online banking in bangladesh assignment

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Assignment Fundamentals of Banking Topic: Bangladesh Bank Submitted To

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… , Vol. 28, No. 1, March 2002

Md Shahiduzzaman

Non-bank financial institutions (NBFIs) represent one of the most important parts of a financial system. In Bangladesh, NBFIs are new in the financial system as compared to banking financial institutions (BFIs). Starting from the IPDC in 1981, a total of 25 NBFIs are now working in ...

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Our Online Banking service allows you to bank from anywhere, anytime with total security and confidentiality. And it’s absolutely free!

• Instant Fund transfer from Standard Chartered account to Standard Chartered account (Daily transfer limit: BDT 10 lacs)
• Fund transfer from Standard Chartered account to other bank account (through BEFTN or NPSB channel) (Daily transfer limit: BDT 10 lacs)
• Online Bill Payment for Standard Chartered Credit Card, Mobile Phones (Grameenphone, Robi, Banglalink, Airtel, Teletalk), Internet Service Provider (Carnival), Insurance Premium (Metlife, Green-Delta, Reliance) and Cable TV Service Provider (Akash DTH)
• Placing instruction for a regular transfer of fund from your account at your preferred frequency
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• Download Statement of your Standard Chartered account

For enrolment and further information please dial 16233 from any mobile or +8802 8332272 from any land line.

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Register for a new Online Banking account in a few easy steps.

All you need is the following:

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One of the following:

• ATM/Debit Card details.
• Credit Card details.

This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/bd and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

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Problems and Prospects of Electronic Banking in Bangladesh: A Case Study on Dutch-Bangla Bank Limited

• January 2017
• 2(2 1):42-53

• Sichuan University

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Fundamentals of Banking (Spring 2024)

Topic outline.

Welcome to Banking World

Course Name: Fundamentals Of Banking Course Code: Bnk-201

https://elearn.daffodilvarsity.edu.bd/pluginfile.php/2343860/mod_label/intro/6264173416668972- video .webm

WELCOME NOTE

• Google Meet Link will be provided in the announcement section before class
• Plz see the relevant video of the lessons before you come for live class
• participating in  Brainstorming session  is a must, & this will be assessed weekly
• For Peer counseling, create pair & get me the list, in every week, there will be a peer meet for counseling,  & the best counselor will get bonus marks every week. also his picture will be shown in BLC for that week.
• Quiz & assignments must be submitted on time
• Attending class regulary will be always appreciable, if you can't manage for a valid reason, see the recorded video of that class, comment in  brainstorming session  & if it is satisfactory, your  attendance  will be ensured
• For any problem, I am available in your messenger group

Course at a glance

Course Description: 

The role of the banking system can be compared to the circulatory system within the human body. Just like blood vessels carry the essential nutrients to all parts of the human body, the banking system is expected to supply the "money capital" to all the individuals and the institutions. It directly affects the life of every person and every organization. Nowadays bank jobs are considered to be one of the most lucrative jobs in the financial sector. Many business graduates dream to build up their career in the banking sector. Whether you want to be a banker or start up your own business, you must have to deal with the banks. That’s why this course is an essential one.

Course Objective:

The course is designed to make the students understand the overview of the banking system In Bangladesh, global practice,their activities, rules & regulations & make them learned enough to grab the opportunities in banking market.

Outcome :   After Completion, the students will be able to explore about

Banking structure and financial system of Bangladesh,

Relationship between banker, 

Customer-Customers account with bank, 

Negotiable instrument ,

Loans and advance ,

Income statement , & balance sheet making

Secured advance,

 Performance evaluation through ratio analysis

Liquid asset ,

Letter of credit ,

Electronic banking etc

Course Materials and Readings:

1.  Banking Law and Practice : P. N. Varshney (Latest Edition)

Reference Books:

1.Banking Law and  Practice,  S. N. Maheshwari

2.Banking Law and Practice, Syed Ashraf Ali & R. A. Howlader

Assessment Plan

https://docs.google.com/document/d/15qd1hfr7jC150yaNNB3Ls5IZp9uQecc4rwayvPb22v8/edit

Know Your Instructor

Message: LIFE IS A GIFT

Rozina akter, assistant professor, department of business administration.

Daffodil International University

  DIU Web :  https://faculty.daffodilvarsity.edu.bd/profile/bba/rozina.html

Google Scholar:  https://scholar.google.com/citations?user=iw83BNcAAAAJ&hl=en

Mobile:    01674827038 Email:    [email protected]

For online counseling hour.

Click Here : https://calendar.google.com/calendar/r?tab=mc

Hear from renowned Bankers

Trade Finance & Letter Of Credit : Tapash Saha from HSBC Bank is addressing . ... . https://drive.google.com/file/d/0B39fmC5XqUjhV3c5ejVsdWZzNjQ/view

Central Banking :  Dipti Rani Hazra, Deputy General Manager of Bangladesh Bank addressing

Class Recording Zone

Weekly engagement.

Peer counseling Zone

Better Understanding of lesson through discussion with peer groups

Absentees can get idea about previous lesson

Ownership will be created as students will make other peer understand the topic

Comparatively weaker students will be benefited 

And reward for best counselor is a bonus of course

Students' Online Support Zone

Class feedback, lecture 1-2.

Overview of Banking Industry in Bangladesh :

Lecture Objective:

 To know about Financial System, Banking Industry, Central Bank, Commercial Banks, Islami Banking, Banking  Company Act, Money Laundering Act.

Lecture Outcome:

Students will be able to know Financial System, Banking Industry, Central Bank, Commercial Banks, Islami Banking, Banking  Company Act, Money Laundering Act.

Lecture content:

Financial system, overview of banking industry in Bangladesh ...

Lecture 3-4

Relationship Between Banker & Customer

Lecture objective:

• To let the the students know about relationship between banker & customer obligations of bank, garnishee order
• learn about basic banking functions
• learn about the relationship between banker and customer
• and learn about obligations of banker, garnishee order
• Definition of Bank, banking, customer
• Relationship between banker and customer
• Obligations of banker
• Dis closer permitted by banking law

Question Pattern:

• Creative short question

Short Case Analysis

Lecture 5-6

Customers' account with the Banker:

To know about the  Types of bank accounts with their features, Opening of account, Closing of accounts

lecture outcome:

At the end of the session students will be able to:

• Learn about various features of different types of deposit account
• learn about how to open and close a bank account
• learn about NOSTRO, VOSTRO and LORO account

Lecture contents:

·  Features of different types of deposit account

·  procure of how to open and close a bank account

·  NOSTRO, VOSTRO and LORO account

Lecture 7-8

Negotiable Instruments:

To know  Negotiable instrument meaning, feature and implications, parties to Negotiable Instruments, Holder and holder in due course

Lecture outcome:

• Learn about various types of negotiable instrument
• learn about major features of these instruments
• learn to differentiate between theses instruments
• learn about holder & holder in due course
• Definition and features of  negotiable instrument
• Features of different types of negotiable instrument
• Difference between various types of negotiable instrument
• difference between holder & holder in due course

Lecture 9-10

Loans & Advances:

Lecture objective: To know about Principles of sound lending, creditworthiness of borrowers, factors limiting the level of a bank’s advance , types of loan.

• Learn about various types of Loan accounts along with its features
• learn about the basic principles bank need to follow to ensure sound lending
• learn about the creditworthiness of borrower
• learn factors limiting the level of a bank’s  advance
• Features of different types of loan account
• Principles of sound lending .
• creditworthiness of borrower
• factors limiting the level of a bank’s  advance

Mid Term Examination

Short Question

• Case Analysis
• first assignment
• chapter-3: relationship between banker & customer
• chapter-4: customers account with the banker
• chapter-15: loans & advances
• chapter-6: negotiable instruments
• math: income statement

Lecture 11-12

Crossing of Cheques:

To know about crossing,Types of crossing, Liability of paying banker on crossed cheque, Not negotiable crossing, Double  crossing & Account payee crossing.

Lecture Outcome : At the end of the session, students will be able to

learn about what is  crossing

Learn about the types of crossing

learn about Double crossing, account payee crossing etc

Lecture Contents:

crossing,Types of crossing, Liability of paying banker on crossed cheque, Not negotiable crossing, Double  crossing & Account payee crossing.

Lecture 13-14

Performance evaluation of Banks:

 To evaluate the performance  through Balance Sheet and Income Statement preparation,ratio analysis of banks

• Balance Sheet and Income Statement preparation.
• Ratio Analysis

Balance Sheet and Income Statement preparation,ratio analysis

Lecture 15-16

Secured Advances: Modes Of creating Charge:

To know about  Modes of charging the securities- Lien, Pledge , Hypothecation, Mortgages, Forms of mortgage

• Lean about various types of creation of charge
• learn about characteristics of mortgage and types of mortgage
•  Features of different types of secured advance.
• definition and characteristics of mortgage
• Types of mortgage

Lecture 17-18

The Liquid asset :

To know about Definition of Liquidity, Significance of liquidity in Banking, Cash balance, Statutory cash reserve  with Bangladesh Bank , Balance with other banks, money at call etc

• Learn about the importance of liquidity
• Learn about different types of liquid asset
• learn about SLR, CRR

·  liquid asset and importance of liquidity

·  Different types of liquid asset

·   SLR, CRR

Lecture 19-20

Letter of Credit :

L ecture objective:

To know about the process and parties of L/C, and make them familiar with different types of L/C.

• Learn about the process of opening L/C,
• Learn about different parties of L/C.
• learn about different types of L/C.

·  Definition and  process of opening L/C,

·   Different parties of L/C.

·  Different types of L/C.

Lecture 21-22

Contemporary Issues of Banking:

Lecture Objective: 

To know about E-banking,Telephone banking, Internet banking,

ATM, Credit Card, Debit Card, E payment System,advantages & disadvantages of E-Banking

• E-banking,Telephone banking, Internet banking,  ATM, Credit Card, Debit Card,
•  E payment System,
• advantages & disadvantages of E-Banking
• Lecture Content:
• E-banking,Telephone banking, Internet banking,

Final Examination

Participation in forum

Feedback: How was the journey?

https://forms.gle/ReFimmfwX9j4VRMj9

Presentation Slides

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The Top 10 Online Payment Gateways in Bangladesh

E-Commerce stores are increasing with the passage of time. So, reliable online payment gateways are now the demand of time. It is a time-saving, faster, and effortless way to get paid.

In this article, we are about to introduce you to the top 10 online payment gateways in Bangladesh . Hope you read the entire content for knowing them in detail.

Here's a list of the Top 10 Online Payment Gateways in BD:

01. SSLCOMMERZ

SSLCOMMERZ is the most popular and leading online payment gateway in Bangladesh. Bangladesh Bank awarded it for its outstanding performance and reliability.

Privacy Policy: ✔ It only collects information what the users provide. ✔ DSS PCI complaint system

Requirements: ✔ VAT/TIN

02. ShurjoPay

ShurjoPay is another popular online gateway in Bangladesh. Bangladesh Bank has awarded its PSO license. Undoubtedly, this is a universal one that can be the payment solution for both business merchants and consumers. People like it for its strong privacy policy and low rates.

Privacy Policy: ✔ Proper verification and validation ✔ No fear of 3rd party integration ✔ Highly secured

Requirements: ✔ VAT or Tax Identification Number ✔ National ID

03. Aamarpay

Aamarpay is a faster and secure online payment gateway in Bangladesh. It gives many privileges to its merchant users. People like it so much due to the lowest fees.

In addition to this, you will get the advantage of fast checkout that is the most wanted thing while online payment.

Privacy Policy: ✔ 3 layers of security ✔ Instant payment notification ✔ Highest integrality so that your account remains safe

Requirements: ✔ Tax Identification number ✔ Passport/National ID

04. PortWallet

PortWallet is an advanced and very smooth online payment gateway in Bangladesh. It’s one of the leading platforms for online payment. This platform is mostly popular for its connective solution and API system.

Privacy Policy: ✔ Instant notification ✔ 3d security system ✔ Highly secured complaint system (PCI DSS)

Requirements: ✔ TIN/VAT

05. 2Checkout

2Checkout is one of the most popular international payment gateways that you can use in Bangladesh. This is undoubtedly a nice platform to make global payments. At present world is becoming closer to us. To take a payment from a foreign country is so easy.

Privacy Policy: ✔ Customer information shared with partners ✔ Swiss-US and EU-US privacy shield

Requirements: ✔ Trade license ✔ Tax/VAT Identification Number

06. FastSpring

FastSpring is a smooth online payment gateway in Bangladesh that will surely give you a nice experience. You can never ignore the amazing features provided by FastSpring. Interestingly, it allows SaaS and software for increasing its revenue.

Privacy Policy: ✔ Encrypted personal data ✔ Privacy Shield framework for the safe transfer of personal information

Requirements: ✔ Driving license/GST/VAT/Tax exemption number

07. Easy Pay Way

Easy Pay Way is an awesome online payment gateway in Bangladesh. Do you wanna get a time-saving, secure, and hassle-free payment? Then you can take payment through this platform. Undoubtedly, it’s a safe payment gateway in the present market.

Privacy Policy: ✔ Information collected only for their use ✔ Our information may be provided to 3rd party but do not worry! They will surely assure general safety for you.

Requirements: ✔ Trade license ✔ Tax identification number

08. Authorize.net

Authorize.net is an amazing and one of the leading online payment gateways in Bangladesh. This platform is well known for its privacy and data protection. Besides, it will give you a very smooth and pleasurable experience for online payment. You cannot but love to join them.

Privacy Policy: ✔ PCI DSS compliance ✔ Standard data security ✔ Personal data protection

Requirements: ✔ Order and payment information ✔ Contact information ✔ Consumer name etc.

Paddle is another popular online gateway in Bangladesh. This is an amazing platform that offers NDR enhancement. Paddle is generally chosen for its low-cost advantage.

You need to pay the signup charge because it offers to open the account without any cost. In addition to this, there is no monthly or yearly charge to pay.

Privacy Policy: ✔ Integrity, safety, and confidentiality of personal information ✔ General safety measures

Requirements: ✔ Trade license ✔ VAT/Sales Tax codes

10. Payoneer

Payoneer is a wonderful and very cheap online payment gateway. Their service is available in 200+ countries around the world. This is platform is mainly popular among freelancers in Bangladesh.

The reason behind its popularity is that Payoneer is one of the cheapest and most reliable platforms for getting payment online.

Privacy Policy: ✔ Passwords are encrypted. So, none can get access to it. ✔ All of the personal data of its users are encrypted. This is why there is no chance to find your data stolen. ✔ Secured firewalls

Requirements: ✔ Passport/National ID card number

Final Verdict

The number of internet users is increasing very fast. Many people like to get their payments online. E-Commerce businesses are taking positions in Bangladesh.

So, the necessity of online gateway systems is so much important. Nowadays we can get payments crossing the country’s borders through online payment gateways.

This article deals with the top 10 online payment gateways that are available in Bangladesh. Hope you enjoy reading this.

Besides, it will help you find out the best-suited payment gateway for you.

Note: The setup fee, annual fee and commission per transaction for this listed payment gateway company may be lower or higher. The fee is continuously changing with the passage of time. So, please check with your prospective company to get correct information.

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Online Banking System of Dhaka Bank Ltd

The main focus of this report is to analysis Online Banking System of Dhaka Bank Limited. Other objectives of this reports are to find out the present scenario of online banking practice in Bangladesh, to find out the strength and weakness of online banking services, to find out how it’s performed through the internet and to find out what are the benefit of online banking. Finally this report make swot analysis Online Banking System of Dhaka Bank Limited.

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By Matt Burgess

A Spy Agency Leaked People's Data Online—Then the Data Was Stolen

The list of data is long. Names, professions, blood groups, parents’ names, phone numbers, the length of calls, vehicle registrations, passport details, fingerprint photos. But this isn’t a typical database leak, the kind that happens all the time —these categories of information are all linked to a database held by an intelligence agency.

For months, the National Telecommunication Monitoring Center (NTMC), an intelligence body in Bangladesh that’s involved in collecting people’s cell phone and internet activity, has published people’s personal information through an unsecured database linked to its systems. And this past week, anonymous hackers attacked the exposed database, wiping details from the system and claiming to have stolen the trove of information.

WIRED has verified a sample of real-world names, phone numbers, email addresses, locations, and exam results included in the data. However, the exact nature and purpose of the amassed information is unclear, with some entries appearing to be test information, incorrect, or partial records. The NTMC and other officials in Bangladesh have not responded to requests for comment.

The disclosure, which appears to have been unintentional, provides a tiny glimpse into the highly secretive world of signals intelligence and how communications may be intercepted. “I wouldn't be expecting this to happen for any intelligence service, even if it's not really something that sensitive,” says Viktor Markopoulos, a security researcher for CloudDefense.AI who discovered the unsecured database. “Even if many data are test data, they still reveal the structure that they're using, or what exactly it is that they are intercepting or plan to intercept.”

After Markopoulos discovered the exposed database, he linked it back to the NTMC and login pages for a Bangladeshi national intelligence platform. Markopoulos believes the database was likely exposed due to a misconfiguration. Within the database, there are more than 120 indexes of data, with different logs stored in each. The indexes include names such as “sat-phone,” “sms,” “birth registration,” “pids_prisoners_list_search,” “driving_licence_temp,” and “Twitter.” Some of those files contain a handful of entries each, while others contain tens of thousands.

The vast majority of the data exposed in the NTMC database is metadata —the extremely powerful “who, what, how, and when” of everyone’s communications. Phone call audio isn’t exposed, but metadata shows which numbers may have called others and how long each call lasted. This kind of metadata can be used broadly to show patterns in people’s behavior and whom they interact with.

By Mark Harris

By Christopher Solomon

By David Gilbert

By Steven Levy

For instance, the “birth registration” log includes fields such as name (in English and Bengali), birthday, sex, birthplace, and mother’s and father’s names and nationalities, according to a sample of the data reviewed by WIRED. Another log, called “finance personal details,” also includes people’s names as well as cell phone numbers and bank account details, and lists an “amount” for the account type. National ID numbers are frequently included in the data structures, as are cell phone numbers and the names of mobile operators in Bangladesh. There are lists of base transceiver stations, which are parts of cell phone networks, and the records mention “cdr,” which may refer to call detail records.

Some of the data leaked appears to be test information, as well as data that is incomplete or incorrect. Some entries include generic strings of numbers such as “123456789,” while other entries are repeated multiple times throughout the database. Real-world data is also included within the leaked information.

One person contacted by WIRED confirmed that the email, mobile number, and a billing address listed belonged to them. The person says they are a subscriber of telecom firm BTCL, which is government-run and has some of their personal information, although it’s unclear whether this is the source of the data that was leaked. Markopoulos found exam results listed in the data, including some that were taken in the late 1990s, that matched those listed on the Ministry of Education’s website. Text messages sent to multiple numbers in the database were delivered, although one person replied saying they were not the person listed in the dataset. Another phone number is publicly listed as belonging to a Bangladeshi business. An encoded passport photo correlates with the alleged owner’s public information (although they could not be reached for comment).

From a review of a sample of the exposed information, it is unclear why the data has been collected, where it has all been collected from, or what it is being used for. There is no indication that it relates to any wrongdoing.

Jeremiah Fowler, a security consultant and cofounder of data breach discovery firm Security Discovery, reviewed the exposed database and confirmed its links to the NTMC. Fowler, who regularly finds exposed servers and databases online, says the data being linked to the intelligence body is “probably one of the first that I have seen like this.”

“The biggest thing I saw that was really dangerous was a bunch of IMEI numbers,” he says, referring to the identifying code given to each individual cell phone. “With those, you can actually track the device or clone the device.”

The NTMC has not acknowledged or responded to WIRED’s questions about the leaked information, including those about its purpose and the amount that has been gathered. The press office of the government of Bangladesh and the Bangladesh High Commission in London also did not respond to requests for comment. Markopoulos reported the exposed information to Bangladesh’s Computer Incident Response Team (CIRT) on November 8, and it acknowledged his message and thanked him for disclosing the “sensitive exposure.” In an email to WIRED, the CIRT said it had “notified the issue” to the NTMC.

The database appeared to be offline ahead of the publication of this article. However, Markopoulos says that on November 12, the database was wiped and in its place appeared a ransom note by an unknown attacker or group of attackers. The note demanded payment of 0.01 bitcoin (around $360 at current exchange rates), or the “data will be publicly disclosed and deleted.” Both Markopoulos and Fowler say this is common for exposed databases of this kind. Meanwhile, new entries have started appearing in the wiped database, Markopoulos says, and they include a “search log” index that may indicate the system is still in use.

The NTMC, which emerged from a previous monitoring body in 2013, describes itself as an organization that provides “lawful communication interception facilities” to other agencies in Bangladesh, which has a population of 167 million. It is responsible for setting up and developing an “interception platform,” and ensuring that it operates 24/7, according to its website . Recent reporting has claimed that 30 agencies are linked to the NTMC using APIs, and that it incorporates records from mobile operators, passport and immigration services, and other bodies. In January, the NTMC reportedly purchased surveillance technology from companies headed by Israelis , and government ministers have discussed the NTMC intercepting social media data .

A telecoms expert who has worked in Bangladesh, who requested anonymity over fears of government retaliation against their family, alleges that as a “lawful intercept center,” the NTMC can collect huge volumes of data. “They are not only collecting call data records from mobile companies, but also, they are collecting logs and detailed records, session history, from internet providers,” they claim. “It's really powerful, and the kind of surveillance that they do is more powerful than European countries,” they add, citing Bangladesh’s lack of legislative parallels to Europe’s strict data protection laws.

In recent weeks, protests against the current government have rocked Bangladesh as a crackdown has happened against those in opposition, ahead of the country’s next round of elections in 2024. One Bangladesh-based researcher who asked not to be named, fearing repercussions, says they “expect to see more surveillance and targeting of individuals” ahead of the elections next year.

“I think the number one priority has to be to make individuals, especially activists … aware of the surveillance system and understand how to be safe online,” the researcher says when asked about digital rights. “When, in the country, people are fighting for their basic rights—such as securing their daily livelihood and fighting for their political rights—digital rights come much later.”

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