Table of Contents
IIBF Digital Banking Certificate Course
The IIBF Digital Banking Certificate Course is designed to help banking professionals understand the latest concepts, technologies, and practices in digital banking. The course covers important topics such as digital payment systems, internet and mobile banking, cybersecurity, fintech, and emerging banking technologies. It is useful for candidates preparing for the IIBF Digital Banking certification examination. Understanding the exam pattern and syllabus can help aspirants plan their preparation effectively and score better in the examination.
Examination Objective
- The course on ‘Digital Banking’ is intended to provide practicing bankers a sound foundation in the digital banking products such as Cards, ATMs, Mobile and Internet Banking and PoS.
- This will make them familiar with relevant aspects such that they could help in rendering improved customer service and also will help them in properly guiding the customers as and when needed.
IIBF Digital Banking Exam Eligibility
- Members and Non-Members of the Institute.
- Candidates must have passed the 12th standard examination in any discipline or its equivalent.
Examination Fees*
| Particulars | For Members | For Non-Members |
| First attempt | Rs.1,100/- | Rs.1,600/- |
| Subsequent each attempt | Rs.1,100/- | Rs.1,600/- |
Note: Candidates are required to Register for every attempt separately. While registering online for the examination candidates will have to choose examination date / time slot of his/her choice, the exam date/time will be allotted on first-cum-first-serve basis.
Candidates are required to take utmost care and precaution in selecting Exam Date and Time slot, as there is no provision to change the Exam date and Time slot in the system. Hence no request for change of Exam date and time slot will be entertained for any reason.
IIBF Digital Banking Examination Pattern
| No. of Questions | Marks | Negative Marks | Passing Criteria | Time Duration |
| 120 (Objective) | 100 | Zero | 50% | 120 Min |
Medium Of Examination
- Examination will be conducted in English only
Registration
1) Application for examination should be registered online from the Institute’s
2) website http://www.iibf.org.in. The schedule of examination and dates for registration will be published on IIBF website.
3) At the time of registration, the candidate will select date/time of the examination.
4) At the time of registration, the candidate can register for e-learning/e-book, if required, by paying the requisite additional fees.
5) The study material can be in the form of e-book and/or e-learning.
6) Based on the option selected (e-book/e-learning) the candidate will be provided login ID password to access the study material.
7) On successful registration admit letter will be generated. Candidates can download it.
IIBF Digital Banking Examination Syllabus
MODULE A: DIGITAL BANKING PRODUCTS
Digital Delivery Channels
- Introduction to Digital Banking
- Need for Digital Channels
- Customer Preferences for Digital Banking
- Customer Digital Interface for Digital Banking Products
- Technology – The foundation for user-friendliness and customer interaction
- Security is the cornerstone of Digital Banking
- Information Security (IS)
- Integrated Ombudsman Scheme, 2021 by RBI
- Customer Protection – Limiting Liability of Customers in Unauthorised Electronic
Banking Transactions
- RBI Master Direction on Digital Payment Security Controls
- Challenges in Digital Banking
- e-KYC
CARDS
- Overview and Brief History
- Plastic Payment Cards
- Product Features of Cards
- Benefits of Cards to Customers
- Payment Card Industry-Data Security Standard
- Magnetic Strip Cards and EMV Cards
- NFC-based Tap & Go
- Approval Process for Card Schemes
- Profitability of the Card Business
- Backend Operations
- Recovery and Follow-up
- Information Security Issues
Automated Teller Machines (ATMs)
- Overview and Brief History
- Product Features
- White Label and Brown Label ATMs
- ATM Networks
- Instant Money Transfer (IMT) Systems
- Profitability of ATMs
- Cash Deposit Machine (CDM)
- Risk Management and Frauds
- Backend Operations and Technology
- Dispute Management System (DMS)
Mobile Banking
- Overview and Brief History
- Product Features and Diversity
- IMPS
- Benefits of Mobile Banking
- Risk Management and Frauds
- Backend operations and Technology
- Information Security Tips
- Conclusion
Internet Or Online Banking
- Overview and Brief History
- How Internet Banking Works
- Product Features
- Profitability of Internet Banking
- Risk Management and Frauds
POS Terminals
- Overview and Brief History
- Features of POS
- Types of POS terminals
- Key Benefits of POS Systems to Merchants
- Key Benefits of POS Systems to Customers
- Types of transactions at POS terminals
- Cash withdrawal at Point of Sale (PoS)
- On-boarding Merchant on POS
- Approval process for POS terminals
- Parties to a POS Set-up
- Profitability of POS Business
- Risk Management and Frauds
- Backend Operations and Technology
MODULE B: DIGITAL BANKING & FINANCIAL INCLUSION (FI)
Digital Banking & Financial Inclusion (FI)
- Introduction to Financial Inclusion
- Strategy for Financial Inclusion
- Approaches to accelerate Financial Inclusion
- Technologies for Financial Inclusion
- Digital Banking Services in FI-Status
- Factors beyond Technology – Awareness, FI-infra
- Information Security Issues in FI
- New Developments
- How Banks earn money using Digital Delivery Channels
MODULE C: MARKETING OF DIGITAL BANKING PRODUCTS
Marketing Of Digital Banking Products
- Concept of Marketing Digital Banking Products
- Channels for Marketing Digital Banking
- Product Planning
- Structure for Marketing Digital Banking Products in Banks
- Sales delivery to customers
- e-Galleries
- After-sales service to customers
- Marketing for Financial Inclusion
- Dangers of Mis-selling
- Use of Analytics in Marketing of Digital Banking Products
- Customer Education and Protection
MODULE D: PAYMENT SYSTEMS
Developments In Payment Systems In India And Digital Banking
- Overview of Global Payment Systems
- Overview of Domestic Payment Systems
- New Domestic Payment Vehicles and Platforms
- Cheque Truncation System (CTS)
- National Financial Switch (NFS)
- Real Time Gross Settlement (RTGS) System
- National Electronic Funds Transfer (NEFT)
- National Electronic Toll Collection (NETC)
- Bharat QR
- UPI QR
- Bharat Bill Payment System (BBPS)
- Society for Worldwide Interbank Financial Telecommunications (SWIFT)
- Forex Settlements
- Securities Settlements
- Innovative Banking and Payment Systems
- Payments, Digital Banking, Information Security
- Banking Super Apps
MODULE E: FUTURE TRENDS IN DIGITAL BANKING
Future Trends In Digital Banking
- Background
- Fintechs
- Business Ecosystem
- Blockchain
- Cryptocurrencies
- Peer Financing
- Cloud Computing
- Virtualization
- Data Analytics
- Artificial Intelligence (AI) Machine Learning (ML) and Deep Learning (DL)
- Robotic Process Automation (RPA)
- Internet of Things (IoT)
- Central Bank Digital Currency (CBDC)
- Digital Transformation of Banks in India
IIBF Digital Banking Certificate – Video Course & Mock Tests COMBO
| Course Name | Course Link |
| IIBF International Trade Finance – Video Course, Mock Test Combo | Click Here |
| IIBF MSME Certificate – Video Course & Mock Tests COMBO | Click Here |
| IIBF KYC/AML Certificate – Video Course & Mock Tests COMBO | Click Here |
| IIBF Digital Banking Certificate – Video Course & Mock Tests COMBO | Click Here |
| Foreign Exchange Facilities for Individuals (FEFI) Online Mock Tests – IIBF Certificate | Click Here |
| IIBF Certification – CYBER CRIMES AND FRAUD MANAGEMENT Online Mock Tests | Click Here |
