Indian Institute of Banking & Finance: Certificate Course in Digital Banking

INDIAN INSTITUTE OF BANKING & FINANCE
(AN ISO 9001 - 2008 CERTIFIED ORGANISATION)

Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Korol Road, Kurla West, Mumbai 400 070.
Web-site : www.iibf.org.in
CERTIFICATE COURSE IN DIGITAL BANKING

Rules & Syllabus: 2016
EXAMINATION OBJECTIVE:
The course on Digital Banking is intended to provide practicing bankers a sound
foundation in the digital banking products such as Cards, ATMs, Mobile and Internet
Banking and PoS. This will make them familiar with relevant aspects such that they
could help in rendering improved customer service and also will help them in properly
guiding the customers as and when needed.
ELIGIBILITY: Open to employees of Banks/NBFCs/Financial Institutions, etc.
SUBJECT OF EXAMINATION: Digital Banking
PASSING CRITERIA: Minimum marks for pass in the subject is 50 out of 100
EXAMINATION FEES :
Particulars
For Members
For Non-Members
First Attempt
`1,000
`1,500
Subsequent each attempt
`1,000
`1,500
* Plus Service Tax as applicable (Reg. No. AAATT3309DSD002)

MEDIUM OF EXAMINATION :
Examination will be conducted in English only.
PATTERN OF EXAMINATION:
(i) Question Paper will contain 120 objective type multiple choice questions for 100
marks.
(ii) The examination will be held in Online Mode only
(iii) There will NOT be negative marking for wrong answers.
DURATION OF EXAMINATION:
The duration of the examination will be of 2 hours.
PERIODICITY AND EXAMINATION CENTRES:
a) Examination will be conducted on pre-announced dates published on IIBF Web
Site. Institute conducts examination on half yearly basis, however periodicity of
the examination may be changed depending upon the requirement of banking
industry.
1
b) List of Examination centers will be available on the website. (Institute will conduct
examination in those centers where there are 20 or more candidates.)
PROCEDURE FOR APPLYING FOR EXAMINATION
Application for examination should be registered online from the Institutes website
www.iibf.org.in. The schedule of examination and dates for registration will be
published on IIBF website.
PROOF OF IDENTITY:
Non-members applying for Institutes examinations/courses are required to attach/
submit a copy of any one of the following documents containing Name, Photo and
Signature at the time of registration of Examination Application. Application without
the same shall be liable to be rejected.
1) Photo I/Card issued by Employer or 2) PAN Card or 3) Driving Licencse or
4) Election Voters I/Card or 5) Passport 6) Aadhaar Card
STUDY MATERIAL/COURSEWARE
The Institute has developed a courseware to cover the syllabus. Candidates are
advised to make full use of the courseware. However, as banking and finance fields
are dynamic, rules and regulations witness rapid changes. Therefore, the courseware
should not be considered as the only source of information while preparing for
the examinations. Candidates are advised to go through the updates put on the
IIBF website from time to time and go through Master Circulars/ Master Directions
issued by RBI and publications of IIBF like IIBF Vision, Bank Quest, etc. All these
sources are important from the examination point of view. Candidates are also to
visit the websites of organizations like RBI, SEBI, BIS, IRDAI, FEDAI etc. besides
going through other books & publications covering the subject/exam concerned etc.
Questions based on current developments relating to the subject/exam may also be
asked.
Cut-off Date of Guidelines /Important Developments for Examinations
The Institute has a practice of asking questions in each exam about the recent
developments / guidelines issued by the regulator(s) in order to test if the candidates
keep themselves abreast of the current developments. However, there could be
changes in the developments / guidelines from the date the question papers are
prepared and the dates of the actual examinations.
In order to address these issues effectively, it has been decided that:
(i) In respect of the exams to be conducted by the Institute during May / June of a
calendar year, instructions / guidelines issued by the regulator(s) and important
developments in banking and finance up to 31st December of the previous year
will only be considered for the purpose of inclusion in the question papers".
(ii) In respect of the exams to be conducted by the Institute during November /
December of a calendar year, instructions / guidelines issued by the regulator(s)
and important developments in banking and finance up to 30th June of that year
will only be considered for the purpose of inclusion in the question papers.
2
The table given below further clarifies the situation.

Particulars
Cut-off Date of Guidelines /Important

Developments for Examinations
For the exams to be conducted by the 31st December 2015 and 31st December
Institute during May / June 2016 and 2016 respectively.
May / June 2017
For the exams to be conducted by the 30th June 2016 and 30th June 2017
Institute during November / December respectively.
2016 and November / December 2017
The courseware for the subject/s will be available at outlets of publisher/s. Please
visit IIBF web-site www.iibf.org.in Home> Education > Courseware for details of
book/s and address of publisher/s outlets.
SYLLABUS :
The details of the prescribed syllabus which is indicative are given below. The
Institute however, also reserves to itself the right to vary the syllabus / rules / fee
structure from time to time. Any alterations made will be notified.
MODULE - A
DIGITAL BANKING PRODUCTS
Introduction
Need for Digital Banking Products
Customer Education for Digital Banking Products
CARDS
Overview and brief history
Various types of cards
Product features
EMV technology
New Technologies Tap and Go, NFC, etc
Approval Processes for Cards
Profitability of Cards
Back End operations
Recovery and Follow up
ATMs
Overview and Brief History
Product Features
Instant Money Transfer Systems
Various Value-Added Services (eg., bill payments, donations, etc)
Proprietary, Brown Label and White Label ATMs
ATM Network Planning Onsite / Offsite
Security and Surveillance of ATM Sites
Profitability of ATMs
Risk Management and Frauds
Back End Operations and Technology
3
CASH DEPOSIT MACHINES

Product Features
CDM Network Planning Onsite / Offsite
Profitability of CDMs
CASH RE-CYCLERS
Overview
Product Features
MOBILE BANKING
Product Features and Diversity
IMPS
Profitability of Mobile Banking
INTERNET BANKING
Product Features
Corporate and Individual Internet Banking
Integration with e-Commerce Merchant sites
Profitability of Internet Banking
POS TERMINALS
Product Features
Approval processes for POS Terminals
Profitability of POS business
MODULE - B
BRANCHLESS BANKING
Objectives
Introduction
4
Financial Inclusion Logic and logistics

Vehicles for Financial Inclusion
Business Correspondents / Business facilitators
Digital Banking Products for Financial Inclusion
MODULE - C
MARKETING OF DIGITAL BANKING PRODUCTS
Objectives
Introduction
Product Planning
Structure for Marketing Digital Banking Products
Sales delivery to customers
Concept of e-Galleries
After sales service to customers
Marketing for Financial Inclusion
Dangers of Mis-selling
Use of analytics in marketing Digital Banking Products
MODULE - D
PAYMENT SYSTEMS
Overview of global payment systems
Overview of domestic payment systems
RuPay and RuPay Secure
Immediate Payment Service (IMPS)
National Unified USSD Platform (NUUP)
National Automated Clearing House (NACH)
Aadhaar Enabled Payment System (AEPS)
e-KYC
Cheque truncation System (CTS)
National Financial Switch (NFS)
RTGS
NEFT
Forex settlements
Securities Settlement
Innovative Banking & Payment Systems
CONTACT DETAILS:
Email all your queries to [email protected] or
register your queries through website www.iibf.org.in > Members/Candidates
Support Services.
Member Support Service Office:
Indian Institute of Banking & Finance
191-F, Maker Towers, 19th Floor,
Cuffe Parade, Mumbai - 400 005
Tel. : 022-2218 3302 / 2218 5134
For training related queries contact:
Leadership Centre
Indian Institute of Banking & Finance
Kohinoor City, Commercial-II, Tower-I, 3rd Floor,
Kirol Road, Off L.B.S.Marg, Kurla West, Mumbai 400 070.
Tel : 022 25039746 / 9604 / 9907
Email :
PROFESSIONAL DEVELOPMENT CENTRES:
South Zone
North Zone
East Zone
Indian Institute of Banking &

Finance
No. 94, Jawaharlal Nehru Road,
(100 Feet Road), Opp. Hotel
Ambica Empire, Vadapalani,
Chennai 600 026.
Tel:044 24722990 / 24727961
Indian Institute of Banking

& Finance
102-113, Vikrant Towers,
1st Floor,
4 Rajendra Place, New
Delhi 110 008.
Tel: 011 25752191/92
Indian Institute of Banking

& Finance Hindusthan
Building (Annexe),
7th Floor, 4, C.R. Avenue,
Kolkatta 700 072.
Tel: 033 22124992
Corporate Office : Indian Institute of Banking & Finance,

Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West),
Mumbai - 400 070 Tel : 022-2503 9746 / 9604 / 9907

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INDIAN INSTITUTE OF BANKING & FINANCE

(AN ISO 9001 - 2008 CERTIFIED ORGANISATION)

CERTIFICATE COURSE IN DIGITAL BANKING

Subsequent each attempt

* Plus Service Tax as applicable (Reg. No. AAATT3309DSD002)

The table given below further clarifies the situation.

Cut-off Date of Guidelines /Important

CASH DEPOSIT MACHINES

Financial Inclusion Logic and logistics

Indian Institute of Banking &

Indian Institute of Banking

Indian Institute of Banking

Corporate Office : Indian Institute of Banking & Finance,

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