
deseeya saambathika maattam

indiayile pankitta automated teller mesheenukalude (atm) ettavum valia shringalayaanu naashanal financial switch (enfs). raajyathe atmukale parasparam bandhippikkukayum soukaryapradamaaya banking sugamamakkukayum cheyyuka enna lakshyathode 2004 ll instittyoott phoor development aandu research inn banking teknolaji (idrbt) aanu ithu roopakalppana cheyyukayum vikasippikkukayum vinyasikkukayum cheythath. naashanal payment korppareshan oof india (enn. pii. sii. aii) aanu ithu nadathunnathu. januvari 31-leeii kanakkanusarichu, 111 direct, 1,045 sub amgangal, 43 rrbs, 4 dablyueleokal enniva ulppede 1,203 amgangal 2.55 lakshathiladhikam atmumaayi (kyash deposit mesheenukal/recyclerukal ulppede) bandhippichirikkunna enfs network upayogikkunnu.
pashchaathalam.
1987ll mumbaiyilaan echsbc indiayile aadyathe atm sthaapichathu. thudarnnulla patthu varshathinullil indiayil ekadesham 1500 atmukal sthaapichu. 1997ll indian baank association (aii. bii. eiii) indiayile pankitta atmukalude aadya shringalayaaya swaadhan sthaapichu. anchu varshathekku india switch kambani (aii. ezz. sii) aanu ithu kaikaaryam cheythath, koodaathe atminte udamasthathayilulla baankil akkoundu illengil phees eedaakki nettvarkkile eathu atmil ninnum panam pinvalikkaan card udamakale anuvadichu. 2002ll associationte 53 anga baankukalil 1000 atmukale eee shringhala bandhippichu. prathidinam 250,000 edapaadukal kaikaaryam cheyyaan netvarkkinu kazhiyumenkilum prathidinam ekadesham 100,000 moolyamulla 5000 edapaadukal maathramaan nadannathu. ithinu vipareethamaayi, icic baankinte ekadesham 640 atmukalude shringhala oro divasavum ekadesham aidi1 moolyamulla edapaadukal kaikaaryam cheythu. aii. ezz. siyumaayulla karar kaalaharanappettathinusesham, pravarthanakshamamallaatha saambathika shringhala kaikaaryam cheiyunnathinulla oru lelakkaarane kandethunnathil aii. bii. eiii paraajayappedukayum 2003 desember 31 nuu athu adachupoottukayum cheythu.
swaadhan thakarnnathin sesham baank oof india, union baank oof india, indian baank, yunaittad baank oof india, syndicate baank enniva kyash trea enna peril oru atm-sharing network roopeekarichu. sittibank, industrial development baank oof india, staanderd charted baank, axis baank enniva cashnet enna samanamaaya shringhala roopeekarichu. panchab naashanal bankum canara bankum atharam shringalakal srishtichu.
2003 augustil, raajyathe atmukale orotta shringalayil bandhippikkunnathinaayi deseeya saambathika switch (enfs) srishtikkumennu idrbt prakhyaapichu.
baankukalkku avarude swantham svichukal enn. eph. esumaayi bandhippikkaan anuvadikkunnathinaayi oru plaattphom nirmmikkunnathin lokamembaadumulla yooronattumaayum oopas softweyarumaayum aii. dii. aarr. bii. tii sahakarichu. enn. eph. esil oru inter-aattam swichum iii-komezhs payment getweyum ulppedunnu.
charithram.
moonnu baankukal, korppareshan baank, baank oof baroda, icic baank ennivayude atmukale bandhippikkunna deseeya saambathika maattam 2004 august 27 nuu idrbt aarambhichu. indiayile ellah pradhana baankukaleyum konduvarunnathinaayi idrbt pravarthichu, 2009 disambarode 37 baankukalile 49,880 atmukale bandhippikkunna shringhala valarnnu, athuvazhi raajyathe pankitta atmukalude ettavum valia shringalayaayi uyarnnu.
gaveshanathilum vikasanathilum veendum shradha kendreekarikkunnathinaayi atm switchingil pravarthanaparamaaya punk nirthaan idrbt theerumaanichu, koodaathe bisinesses oru deseeya thalatthilulla payment sisttam oorganaiseshanilekku maattaan shramichu. naashanal payment korppareshan oof india (enn. pii. sii. aii) ettedukkaanulla saadhyathayekkurich aii. dii. aarr. bii. tiyumayi charchakal aarambhichu. 2009 septambar 24nuu chernna payment aandu settilment sisttangalude (bps) niyanthranathinum melnottathinumulla board yogathil rajyath vividha retail payment samvidaanangal pravarthippikkunnathinni enpisisiykku amgeekaaram nalkaan thathwathil amgeekaaram nalki. 2009 october 15 nuu instittyoott oof development aandu research inn banking teknolajiyil (idrbt) ninnu 'eju ees ware inn banking teknolaji' enna peril deseeya saambathika maattatthinte (enfs) pravartthanangal ettedukkaan reserve baank oof india enpisiykk anumathi nalki. einpisisi athinte udyogasthare hyderabad instittyoottilekk niyogikkukayum 2009 desember 14 nuu instittyoott deseeya saambathika maattam enpisisiykku kaimarukayum cheythu.
atmukalo allaatheyo 24x7 edapaadu banking sheshiyulla coor banking sevanangal nalkunna eathoru baankinum oru sponsor baank vazhi deseeya saambathika swichil cheraam. ithu shedule cheyyaatha nagara sahakarana baankukalkkum (yuu. sii. bii. ezz) praadeshika grameena baankukalkkum (aarr. aarr. bii. ezz) raajyathe 103,000 atmukalude deseeya shringalayilekku praveshanam nedaan anuvadikkunnu. 2011 august 14nuu munbu, aarr. tii. jii. amgathvamulla scheduled baankukalil mathramaayirunnu praveshanam. raajyathudaneelam atmukalude connectivity vardhippikkunnathinum indiayiludaneelam atmukal upayogikkaan upabhokthaakkale praaptharaakkunnathinumanu sponsorship padhathi aarambhichath.
praadhamika aasthaanam mumbaiyilaan.
anga baankukal.
2017 epril vareyulla kanakkukal prakaram, enn. eph. ezz. shringhala indiayile motham <aii. dii. 1> eiii. tii. emmukale bandhippikkunnu. avayil 99 nerittulla anga baankukalude eiii. tii. emmukal, 692 sub memper baankukalude 4,058 eiii. tii. emmukal, 56 aarr. aarr. bii anga baankukalude 1,034 eiii. tii. emmukal, 8 vaitt label eiii. tii. emm daathaakkalude 14,146 eiii. tii. emmukal enniva ulppedunnu.
enn. eph. esil vaagdaanam cheiyunna sevanangal.
raajyathe anga baankukalile ettavum valia aabhyanthara atm shringalayaaya enfs paramavadhi upabhokthaakkalkk inter baank atm sevanangal nalkunnathil munpanthiyilaanu. thudakkathil, thaazhepparayunna adisthaana edapaadukal enn. eph. ezz. shringalayil labhyamaayirunnu.
enn. eph. esile anga baankukalkku avarude upabhokthaakkalkk kooduthal prayojanam nalkaan praapthamaakkunnathin, pankedukkunna eathu baank atmukalilum eee sevanangal upayogikkaan upabhokthaakkale praaptharaakkunnathinaayi enn. pii. sii. aii moolyavardhitha sevanangalayi chuvade soochippicha pravartthanangal avatharippichu.
card tuu card fund transfer (atm/debitt card muthal atm/debitt card vare): eee sevanam upayogichu, pankedukkunna enfs anga baankinte card udamaykku pankedukkunna enfs anga baankinte mattoru card udamaykku panam ayaykkaan kazhiyum. edapaadinte samayat panam ayachayaal nalkenda gunabhokthaavinte 'card nambarinte' adisthaanathilaayirikkum panam kaimaruka. sevanathinte pradhana savisheshathakal chuvade paraamarsikkunnu
check book abhyarthana/stettment abhyarthana nilavil, stettment, check book abhyarthana oopshanukal atmukalil labhyamaanengilum, iva aaa prathyeka baankinte upabhokthaakkalkk maathrame labhyamaakoo. enn. pii. sii. aii. yill ninnu eee prathyeka sevanam labhikkuna enn. eph. ezz anga baank atmukalil upabhokthaakkalkk melpparanja sevanangal prayojanappedutthaan kazhiyunna eee oopshan parasparam pravarthanakshamamaakkaan enn. eph. ezz lakshyamidunnu.