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Indian Banking product: Digital Products

 

7. DIGITAL PRODUCTS (डिजिटल बैंकिंग उत्पाद)






Definition:

Jab bank apne customers ko online banking, mobile banking, debit/credit card, UPI, net banking jaise services deta hai, to ise Digital Products kehte hain.

Pramukh Digital Banking Products (मुख्य डिजिटल बैंकिंग उत्पाद)

  1. Internet Banking (नेट बैंकिंग) – Ghar baithe money transfer, bill payment, account check karne ki facility.

  2. Mobile Banking (मोबाइल बैंकिंग) – Bank ki app se mobile par hi transactions karna.

  3. UPI (Unified Payments Interface) – भीम UPI, Google Pay, PhonePe, Paytm

    • Instant money transfer mobile number ya QR code ke madhyam se.

  4. Debit Card (डेबिट कार्ड) – Bank account se directly paisa katega, ATM se paisa nikal sakenge.

  5. Credit Card (क्रेडिट कार्ड) – Udhaar par shopping aur baad me EMI ya bill payment.

  6. IMPS (Immediate Payment Service) – 24x7 instant money transfer jo seconds me hota hai.

  7. NEFT (National Electronic Funds Transfer) – 1-2 ghante me dusre bank me paisa bhejne ki facility.

  8. RTGS (Real Time Gross Settlement) – ₹2 lakh se upar ke transactions turant settle hote hain.

  9. AePS (Aadhaar Enabled Payment System) – Aadhaar number se fingerprint laga kar banking kar sakte hain.

  10. E-Wallets (डिजिटल पर्स) – Paytm, PhonePe, Google Pay jaise wallets me paisa rakhna aur payment karna.

Digital Banking ka Mahatva (Importance)





✔ Banking fast aur easy hoti hai – Koi bhi kaam ghar baithe ho sakta hai.
✔ Cashless Economy badhti hai – Sab kuch online hone se corruption aur black money kam hota hai.
✔ 24x7 Banking – Koi bhi transaction kabhi bhi kiya ja sakta hai.
✔ Security aur Safety – Har transaction OTP aur biometric authentication se secure hota hai.

Example: Real-Life Digital Banking Case





Rahul ne ek UPI QR code scan karke grocery shop me ₹500 ka payment kiya. Usko cash carry karne ki zaroorat nahi padi aur turant transaction ho gaya.

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