After Demonetization Digital banking has developed in India. At that time, people faced a lot of problems for not having cash, then digital banking showed its importance and accommodated by people. Most of them started digital banking and every smartphone user learned it and promoted it to others also. During Covid-19, digital banking has played and plays an important role in the prevention of getting infected by this virus. Actually, during coveD-19 the use of digital banking has increased. After entering the covid-19 virus in India, the Reserve Bank of India said that everybody should use digital banking services to protect his/her self. This is why UPI use is getting increased.
Let’s discuss what is digital banking and how can you make you secure a career in digital banking.
What is digital banking?
In simple words, a Digital bank is related to our traditional banks in terms of services offered but the only one difference is it allows users to do transactions from anywhere remotely. Every transaction and work happens digitally. The whole process from opening an account to doing all transactions on an online mode is called digital banking. Internet banking, mobile banking, UPI, ATM, etc are forms of digital banking. Digital banking available 24/7 for you.
What is the responsibility of a digital banker?
A digital banker registers as much as a new customer by asking them to submit applications. Basically, digital banker helps banking institutions in finding customers. At the same time, a digital banker helps old bank customers by telling them the benefits of digital banking and tell them to use mobile banking. A digital banker also participates in product campaigns so that the available service or product can be easily available to the bank’s customers. Mobile banking products and services are mostly sold out by digital bankers only.
As per the issued guideline KYC job is also done by digital bankers.
What courses are available in the market to become a digital banker?
For becoming a digital banker you need to 10+2 pass out from the commerce stream. And, can enroll in three years “Advance Diploma in Banking and Finance” or can do one year course “Global PG Diploma in Banking and Finance” and make a secure career in digital banking. During these courses, the student learns E-KYC, digital payments, collaborate office, virtual meetings, A.P.I banking, crypto, currency, cyber frauds, A.I. in finance, etc. As digital banking is related to technology so knowledge of basic technology is essential. Other than this, communication skills, interpersonal skills, sales process knowledge, numeric and analytic skills, and attracting customer skills are also essential.
What are the institutions, who provide courses for digital banking?
*Here are some popular institutions, who provide courses for this field:
Indira Gandhi Open University, New Delhi (www.ignou.ac.nic)
T.K.W.S. Institute of banking and finance, New Delhi (www.tkwsibf.edu.in)
Manipal University, Karnataka (www.manipal.edu)
Symbiosis International University, Mumbai (www.si.ed.in)
As per the survey, more than 70% of people has adapted digital payments and started doing in their day to day task. As India is in fastest-growing smartphone user hub. So, there is no doubt there would be a huge demand for digital bankers.
What are the job opportunities in these fields?
most people using online payment gateways and banking services, that is why State Bank of India, Punjab National bank of India, ICICI Bank, HDFC, Axis bank, commercial banks, and also Paytm, Google pay, Phonepay are a good amount of money from digital banking which provides online banking, UPI, mobile banking, digital courses, etc.
After completion of the course, the candidate may get a job in these companies.
What is the salary of a Digital banker?
When you are fresher in this field you can get paid from 25,000 rupees to 30,000 rupees. As you become an experienced digital banker then your salary package reaches higher and you get promoted to the upper post.
Conclusion:
If you are a commerce 12th pass out and belong to a middle-class family or you have interest in doing the job in the banking sector then you should look at this profession as it has great opportunities in the present world also it will be same in future.
If you have any doubt then please comment below, I will reply.
