginning to explore the potential of digital transformation or are during overhauling your systems, this guide provides valuable insights and actionable strategies that can help ensure success. In the chapters that follow, we will walk you through the essential components of modernizing legacy banking systems, covering topics ranging from the technical architecture of cloud-based core banking platforms to the role of artificial intelligence in improving customer service. By the end of this guide, readers will have a clear understanding of how to navigate the complexities of digital transformation and unlock the full potential of modern banking technology. As we move forward into this digital age, one thing is certain: banks must evolve, adapt, and embrace change if they are to thrive. This book will help you take the first steps on that transformative journey. Authors
Modern Banking Second Edition
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Author : MURALEEDHARAN, D.
language : en
Publisher: PHI Learning Pvt. Ltd.
Release Date : 2014-11-01
Modern Banking Second Edition written by MURALEEDHARAN, D. and has been published by PHI Learning Pvt. Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-11-01 with Business & Economics categories.
Technological innovations and advancements have spread into every sphere of life and banking is no exception. With competition being tough and fierce, business, especially banking, has to adopt new methods and techniques. Modern banking essentially implies use of modern technology and communication tools, for example, computer and the Internet, for bringing about more efficiency and speed in banking operations and making them more and more customer friendly and customer focused. This accessible and well-written text examines the latest developments in the Indian Financial System and the significant roles the Indian Banking Sector has played in the development of the economy. Thoroughly practical and comprehensive, the book discusses the modern trends in Indian banking, especially its prospects with the use of technology, and other core areas of banking. It covers a wide range of topics such as financial markets and institutions; the role of central banks in different countries, including the role of RBI which is the central bank of India; basic lending principles; methods of remittance; services approach; and micro-credit. Besides, it dwells in details on venture capital, credit rating, modern e-payment systems, core banking, and hi-tech banking. Now in the Second Edition, the book has been thoroughly revised and updated. This edition includes several new topics, such as local area banks, EXIM Bank (Amendment) Act, 2011, stock invest, Factoring Regulation Act, 2011, prepaid payment instruments, GIRO payment, white label ATMs, tablet banking, recent development in priority sector lending, financial inclusion plan, Micro-finance Institutions (Development and Regulation) Bill, 2012, technology in the banking sector, Basel Committee, global economic trends, KYC, rural infrastructure development fund, licensing of new banks in private sector, gold loans, and shadow banking system. Intended primarily as a text for the students of Commerce, this student-friendly text should prove to be extremely useful also for the postgraduate students of Management, Finance, and Economics. It should prove equally useful to students of Chartered Accountancy and those appearing in competitive examinations. The book can also be profitably used by practising managers, bankers, researchers, and all those who would like to acquaint themselves with modern Indian banking, especially the role of banks in the new millennium. Key Features • Coverage is quite comprehensive, with latest data • Lays special emphasis on IT-enabled and technology-based banking practices
Computer Engineering Concepts Methodologies Tools And Applications
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Author : Management Association, Information Resources
language : en
Publisher: IGI Global
Release Date : 2011-12-31
Computer Engineering Concepts Methodologies Tools And Applications written by Management Association, Information Resources and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-12-31 with Computers categories.
"This reference is a broad, multi-volume collection of the best recent works published under the umbrella of computer engineering, including perspectives on the fundamental aspects, tools and technologies, methods and design, applications, managerial impact, social/behavioral perspectives, critical issues, and emerging trends in the field"--Provided by publisher.
Iibf X Taxmann S Information System For Banks Seamlessly Uniting Banking Operations Technology Offering A Structured Future Ready Roadmap For Readers In A Rapidly Evolving Financial Ecosystem
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Author : Indian Institute of Banking & Finance
language : en
Publisher: Taxmann Publicaions Private Limited
Release Date : 2025-05-14
Iibf X Taxmann S Information System For Banks Seamlessly Uniting Banking Operations Technology Offering A Structured Future Ready Roadmap For Readers In A Rapidly Evolving Financial Ecosystem written by Indian Institute of Banking & Finance and has been published by Taxmann Publicaions Private Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 2025-05-14 with Law categories.
Information System for Banks is a comprehensive guide to the intersection of modern banking operations and technology. This book aligns with the evolving dynamics of the financial industry in the digital age. It brings in-depth knowledge of information systems, cybersecurity risks, legal frameworks, auditing standards, and the technology-driven transformations reshaping the banking sector. It integrates foundational concepts with contemporary technology practices. It is a repository of theoretical and applied know-how, ensuring readers can navigate and innovate in a rapidly changing digital banking environment. This book is intended for the following audience: • Banking Professionals and Auditors – Front-line managers, auditors, and banking officers who need clarity on the essentials and emerging trends in information systems, risk management, cybersecurity, and business continuity • Students and Exam Aspirants – Individuals preparing for IIBF's Certified Information System Banker and other professional certifications who require a clear understanding of banking technology frameworks • IT & Security Practitioners – Technology teams, cybersecurity specialists, and software developers serving in the banking domain, seeking structured insights into operational risks, compliance, and regulatory guidelines • Senior Management and Decision-makers – Executives responsible for strategic planning, policy formulation, and oversight in banking operations, aiming to stay updated on the latest regulatory requirements and IT governance models The Present Publication is the 2025 Edition, updated by Mr Naga Mohan Gollangi (Former Chief Information Security Officer – Bank of India) and vetted by Mr Burra Butchi Babu (Former General Manager – Bank of India). Taxmann exclusively publishes this book for the Indian Institute of Banking and Finance with the following noteworthy features: • [Contemporary Insights] This book captures the impact of digital payments, mobile banking, cybersecurity threats, and data privacy challenges • [Regulatory Alignment] Up-to-date coverage of the regulatory directives, including the Payment & Settlement Systems Act, IT Act and amendments, RBI guidelines, and global standards like ISO 27001 and ISO 22301 • [Comprehensive Syllabus] Aligned with the Certified Information System Banker examination, ensuring coverage of every critical module—ranging from technology in banks to legal frameworks, business continuity, and IS audit • [Practical Approach] Emphasises hands-on learning with practical examples, checklists, 'Check Your Progress' Q&A sections and references to day-to-day operations in modern banking • [Structured Learning] Organised into modules for clear navigation, enabling readers to systematically progress from foundational elements to advanced auditing and security concepts • [Foreword by Industry Leaders] Reflects the institute's vision of empowering banking professionals to thrive in a technology-driven environment • [Future-ready] – Includes discussions on next-generation banking technologies such as AI-driven processes, fintech collaborations, blockchain elements, and how these align with existing regulatory requirements The coverage of the book is as follows: • Module I | Technology in Banks o Banking Environment & Technology – Evolution of banking from manual ledgers to core banking solutions and omnichannel services o Processing Infrastructure – Core components of payment and settlement systems, including NEFT, RTGS, IMPS, UPI, and ECS, and how they revolutionise fund transfers o Accounting Information System – Architecture, advantages, and best practices for modern AIS implementation o Information Organisation & Management – Importance of MIS, data warehousing, reporting, and analytical processing o Risk Associated with Technology – Identifies various risks—cybersecurity, reputational, legal—and discusses security controls and oversight o Audit Function & Technology – Lays the groundwork for using technology in auditing processes • Module II | Technology – System, Development, Process, Implementation o Hardware Architecture – Types of computers, components, and modern hardware sizing for banks o Software Platforms – Distributed systems, DBMS fundamentals, SQL, data administration, and security controls o System Development Life Cycle – Phases of SDLC and software engineering basics, critical for developing robust banking applications o Computer Networks – Explores LAN, WAN, OSI models, SD-WAN, and the latest networking technologies • Module III | Business Continuity o Business Continuity & Disaster Recovery Planning – Strategies for BCP and DRP, regulatory guidelines, risk analysis, and practical aspects in banking • Module IV | Overview of Legal Framework o Online Transactions – Trends & Legal Implications: E-money, embedded banking solutions, IT Act amendments, governance in financial services • Module V | Security & Control Standards in Banking o Security – Addresses information security needs, threat landscape, risk management processes, and global best practices like OECD Guidelines o Control – Focuses on application control frameworks, ISO standards (27001, 22301, 9001), and key risk-based control mechanisms • Module VI | Securities Policies, Procedure & Controls o Development and Review of Security Policies – Policy formulation, key components of security policy, monitoring and compliance o Compliance and Incident Management – Ensuring adherence to guidelines, handling security breaches, application controls o Network Security – Safeguards, risk mitigation, and continuous improvement strategies for secure network operations • Module VII | Information Security & IS Audit o Information Security – Detailed coverage of policies, standards, procedures, and guidelines, covering password management, data classification, change management, etc. o IS Audit – Objectives, risk-based frameworks, IS auditing standards, CAATs, and concluding thoughts on ensuring robust IS governance • References & Glossary o Provides references to IT Acts, standards, and guidelines o Comprehensive glossary simplifying key abbreviations and technical terms used throughout the text The structure of the book is as follows: • Logical Modules – Seven modules forming a progressive pathway—from foundational banking-technology environments to specialised domains like legal frameworks, security architectures, and audit processes • Unit-wise Breakdown – Each module is divided into units, offering clear headings and sub-headings for focused learning • Learning Aids – Each unit includes 'Check Your Progress' sections and answer keys—ideal for self-assessment • Industry & Case-Based Perspectives – Integrates examples, regulatory norms, and operational nuances, ensuring learners can directly relate to on-the-ground banking scenarios • Exam-oriented – Reflects the Certified Information System Banker syllabus, helping aspirants systematically track their study progress and grasp exam-critical areas
Explainable Artificial Intelligence In The Digital Sustainability Administration
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Author : Alhamzah Alnoor
language : en
Publisher: Springer Nature
Release Date : 2024-06-28
Explainable Artificial Intelligence In The Digital Sustainability Administration written by Alhamzah Alnoor and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-06-28 with Computers categories.
This book explores current research trends in the context of the explainable artificial intelligence’s impact on the digital sustainability trend while delving into case studies on education, tourism, marketing, and finance. These trends are examined through various case studies utilizing distinct analytical methods. The chapters are expected to support scholars and postgraduate students in furthering their research in this field and in recognizing prospective advancements in the applications of artificial intelligence.
Banking On The Future
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Author : Hany Abou-El-Fotouh
language : en
Publisher: eBookIt.com
Release Date : 2024-10-18
Banking On The Future written by Hany Abou-El-Fotouh and has been published by eBookIt.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-10-18 with Business & Economics categories.
Step Into the Future of Banking and Finance In a rapidly evolving world, banking isn't what it used to be. Dive into Banking on the Future: Innovation, Technology, and Customer Experience, a compelling exploration of how the banking industry is being transformed by the latest technological advancements. Journey through the past and discover the profound changes in Chapter 1: The Evolution of Banking, where the historical perspective meets the digital transformation. Experience firsthand how artificial intelligence, blockchain, and cloud computing are becoming the cornerstones of modern banking in Chapter 2: Technology Trends. As technology reshapes the industry, job roles are undergoing significant shifts. Chapter 3: Changing Job Roles provides an insightful analysis into the impact of automation, extricating routine tasks, and the digitization ripple effect on the workforce. Adaptability and digital literacy emerge as key skills for the future, as you'll learn in Chapter 4: Skills of the Future. Customer experience has never been more critical. In Chapter 5: Customer Experience in the Digital Age, discover how banks are leveraging technology to engage customers like never before, through personalization, and the latest mobile and online trends. This book also delves into Chapter 6: Workplace Culture, examining how remote work, diversity, and inclusivity are reshaping the banking sector's internal dynamics. Regulatory landscapes are continually evolving, and Chapter 7: Regulation and Compliance equips you with knowledge to navigate these changes while balancing innovation. Real-world examples and success stories from around the globe are highlighted in Chapter 8: Case Studies and Examples. Learn how banks are protecting customer data and addressing emerging threats in Chapter 9: Cybersecurity in Banking. Finally, explore how technology is bridging gaps and expanding financial services to underbanked populations in Chapter 10: Financial Inclusion and Accessibility. Partnership and collaboration are the new success catalysts, as detailed in Chapter 11: Collaboration and Partnerships. What does the future hold for banking? Predictions and upcoming opportunities await you in Chapter 12: Future Outlook. Embark on this fascinating journey and prepare to be a part of the banking revolution! Secure your copy now and stay ahead in the world of finance.
Modern Banking
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Author :
language : en
Publisher:
Release Date : 2016-11-30
Modern Banking written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-11-30 with categories.
Banking And Financial Markets
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Author : Andrada Bilan
language : en
Publisher: Springer Nature
Release Date : 2019-11-13
Banking And Financial Markets written by Andrada Bilan and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-11-13 with Business & Economics categories.
The traditional role of a bank was to transfer funds from savers to investors, engaging in maturity transformation, screening for borrower risk and monitoring for borrower effort in doing so. A typical loan contract was set up along six simple dimensions: the amount, the interest rate, the expected credit risk (determining both the probability of default for the loan and the expected loss given default), the required collateral, the currency, and the lending technology. However, the modern banking industry today has a broad scope, offering a range of sophisticated financial products, a wider geography -- including exposure to countries with various currencies, regulation and monetary policy regimes -- and an increased reliance on financial innovation and technology. These new bank business models have had repercussions on the loan contract. In particular, the main components and risks of a loan contract can now be hedged on the market, by means of interest rate swaps, foreign exchange transactions, credit default swaps and securitization. Securitized loans can often be pledged as collateral, thus facilitating new lending. And the lending technology is evolving from one-to-one meetings between a loan officer and a borrower, at a bank branch, towards potentially disruptive technologies such as peer-to-peer lending, crowd funding or digital wallet services. This book studies the interaction between traditional and modern banking and the economic benefits and costs of this new financial ecosystem, by relying on recent empirical research in banking and finance and exploring the effects of increased financial sophistication on a particular dimension of the loan contract.
Creating Ai Synergy Through Business Technology Transformation
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Author : Sundaramurthy, Balaji
language : en
Publisher: IGI Global
Release Date : 2024-09-13
Creating Ai Synergy Through Business Technology Transformation written by Sundaramurthy, Balaji and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-09-13 with Computers categories.
Companies constantly strive to adopt the latest technological advancements in order to stay ahead in today's interconnected world. However, many organizations need guidance to fully leverage the potential of artificial intelligence (AI) and digital transformation. Without this direction, their ability to drive growth and efficiency is thwarted. Creating AI Synergy Through Business Technology Transformation offers a comprehensive guide to leveraging AI and digital transformation for strategic advantage. By combining insightful research, practical case studies, and innovative strategies, this book provides a roadmap for organizations to maximize the benefits of AI across their operations. From optimizing decision-making processes to enhancing customer experiences, the book demonstrates how AI can revolutionize business practices and drive sustainable growth.