M.B.A. DEGREE EXAMINATION, APRIL 2016
Fourth Semester
E-BANKING
(2012 onwards)
Time 3 Hours Maximum 75 Marks
Part A 3 15)
Answer all questions.
All questions carry equal marks.
1. What is microfiche?
2. Distinguish between on-line and off-line UPS?
3. What is electronic purse?
4. What is digital signature?
5. What is Information System Audit?
Part B 10 50)
Answer all questions, choosing either or
All questions carry equal marks.
6. What are the major issues relating to the use of
internet in the realm of banking and financial
services?
Or
Explain the features of signature storage and
retrieval system.
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632405
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7. What are the advantages of core banking?
Or
Discuss the need for computerization in banks.
8. What is digital cheque and its features? What are
the steps involved in electronic cheque system and
its benefits?
Or
What is ATM PIN and how is it used?
9. Discuss the applications of VSATs based INFINET.
Or
Write notes on SWIFT.
10. Explain the different risks associated with
e-banking?
Or
What should be the goals of disaster recovery
management in e-banking?
Part C 10 10)
(Compulsory)
11. Read the following case and answer the questions
Kutak Mahindra Bank and Poonam Gulati reported to
Cyber Police that an amount worth Rs. 17 lacs has been
illegally transferred to account in the name of
Gourav Shukla from account of Poonam Gulati through
internet banking and susequently withdrawn from
various ATMs. The matter came to light when
Mrs. Poonam Gulati read her bank account statement in
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the month of July that amount worth Rs. 17 lac had been
transferred through internet banking to some new
account which she didn't know. She enquired at the bank
and asked when she didn't opt for internet banking then
how it can be activated and transfers could he made.
On preliminary enquiry Cyber police found that it was an
act of cheating forgery and fraud against the bank and
not the customers as the customer never asked for the
activation of Internet banking. Hence a FIR was lodged
in the name of Kotak Mahindra Bank.
As per complaint, a fake account was opened in the name
Gourav Shukla. For the purpose of cheating, the suspect
approached the bank and submitted forged document to
add mobile in the account of Poonam Gulati. The bank
official matched only PAN number, but didn't match the
photocopies with the original. After getting registered the
mobile number in the account of Poonam Gulati, the
suspect requested to add Internet banking in the account
of Poonam Gulati. After getting Internet banking
activated, the suspect made request 'forgot password'
through Internet banking. He could obtain the same
partially on internet window and partially on registered
mobile. The suspect after getting the internet banking
password, transferred Rs. 17 lacs, one lac each per day
from the account of Poonam Gulati to account of
Gourav Shukla. He withdrew money at the rate of
One lac per day from the various ATMs of State Bank of
India wearing helmet.
Cyber police found that suspect entered Cyber cafe with
fake Name and address. Cyber police aided several places
and arrested Rahul Sharma. Reetesh Choukse,
Shyam Yadav and Pramod Jaiswal.
Discuss the control failures of this case.