Ecommerce Banking Products in Pakistan V 1 5 Full

Comparative Analysis
of the
E-COMMERCE PRODUCTS
in the
BANKING SECTOR OF PAKISTAN
Prepared by:
AAMIR ANWARALI
Intern – Ecommerce Department
July 14, 2008

Document Information
Category Information
Document E-Commerce Products in Banking Sector of Pakistan
Version 1.5
Author(s) Aamir AnwarAli
Approver(s) Taaha Khan, Sadya Siddiqui
Date Completed 12 July, 2008
Originating Unit Ecommerce
Description of Version Comparative Analysis of E-Commerce Products in Banking Sector of Pakistan

Modification History
Author Date Version Description

Aamir Anwar Ali June 12, 2008 1.0 Description of E-Commerce Products
Aamir Anwar Ali June 16, 2008 1.1 Classification of Ecommerce products’ features into standard category
Aamir Anwar Ali June 18, 2008 1.2 Comparative Analysis of the ecommerce products
Aamir Anwar Ali July 1, 2007 1.3 Additional reports and one pager view of comparison is added
Aamir Anwar Ali July 10, 2008 1.4 Doubtful features were audited and revised
Aamir Anwar Ali July 12, 2008 1.5 Data regarding web traffic is added.

TABLE OF CONTENT
What is E-Commerce? _________________________________________________________ 6
E-Commerce in Banking Perspective ______________________________________________ 7
Purpose of the Study ___________________________________________________________ 8
Scope for the Study ____________________________________________________________ 9
Description of Ecommerce Products of Banks
First Women Bank Limited _____________________________________________________ 11
National Bank of Pakistan _____________________________________________________ 12
Bank of Khyber ______________________________________________________________ 17
The Bank of Punjab___________________________________________________________ 18
Allied Bank of Pakistan________________________________________________________ 19
Arif Habib Rupali Bank Ltd. ____________________________________________________ 24
Askari Bank Limited __________________________________________________________ 26
Atlas Bank __________________________________________________________________ 28
Bank Alfalah ________________________________________________________________ 29
Bank Alhabib________________________________________________________________ 30
Bankislami Pakistan Limited ___________________________________________________ 37
Crescent Commercial Bank ____________________________________________________ 39
Dubai Islamic Bank __________________________________________________________ 40
Emirates Global Islamic Bank Ltd _______________________________________________ 43
Faysal Bank Limited __________________________________________________________ 44
First Dawood Islamic Bank Ltd. _________________________________________________ 47
Habib Bank Limited __________________________________________________________ 48
Habib Metropolitan Bank ______________________________________________________ 50
JS Bank ____________________________________________________________________ 53
MCB ______________________________________________________________________ 54
Meezan Bank ________________________________________________________________ 58
My Bank Ltd ________________________________________________________________ 60

NIB Bank ___________________________________________________________________ 62

Saudi Pak Commercial Bank Ltd. ________________________________________________ 64
Soneri Bank Ltd. _____________________________________________________________ 66
Standard Chartered Bank Limited _______________________________________________ 68
United Bank Limited __________________________________________________________ 71
Citibank Pakistan ____________________________________________________________ 75
ABN Amro __________________________________________________________________ 78
Al-Baraka Islami Bank ________________________________________________________ 79
HSBC Bank Middle East Limited ________________________________________________ 80
KASB Bank _________________________________________________________________ 81
Appendices
Feature Wise Count Of Banks __________________________________________________ 83
Feature Wise Count Of Banks (Foreign Remittances) ________________________________ 84
Feature Wise Count Of Banks – Internet Banking ___________________________________ 85
Feature Wise Count Of Banks – Mobile Banking ____________________________________ 86
Banks With No Ecommerce Products _____________________________________________ 87
Web Traffic For Websites Of Various Banks _______________________________________ 88
Bankwise List Of Features _______________________________________ 92
Feature-Wise List Of Banks _______________________________________ 97
Summarized Single Page Feature-Bank View ___________________________ 103

WHAT IS E-COMMERCE?
One of the inherent problems with the technology related terminologies is that these terms
coin up quite earlier than the development of their definition. Besides, the world of
information technology is so dynamic that one definition given at one point of time appears
to be inappropriate at another point of time.
Same is the case with E-Commerce. With the rapid growth in the trend of e-commerce, across
different industries, each defined it in their own way. However, a very basic definition might
be to perform the business using telecommunication and/or computer networks. In addition
to this, the narrow concept of ecommerce restricts it only to those commercial activities that
involve some transaction (exchange of values) and thus they define it as buying and selling
over internet. On the other hand, a broader definition of this term includes a greater range of
activities under its domain.
For the purpose of this paper, the definition of ecommerce has been defined as follows:
An activity carried over internet or telecommunication network which is a part of some

revenue generating business model and involves selling (not necessarily selling for cash, but
having some direct or indirect monetary motive) one of the following:
• Product (Tangible or Digital)

• Services
• Information

E-COMMERCE IN BANKING PERSPECTIVE
In the banking perspective, the more commonly used terms are that of e-banking or m-
banking. In terms of their purpose, these terms are the off-shoots of e-commerce itself, applied
for the product or service or information selling (refer to the definition of operation
definition of ecommerce in previous section to understand what does selling mean in this
paper) related to banking.
Thus, one way or other, if a bank shows the balance in the account of customer on his request
through SMS (short messaging service), even it is information selling. As this service of
providing information was the part of agreement between the customer and the bank when he
opened the account or subscribed for the service.
In this perspective, the e-commerce products in banking can be divided into three broad
dimensions, in terms of the nature of product/service/information. These three types are:
• Internet Banking
• Mobile Banking
• Foreign Remittances
However, this is not the only possible way to categorize. There may be other ways too. These
classifications are based on the existing services offered by the Pakistani Banks.

PURPOSE OF THE STUDY
This study is aimed to:
• Identify various ecommerce products provided by the banks in Pakistan
• Explore the features provided with each service
• Develop a description of the services offered by each of the bank in such a way that it
serves as the comprehensive collection of most of the e-commerce products available in
the banking sector of Pakistan, so that comparative analysis can be carried out.

SCOPE FOR THE STUDY
• As defined earlier, the range of ecommerce products in the banking sectors is

identified, explored and presented in the light of the operation definition of
ecommerce presented above.
• This report will be covering the banks listed in the “Statistics on the Scheduled Banks
in Pakistan” (June 2007), Appendix II. (Excluding specialized banks)

LIMITATIONS OF THE STUDY
• The two media for collecting the information were the websites of respective banks
and telephone calls. Those banks which did not had enough information on their
website, were called on June 16, 2008 between 5 and 6 PM.
• At the same time, those banks were also contacted which did not mention at all in
their websites about e-banking.
• The authenticity of the information provided in this report is subject to the

authenticity of the information at their websites and provided by their phone banking
officers/call centre agents.

FIRST WOMEN BANK LIMITED
Currently, there is no ecommerce product offered by First Women Bank Limited.

NATIONAL BANK OF PAKISTAN
E-COMMERCE PRODUCTS:
1. NBP PakRemit
a. Overview
Pakremit is an internet based Home Remittance Service. This service is available to

U.S. residents for sending money to their family and friends in Pakistan. One must have a
valid US Dollar account with a U.S. bank or a US Dollar credit or debit card in order to
remit funds through this channel.
Remitters in USA can log on to NBP’s user friendly website, www.pakremit.com and
easily remit funds to Pakistan from the comfort of their homes, in a matter of minutes.
The service is fully secure with advance encryption application and is available for use 24
hours a day, 7 days a week. Fees and exchange rate have been set at competitive levels and
the remitters have the ability to track delivery of funds as well.
b. Process
1. Remitters log on to www.pakremit.com and after completing the registration process,

are able to remit funds. The whole process takes a few minutes.

2. Log in to your account.

3. Funds in Pak Rupees can be sent to beneficiaries, having an account with any bank in
Pakistan, including NBP. While funds are credited directly to beneficiaries maintaining
accounts with NBP, a pay order or demand draft is couriered to other banks for their
customers. Pay order or demand draft can also be couriered directly to the
beneficiary’s office or home, if requested by the remitter.
For NBP Beneficiaries
Transferred
Immediately
For Non-NBP Beneficiaries:
Pay Order
Through
Courier
Delivery at home Delivery at the bank of beneficiary
4. Funds in US Dollars can be sent only to a Beneficiary maintaining a US Dollar

account with one of NBP’s Foreign Exchange Branches. Click here for details of NBP
Foreign Exchange Branches.

Advantages of PakRemit:
Online service.
No paperwork required.
No need to visit any bank.
Send home remittances to Pakistan from a US bank account or Visa/MasterCard.
Types of home remittances:
Send Pak Rupees to beneficiary's bank account at any bank in Pakistan

Send a Pak Rupee Pay Order/Demand Draft directly to beneficiary's residence or work
place.
Send US Dollars to beneficiary's bank account at any NBP foreign exchange branch in
Pakistan
Fees
If to be paid in PKR:
Transaction Between USD 0 and USD 7500
Transaction Fee Flat fee of USD 9.00 plus 2.89% of transaction amount.
If to be paid in USD

NATIONAL BANK OF PAKISTAN

Serial No. E-Commerce Products and Features Available
1 Foreign Remittances
2 Internet Banking
2.1 Account Management
2.1.1 Balance View
2.1.2 Manage Accounts Details
2.1.3 Mini statement on net
2.1.4 Opening a new Account using Internet Banking
2.2 Alerts
2.3 Bill Payment
2.3.1 Making Demand Drafts/ Pay Orders
2.3.2 Paying Credit Card Bill
2.3.3 Payment of Utility Bill over internet
2.4 Cheque Management
2.4.1 Cheques in Transit status
2.5 Complain Management
2.5.1 Lodging the Complaint
2.5.2 Tracking the Complaint
2.6 Corporate Banking
2.7 Credit Card Management
2.7.1 Block the credit and /or debit card
2.8 Fund Transfer
2.8.1 Add a payee
2.8.2 Bulk Fund Transfer
2.8.3 Foreign currency Transfer
2.8.4 Fund Transfer between the multiple accounts of same customer
2.8.5 Fund Transfer Through Internet within same bank
2.9 Loan Management
2.9.1 Viewing Dues
2.9.2 Viewing next Due Date
2.10 Requests
2.10.1 Cheque Book Request on internet
2.10.2 Statememnt Request on internet
2.11 Standing Orders
2.12 Value added info
3 Mobile Banking
3.1.1 Blocking an account
3.1.2 Check balance through mobile
3.1.3 Check limits through mobile
3.1.4 Mini Statement on Mobile
3.2 Alerts
3.3 Bill Payment
3.3.1 Purchase of Prepaid Cards through Mobile
3.3.2 pay Bill through Mobile
3.3.3 View Bill through Mobile
3.4 Fund Transfer
3.5 Online shopping
3.5.1 Purchase of Cakes through Mobile
3.5.2 Purchase of Flowers through Mobile
3.6 Requests
3.6.1 Cheque Book Request on mobile
3.6.2 Statememnt Request on mobile
No. of Categories into which the bank offers e-commerce products 1

BANK OF KHYBER
Currently, there is no ecommerce product offered by Bank of Khyber.

THE BANK OF PUNJAB
E-Banking:
Details not available on website.

ALLIED BANK OF PAKISTAN
ECOMMERCE PRODUCTS:
1. Allied Direct:
Allied Direct is the internet banking service provided by the Allied Bank of
Pakistan to its customers.
a. How to Start:
• Register yourself on Allied Direct website using the online registration
process. A confirmation will be sent to your given email addresses on
registration and after approval of your request for using this service.
• Once your request is approved, an ACTIVATION KEY will be sent to

your email address. Use this Activation Key to activate your account.
• Activate your account by visiting your nearest Allied Bank ATM. After
entering your ATM PIN Select "Internet Banking" under "Other
Services". You will need to key in 8 digits Activation Key received
through email. On successful activation you will get a message on ATM
screen as well as on paper receipt.
• Once your Internet Banking is activated, visit our website. After

entering the User ID, Activation Key and other information, you will
be required to specify the password to log in to Allied Direct. After the
verification of the information, you will be able to enjoy a host of
benefits including Funds Transfer and Online Bill Payments with few
simple clicks.
b. Registration:

• To signup for Allied Direct Internet Banking, you need to have a active
and valid ATM card. Follow the “SIGN UP HERE” link on the main
page to register your self. Registration processes in broken into 3 simple
steps
• On step 1, you need to enter your ATM Card # and your user id which
you wish to used for your login. All Allied Direct userids are unique so
the system will check for the availability of your userid when you click
on the “CHECK AVAILABILITY” button.
• The second step is to accept the terms and conditions of the service.
Please note that this is an electronic leagal form. Please read carefully
before accepting the terms of service.
• In this step, you need to enter your personal details. Please note that
most of the fields in this form are mandatory.
• Your email address is important to us and Bank will be communicating
with you from time to time regarding the service upgrades and notices.
Please make sure that you enter your valid email address

c. Features:
Account Summary
My Accounts section lets you view summary of your Allied
Bank accounts. You can mange accounts, view statement,
or request for cheque book. You will be able to view all of
your linked accounts from the main page. This page will
give summary of your accounts including last obtained
balance.
Mini Statement
Mini statement is the last 8 transaction of your account.

To view, click on the account title. You can also save
the statements by clicking on the Save as XL icon in
Microsoft Excel format.
Fund Transfer
This page will let you transfer funds online to your other accounts or to any
Allied Bank account holder with-in the country.
Select Account you wish to pay from and from the Payee List select the
account you want to pay to. If the account is not listed, you can enter his/her
information by selecting the new “NEW PAYEE” and entering Branch code,
and Account number. Enter Beneficiary email if you want intimation of the
fund transfer to be sent to him. On the transaction detail section, enter the
amount you wish to transfer along with financial PIN.
“Particular” is optional. You can enter comments and details about the
transaction. Click on the “TRANSFER” button to proceed
All of the payees that were not in the list will be added to the payee list once
you transfer the amount to their account.
MISCELLANEOUS FUNCTIONS
Lost ATM Card Reporting
In an event when you loose your ATM card, you can report the incident from
this page. By clicking on the “REPORT” button, your card will be blocked
along with all ATM facilities. Once the ATM card is blocked, you have to
contact your branch for re-issuance of the card.

Cheque Book Request
book can be requested online. Select your account and click on the “SUBMIT
REQUEST” button. Your request will be sent to your branch and you will be
notified when to collect it.
Generate Financial PIN
Every time you do a transaction using Allied Direct such as Fund Transfer or
Bill Payment, you will be prompted to enter your Financial PIN. If you do not
remember your PIN, click on the “GENERARTE FINANCIAL PIN” link to
generate a new PIN for your account. This PIN will be emailed to your email
address registered with Allied Direct Service.

ALLIED BANK OF PAKISTAN
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.4 Cheque Management 0
2.5 Complain Management 0
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

Arif Habib Rupali Bank Ltd.
E-Banking:
e-banking is one of the fastest and most convenient ways to access your AHB Accounts, you
can View your Balance, Transfer Funds to your other account at AHB.
Using your unique Username and Password, you can perform many banking transactions,
whenever and wherever you want, from any PC with Internet access. It's safe, convenient and
FREE.
With AHB e-banking you can perform the following functions:
• View Balances and Transactions in your accounts

• Request Cheque Book
• View Cheques Deposited/Returned
• Download Statements of your account
• Transfer funds between your AHBL accounts
• Activate/Suspend ATM card
• Change ATM withdrawal Limit
• Send SMS messages
• Apply for AHB e-alert service
• Provide feedback on Customer Services survey

ARIF HABIB RUPALI BANK
Serial
E-Commerce Products and Features Available
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.8.4 Fund Transfer between the multiple accounts of same
customer
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
No. of Categories into which the bank offers e‐
4
commerce products

ASKARI BANK LIMITED
Internet Banking:
• Account Management
• Bill Payment
• Fund Transfer to own accounts
Mobile Banking:
• Not Available

ASKARI BANK
Serial No. E-Commerce Products and Features Availability

2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

ATLAS BANK

Currently, there is no ecommerce product offered by Atlas Bank.

BANK ALFALAH
Currently, there is no ecommerce product offered by Bank Alfalah.

BANK ALHABIB
ECOMMERCE PRODUCTS:
1. Net Banking:
a. Overview:
It is an internet banking facility available to the customers of Bank AlHabib
b. Features:

• Balance inquiry
• Account statement

• Cheques in clearing
• Funds transfer
• Change password

• Cheque book request
• Address change request

• Remittance request
• Usage history

BANK ALHABIB
Serial No. E-Commerce Products and Features AVAILABILITY

2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

BANKISLAMI PAKISTAN LIMITED
Internet Banking:
• Fund Transfer to own linked account

BANK ISLAMI LIMITED
Serial
E-Commerce Products and Features Availability
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
No. of Categories into which the bank offers e-commerce
2
products

CRESCENT COMMERCIAL BANK
Currently, no ecommerce product is offered by Crescent Commercial Bank.

DUBAI ISLAMIC BANK
ECOMMERCE PRODUCTS:
1. Al Islami Online Banking
Account Related
• View your balance summary. Know where things stand with a glance at the figures!
• View your Account Statements. You can view them online, download them or email
to your account.
• View status of Processed and Pending Cheques.
• Open new accounts.
• Open Fixed Deposit Accounts.
• Order new ATM/Visa Debit Card.
• Block your Visa Debit Card.
Fund Transfers and Payments
• Transfer funds between your accounts with DIBPL.

• Transfer funds to another DIBPL customer.
• Foreign Currency Transfer.
Demand Drafts and Cheques
• Have Pay Orders and Demand Drafts made.

• Order Cheque Books.

• Block Cheques that you have issued.
Request opening of new Accounts.
• Request for new Visa Debit Card.

• Apply for Fixed Deposit Accounts.
• Issue standing instructions.
• View Consumer Finance payment history and next installment due date.
Customer Services
• Change PIN
• Lodge Complaints and View the status of your complaint.
• Set personal daily and monthly online transaction limits.
• View Internet Banking Session summary and Internet Banking Account Activity.
• Personalized home page and internal pages.
Payee List
• Add a new payee.

• List all funds transferred or received from a particular payee.

DUBAI ISLAMIC BANK
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
customer
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
9
products

EMIRATES GLOBAL ISLAMIC BANK LTD

Currently, there are no ecommerce products offered by Emirates Global Islamic Bank Limited.

FAYSAL BANK LIMITED
ECOMMERCE PRODUCTS:
1. Faysal Connect:
FAYSAL CONNECT FEATURES & BENEFITS
ACCOUNT INFORMATION
• Internet Transaction History
• Account Summary
• Account Statement
• Account Mini Statement
• Account Statement by Period
TRANSFER AND PAYMENTS

• Fund Transfer
• Issuance of Payment Order
• Issuance of Demand Draft
• Traveler’s Cheques
• International Transfer
• Bill Payments
• Salary Payments
• Standing Order for Payments
• Bulk Payments
• Authorization of Payment Transactions
• Maintain Payment Templates

• Maintain Beneficiary Account

• Maintain Billing Details
ALERTS
• Payment Alerts
• Funds Low
• Term Deposit Maturity
• Trade Finance Alerts
CUSTOMER SERVICE
• View Rights
• Apply for Deposit Account
• Request Chequebook
• Request Stop Cheques
• Lost Remittance Enquiry
• Report Lost Payment Order
• Report Lost Demand Drafts
• Report Lost Traveler’s Cheques
• Maintain Shortcuts
• Change Password
• View Corporate Profile
LOAN ACCOUNT
• Account Summary
• Repayment Schedule & Summary
• Outstanding Details
• Disbursement Details
• Facility Details
• Loan Calculator
TRADE ACCOUNT
• Trade Finance Summary
• LC Details
• SG Details
• Bill Details
• Charges Summary
• Apply for New LC
• Request to Amend Active LC

FAYSAL BANK
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
Fund Transfer between the multiple accounts of same
2.8.4
customer
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
8
products

FIRST DAWOOD ISLAMIC BANK LTD
EConnect:
Information is not available on website. On phone, they declined the availability of this
service and told that it would be launched in July.
SMS Banking:
Information is not available on website. On phone, they declined the availability of this
service and told that it would be launched in July.

HABIB BANK LIMITED
Internet Banking:
• Making Pay Orders
• Fund transfer
Mobile Banking:
SMS alerts are available only for credit card customers.

HABIB BANK LIMITED
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
3
products

HABIB METROPOLITAN BANK
ECOMMERCE PRODUCTS:
1. HMB GSM Mobile Banking
Services Offered:

2. HMB WEBINFO
Services Offered:
• Uptodate Account Balance
• Cheques in Clearing
• Account statement
• Indicative Foreign Exchange Rates.
3. HMB ESALARY:
• Through this service Salary disbursement to the employees of our valued corporate
customers is done electronically.
• The Opening and maintenance of all salary accounts are managed form a central location.
• There are no charges on minimum balance in salary accounts.
• The individual Salary accounts are also eligibile to apply for HMB Personal & Auto
Loans.
• All banking services that include Electronic fund transfer (EFT) , Demand Draft (DD) ,
Telegrapic Transfer (TT) are available to e-Salary account holders.
• The Minimum monthly salary disbursement per corporate customer is Rs. 1 Million.
• Charges per salary Rs. 50/- or minimum of Rs. 5,000/-.
• Free ATM / Debit Cards will be issued to all e-salary customers at the time of opening
accounts.
• Free Web/Teleinfo services to facilitate balance inquiry and other services 24/7.

Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
customer
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
5
products

JS BANK
Currently, there are no ecommerce products offered by JS Bank.

MCB
ECOMMERCE PRODUCT:
1. Virtual Banking:
a. Overview:
Virtual Banking is the internet banking service provided by MCB to its customers.
b. Services Offered:
• Detailed Account Summary of all listed accounts.
• Mini-statements of each of the listed accounts showing recent transaction history

for that account(s).
• Statement-by-Period of each of the listed accounts, based on the period specified.

• Immediate or Scheduled Transfer of Funds between your own accounts, as well

as to third-party accounts setup as beneficiaries, maintaining accounts with
MCB.
• Scheduling of ‘One-Time’ as well as ‘Recurring’ Funds Transfers.

• Payment of utility bills for registered Utility Companies.
• Immediate or Scheduled Bills Payment. Scheduling of ‘One-Time’ as well as

‘Recurring’ bill payments. Option for ‘Full’ or ‘Partial’ payment based on the
payment conditions specified by a particular Utility Company.
• Bulk Salary Transfer for Corporate Customers, to facilitate them in paying salary
to the corporate employees, who maintain accounts with MCB.
• Cheque Book Request for any of your listed accounts.

• Payment/Transfer Alerts for reminding, in advance, prior to the processing of

specified payments and transfers.
• Personal Alerts for reminding of pre-specified events and occasions
2. Mobile Banking
Services Offered:
• Balance Inquiry
• Mini Statement
• PIN Selection
• PIN Change
• Blocking an Account
• Un-Blocking an Account

MCB
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

MEEZAN BANK
ECOMMERCE PRODUCT:
1. Internet Banking:
Features Offered:
• Balance inquiry of multiple accounts

• View account statement
• Real time cheque status and stop payment request
• Cheque book and payorder request
• Lodging and tracking status of complaints
• Change of mailing address and contact details
• Account activity alerts

MEEZAN BANK
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

MY BANK LTD
ECOMMEREC PRODUCTS:
1. My ebank:
• Account management
2. Mobile Banking
Information not available on website. According to phone banking agent, the service is
not available.

MY BANK LIMITED
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
1
products

NIB BANK
Currently, there are no ecommerce products offered by NIB.
Only SMS alerts are available. It is expected that these services will be launch by 2009,
according to Phone Banking agent.

NIB BANK
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.4 Cheque Management
2.5 Complain Management
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

SAUDI PAK COMMERCIAL BANK LTD.
ECOMMERCE PRODUCTS:
1. Transact Internet Banking:
With Saud Pak Transact you can enjoy these amazingly convenient internet Banking
facilities:
• View up-to-date balance information
• Mini Statement retrieval for last eight transactions made.
• Perform fund transfers between accounts
• Generate financial pin for secure fund transfer
• Order check books and account statements.
• Request for Payorders & Demand Drafts
• Receive SMS Alerts
• Change your password online
2. Mobile Banking:
Features Available:
• Balance Inquiry.
• Mini Statement.
• Cheque Book Request.
• Account Statement Request

SAUDI PAK COMMERCIAL BANK
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

SONERI BANK LTD.
ECOMMERCE PRODUCTS:
Only account management facilities are available.

SONERI BANK LIMITED
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests
1
products

STANDARD CHARTERED BANK LIMITED
ECOMMERCE PRODUCTS:
Services Offered:
Account Services
Under this section you can, view your account information, download the account
statement, request for a cheque book, request for an account statement by mail,
ascertain the status of your issued cheques and check on the remittances received.
Fund transfers
Here you can make an account to account transfer. You can also set-up standing orders
to make the process simpler and save time.
Payments
Make your Credit Card payment from your Standard Chartered Bank account.
Card services
With iBanking you can view your complete Credit Card details. You can view the
Credit Card statement, determine the minimum amount due, request for a credit limit
increase and even make an online card payment.
Personal update
In this section, iBanking offers you the facility to manage your personal information,
your password, address and all other personal information related to the service.
2. Mobile Banking:
Features Available:
• Alerts

• Inquiries

STANDARD CHARTERED PAKISTAN
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

UNITED BANK LIMITED
ECOMMERCE PRODUCTS:
1. Net Banking:
Features Available:
My Accounts
• Manage Multiple Accounts
• 24/7 Account Access
• Real-Time Account Balance & Summary
• Download Statement
• Access your Credit Card and Cashline Account
Pay Anyone
• Fund Transfer with Portfolio
• Door Step Check Delivery
• Third Party Fund Transfer
Prepaid and Bills

• Prepaid Vouchers
• Utility Bills
• Mobile Bills
• UBL Bills
• UBL Funds Investment
• Online Shopping

Alerts
• Balance Alert
• Statement Alert
• Transaction Alert
• Cheque Tracking Alert
• Low/High Balance Alert
Standing Orders
Blocking Debit Cards
2. Orion:
Overview:
Orion revolutionizes the way you spend money.
For too long your mobile phone has been a simple mode of communication, UBL is
about to change that.
UBL introduces yet another first-of-its-kind service in Pakistan; Orion is the “First
Complete Mobile Payments Solution” ever to be launched in the country. This means
that you can now buy, pay and share real money using the SMS facility on your
mobile phone.
That’s right; it is now amazingly easy for you to buy your prepaid talk time minutes,
view your utility bills and even pay them off through your mobile phone. With
simply an SMS, you can now send and receive actual money from friends and family.
With Orion you don’t need a special SIM, GPRS connection not even a bank account!
Services:
• Buy prepaid cards
• Share & send money

• Send Flowers & Cakes

• View your current bill
• Pay your bills
• Load money from your UBL account (for UBL Account holders)
• Unload money to your UBL account (for UBL Account holders)
• Load money from a branch (for non-UBL account holders)
• Unload money to a branch (for non-UBL account holders)
• Check balance and limits
3. E-Transaction Accounts:
E-Transaction account is the comprehensive package including orion and netbanking,

besides the features of regular account.
4. NRP Click n Remit:
It is an online remittance solution for US resident Pakistani to send money to

Pakistan.
(For payment in PKR and Method of Payment Internet Check)
5. NRP Click n Bank
It is an account that foreigners can open to streamline their remittances.

UNITED BANK LIMITED
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.5.1 Lodging the Complaint 1
2.6 Corporate Banking 1
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

CITIBANK PAKISTAN
ECOMMERCE PRODUCTS:
Features Available:
• Account Information
View account details and activity

View balance summary
Download account activity
• Transfers and Payments
Transfer funds between your accounts with Citibank Pakistan

Transfer funds to another Citibank Pakistan customer
Foreign Currency Transfer
• Payments
Utility Bill Payments

Pay your Citibank Credit Card Bill
• Demand Drafts and Manager checks
Issuance of Demand Drafts

Issuance of Manager checks – Pak Rupee Only
• Payee List
Add a New Payee

See or Delete Payees

• Customer Services
Change PIN
Order for statement of account
Order for check book
Recommend a friend
Update your contact information
• Rate Information
Foreign currency exchange rate

Interest/profit rate
• Messages
Read new messages

Send messages
Read saved messages

CITIBANK PAKISTAN
Serial
No.
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

ABN AMRO
Currently, there are no ecommerce products offered by ABN AMRO.

AL-BARAKA ISLAMI BANK
Currently, there are no ecommerce products offered by AL-BARAKA ISLAMI BANK.

HSBC BANK MIDDLE EAST LIMITED
Currently, there are no ecommerce products offered by HSBC.

KASB BANK
ECOMMERCE PRODUCTS:
• Bill Payment
• Fund Transfer
• Requests
2. Mobile Banking:
• SMS Alerts
• Bill Payment

KASB BANK
2 Internet Banking
2.1.1 Balance View
2.2 Alerts
2.3 Bill Payment
2.8 Fund Transfer
2.8.1 Add a payee
2.9 Loan Management
2.9.1 Viewing Dues
2.10 Requests
3 Mobile Banking
3.2 Alerts
3.3 Bill Payment
3.4 Fund Transfer
3.5 Online shopping
3.6 Requests

APPENDIX I
Feature Wise Count of Banks
Categories SubCategories Total
Account Management Balance View 18
Blocking an account 1
Check balance through mobile 4
Check limits through mobile 2
Manage Accounts Details 17
Mini Statement on Mobile 2
Mini statement on net 18
Opening a new Account using Internet Banking 2
Unblocking an account 1
Alerts Alerts 16
Bill Payment Making Demand Drafts/ Pay Orders 8
Pay bill through mobile 1
Paying Credit Card Bill 4
Payment of Utility Bill over internet 7
Purchase of Prepaid Cards through Mobile 1
View Bill through Mobile 1
Cheque Management Cheques in Transit status 3
Complain Management Lodging the Complaint 2
Tracking the Complaint 2
Corporate Banking Corporate Banking 2
Credit Card Management Block the credit and debit card 2
Foreign Remittances Foreign Remittances 2
Fund Transfer Add a payee 5
Bulk Fund Transfer 3
Foreign currency Transfer 2
Fund Transfer 1
Fund Transfer between the multiple accounts of same customer 13
Fund Transfer Through Internet within same bank 11
Loan Management Viewing Dues 2
Viewing next Due Date 2
No Product No Product 12
online shopping Purchase of Cakes through Mobile 1
Purchase of Flowers through Mobile 1
Requests Cheque Book Request on internet 10
Cheque Book Request on mobile 1
Statememnt Request on internet 9
Statememnt Request on mobile 1
Standing Orders Standing Orders 3
Value added info Value added info 3
(for details, refer to appendix VI and VII)

APPENDIX II
Feature Wise Count of Banks (Foreign Remittances)

Type: Foreign Remittances
Total two banks are offering online foreign remittance facility.
1. United Bank Limited
2. National Bank Limited

APPENDIX III
Feature Wise Count of Banks – Internet Banking

Type: Internet Banking
Account Management Balance View 18
Manage Accounts Details 17
Mini statement on net 18
Opening a new Account using Internet Banking 2
Alerts Alerts 9
Bill Payment Making Demand Drafts/ Pay Orders 8
Paying Credit Card Bill 4
Payment of Utility Bill over internet 7
Cheque Management Cheques in Transit status 4
Complain Management Lodging the Complaint 2
Tracking the Complaint 2
Corporate Banking Corporate Banking 2
Credit Card Management Block the credit and / or debit card 3
Fund Transfer Add a payee 5
Bulk Fund Transfer 3
Foreign currency Transfer 2
Fund Transfer between the multiple accounts of same customer 13
Fund Transfer Through Internet within same bank 11
Loan Management Viewing Dues 2
Viewing next Due Date 2
Requests Cheque Book Request on internet 10
Statememnt Request on internet 9
Standing Orders Standing Orders 4
Value added info Value added info 3

APPENDIX IV
Feature Wise Count of Banks – Mobile Banking

Type: Mobile Banking
Blocking an account 1
Check balance through mobile 4
Account Management
Check limits through mobile 2
Mini Statement on Mobile 2
Alerts Alerts 6
Bill Payment Pay bill through mobile 1
Purchase of Prepaid Cards through Mobile 1
View Bill through Mobile 1
Fund Transfer Fund Transfer 1
online shopping Purchase of Cakes through Mobile 1
Purchase of Flowers through Mobile 1
Requests Cheque Book Request on mobile 1
Statememnt Request on mobile 1

APPENDIX IV
BANKS WITH NO ECOMMERCE PRODUCTS

There are 12 banks with no ecommerce products. These are:
• ABN amro
• Al-Baraka Islami Bank
• Atlas Bank
• Bank Alfalah
• Bank of Khyber
• Crescent Commercial Bank
• Emirates Global Islamic Bank Ltd
• First Dawood Islamic Bank Ltd.
• First Women Bank Limited
• HSBC Bank Middle East Limited
• JS Bank
• The Bank Of Punjab

Appendix V
WEB TRAFFIC FOR WEBSITES OF VARIOUS BANKS

In the context of ecommerce, especially where majority products are internet based, one of
the measures of the success of its ecommerce product portfolio is the internet hits. Given
below is the data for web-traffic compiled for above mentioned banks.
RANK REACH (per 100 million

BANK (lowest to highest) global internet users)
United Bank Limited 36,201 3070
MCB 46,532 2520
Askari Bank Limited 63,856 1610
Habib Metropolitan Bank 103,719 1110
Meezan Bank Limited 126,531 840
Allied Bank Limited 157,593 730
National Bank of Pakistan 174,218 720
Bank AlHabib 199,270 540
Habib Bank Limited 240,387 420
Dubai Islamic Bank 290,286 330
Faysal Bank Limited 379,099 260
Soneri Bank Limited 463,636 220
KASB Bank 504,650 210
Citibank 382,679 200
NIB Bank 469,165 200
Saudi Pak Commercial Bank 723,399 120
Arif Habib Rupali Bank 816,633 110
My Bank Limited 1,299,771 64
Standard Chartered Bank 2,304,847 45
Bank Islami Limited 2,070,212 44
Rank and Reach of websites of Banksof each of the e-commerce products providing banks

(Average of last 3 months)

% of visitors
NUMBER OF # of 'INTERNET
BANK visiting internet
VISITORS* BANKING' HITS
banking page
United Bank Limited 3,684,000 n/a n/a
MCB 3,024,000 36 1088640
Askari Bank Limited 1,932,000 31 598920
Habib Metropolitan Bank 1,332,000 32 426240
Meezan Bank Limited 1,008,000 8 80640
Allied Bank Limited 876,000 9 78840
National Bank of Pakistan 864,000 n/a n/a
Bank AlHabib 648,000 18 116640
Habib Bank Limited 504,000 n/a n/a
Dubai Islamic Bank 396,000 40 158400
Faysal Bank Limited 312,000 n/a n/a
Soneri Bank Limited 264,000 n/a n/a
KASB Bank 252,000 30 75600
NIB Bank 240,000 n/a n/a
Citibank 240,000 92 220800
Saudi Pak Commercial Bank 144,000 n/a n/a
Arif Habib Rupali Bank 132,000 n/a n/a
My Bank Limited 76,800 n/a n/a
Standard Chartered Bank 54,000 n/a n/a
Bank Islami Limited 52,800 n/a n/a
Number of visitors and number of users using internet bank page
*Global quantity of internet user is assumed to be 12 billion
A comparison of top 5 most visited banking sites of Pakistan over last 6 months.(Source for all
data related to web traffic in this report is www.alexa.com, retrieved on July 10, 2008)

Appendix VI
Bank Name Types Categories SubCategories

ABN AMRO No Product No Product No Product
AL‐BARAKA
ISLAMI BANK No Product No Product No Product
ALLIED BANK OF Internet
PAKISTAN Banking Account Management Balance View
Manage Accounts Details
Mini statement on net
Alerts Alerts
Bill Payment Payment of Utility Bill over internet
Credit Card Management Block the credit and debit card
Fund Transfer Add a payee
Fund Transfer between the multiple accounts
of same customer
Fund Transfer Through Internet within same
bank
Requests Cheque Book Request on internet
Statememnt Request on internet
Arif Habib Rupali Internet
Bank Ltd. Banking Account Management Balance View
Alerts Alerts
Fund Transfer of same customer
ASKARI BANK Internet
LIMITED Banking Account Management Balance View
Bill Payment Making Demand Drafts/ Pay Orders
Paying Credit Card Bill
Payment of Utility Bill over internet
ATLAS BANK No Product No Product No Product
BANK ALFALAH No Product No Product No Product

Internet
BANK ALHABIB Banking Account Management Balance View
Cheque Management Cheques in Transit status
Appendix VI

bank
BANK OF
KHYBER No Product No Product No Product
BANKISLAMI
PAKISTAN Internet
CITIBANK Internet
PAKISTAN Banking Account Management Balance View
Alerts Alerts
Foreign currency Transfer
of same customer
bank
Value added info Value added info
CRESCENT
COMMERCIAL
BANK No Product No Product No Product
DUBAI ISLAMIC Internet
BANK Banking Account Management Balance View
Opening a new Account using Internet Banking
Alerts Alerts
Complain Management Lodging the Complaint
Tracking the Complaint
Credit Card Management Block the credit and debit card
Appendix VI

Foreign currency Transfer
of same customer
bank
Loan Management Viewing Dues
Viewing next Due Date
Requests Statememnt Request on internet
EMIRATES
GLOBAL ISLAMIC
BANK LTD No Product No Product No Product
FAYSAL BANK Internet
Opening a new Account using Internet Banking
Alerts Alerts
Corporate Banking Corporate Banking
Bulk Fund Transfer
of same customer
bank
Loan Management Viewing Dues
Viewing next Due Date
Standing Orders Standing Orders
FIRST DAWOOD
ISLAMIC BANK
LTD. No Product No Product No Product
FIRST WOMEN
BANK LIMITED No Product No Product No Product
HABIB BANK Internet
Fund Transfer bank
Appendix VI
Mobile Banking Alerts Alerts

HABIB
METROPOLITAN Internet
Fund Transfer Bulk Fund Transfer

HSBC BANK
MIDDLE EAST
LIMITED No Product No Product No Product
JS BANK No Product No Product No Product
Internet
KASB BANK Banking Account Management Balance View
bank

Internet
MEEZAN BANK Banking Account Management Balance View
Alerts Alerts
Complain Management Lodging the Complaint
Tracking the Complaint
MUSLIM
COMMERCIAL Internet
Alerts Alerts
Fund Transfer Bulk Fund Transfer
of same customer
Appendix VI

bank
Mobile Banking Account Management Blocking an account

Check balance through mobile
Mini Statement on Mobile
Unblocking an account
Internet
MY BANK LTD Banking Account Management Balance View
NATIONAL BANK Foreign
OF PAKISTAN Remittances Foreign Remittances Foreign Remittances
NIB BANK Mobile Banking Alerts Alerts

SAUDI PAK
COMMERCIAL Internet
BANK LTD. Banking Account Management Balance View
bank
Mobile Banking Account Management Check balance through mobile

Mini Statement on Mobile
Alerts Alerts
Requests Cheque Book Request on mobile
Statememnt Request on mobile
SONERI BANK Internet
LTD. Banking Account Management Balance View
STANDARD
CHARTERED Internet
BANK LIMITED Banking Account Management Balance View
Appendix VI

Alerts Alerts
Corporate Banking Corporate Banking
bank

Check limits through mobile
Alerts Alerts
THE BANK OF
PUNJAB No Product No Product No Product
UNITED BANK Foreign
LIMITED Remittances Foreign Remittances Foreign Remittances
Internet
Banking Account Management Balance View
Alerts Alerts
of same customer
bank

Check limits through mobile
Bill Payment Pay bill through mobile
Purchase of Prepaid Cards through Mobile
View Bill through Mobile
Fund Transfer Fund Transfer
online shopping Purchase of Cakes through Mobile
Purchase of Flowers through Mobile
Appendix VII
Types Categories SubCategories Bank Name

Foreign Foreign
Remittances Remittances Foreign Remittances NATIONAL BANK OF PAKISTAN
UNITED BANK LIMITED
Internet Account
Banking Management Balance View ALLIED BANK OF PAKISTAN
ASKARI BANK LIMITED
BANK ALHABIB
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
HABIB BANK LIMITED
KASB BANK
MEEZAN BANK
MUSLIM COMMERCIAL BANK
MY BANK LTD
SAUDI PAK COMMERCIAL BANK LTD.
SONERI BANK LTD.
STANDARD CHARTERED BANK LIMITE
UNITED BANK LIMITED
Manage Accounts Details ALLIED BANK OF PAKISTAN
ASKARI BANK LIMITED
BANK ALHABIB
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
HABIB BANK LIMITED
KASB BANK
MEEZAN BANK
MY BANK LTD
LTD.
SONERI BANK LTD.
STANDARD CHARTERED BANK
LIMITED
UNITED BANK LIMITED
Mini statement on net ALLIED BANK OF PAKISTAN
ASKARI BANK LIMITED
BANK ALHABIB
Appendix VII

CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
HABIB BANK LIMITED
KASB BANK
MEEZAN BANK
MY BANK LTD
LTD.
SONERI BANK LTD.
LIMITED
UNITED BANK LIMITED
Opening a new Account using
Internet Banking DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
Alerts Alerts ALLIED BANK OF PAKISTAN
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
MEEZAN BANK
LIMITED
UNITED BANK LIMITED
Bill Payment Making Demand Drafts/ Pay Orders ASKARI BANK LIMITED

BANK ALHABIB
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
MEEZAN BANK
LTD.
UNITED BANK LIMITED
Paying Credit Card Bill ASKARI BANK LIMITED
CITIBANK PAKISTAN
UNITED BANK LIMITED
Payment of Utility Bill over internet ALLIED BANK OF PAKISTAN
ASKARI BANK LIMITED
CITIBANK PAKISTAN
Appendix VII

FAYSAL BANK LIMITED
KASB BANK
UNITED BANK LIMITED
Cheque
Management Cheques in Transit status BANK ALHABIB
DUBAI ISLAMIC BANK
UNITED BANK LIMITED
Complain
Management Lodging the Complaint DUBAI ISLAMIC BANK
MEEZAN BANK
Tracking the Complaint DUBAI ISLAMIC BANK
MEEZAN BANK
Corporate
Banking Corporate Banking FAYSAL BANK LIMITED
LIMITED
Credit Card
Management Block the credit and debit card ALLIED BANK OF PAKISTAN
DUBAI ISLAMIC BANK
Fund Transfer Add a payee ALLIED BANK OF PAKISTAN
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
UNITED BANK LIMITED
Bulk Fund Transfer FAYSAL BANK LIMITED
Foreign currency Transfer CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
Fund Transfer between the
multiple accounts of same
customer ALLIED BANK OF PAKISTAN
ASKARI BANK LIMITED
BANK ALHABIB
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
KASB BANK
LTD.
Appendix VII

LIMITED
UNITED BANK LIMITED
Fund Transfer Through Internet
within same bank ALLIED BANK OF PAKISTAN
BANK ALHABIB
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
HABIB BANK LIMITED
KASB BANK
LTD.
LIMITED
UNITED BANK LIMITED
Loan
Management Viewing Dues DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
Viewing next Due Date DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
Requests Cheque Book Request on internet ALLIED BANK OF PAKISTAN

BANK ALHABIB
CITIBANK PAKISTAN
FAYSAL BANK LIMITED
MEEZAN BANK
LTD.
LIMITED
UNITED BANK LIMITED
Statememnt Request on internet ALLIED BANK OF PAKISTAN
BANK ALHABIB
CITIBANK PAKISTAN
DUBAI ISLAMIC BANK
FAYSAL BANK LIMITED
LTD.
LIMITED
Appendix VII

UNITED BANK LIMITED
Standing
Orders Standing Orders FAYSAL BANK LIMITED
LIMITED
UNITED BANK LIMITED
Value added
info Value added info CITIBANK PAKISTAN
LIMITED
Account
Mobile Banking Management Blocking an account MUSLIM COMMERCIAL BANK
Check balance through mobile MUSLIM COMMERCIAL BANK
LTD.
LIMITED
UNITED BANK LIMITED
Check limits through mobile LIMITED
UNITED BANK LIMITED
Mini Statement on Mobile MUSLIM COMMERCIAL BANK
LTD.
Unblocking an account MUSLIM COMMERCIAL BANK
Alerts Alerts HABIB BANK LIMITED
KASB BANK
NIB BANK
LTD.
LIMITED
Bill Payment Pay bill through mobile UNITED BANK LIMITED
Purchase of Prepaid Cards through
Mobile UNITED BANK LIMITED
View Bill through Mobile UNITED BANK LIMITED
Fund Transfer Fund Transfer UNITED BANK LIMITED
online
shopping Purchase of Cakes through Mobile UNITED BANK LIMITED
Purchase of Flowers through
Mobile UNITED BANK LIMITED
Requests Cheque Book Request on mobile LTD.
Appendix VII

Statememnt Request on mobile LTD.
No Product No Product No Product ABN AMRO
AL‐BARAKA ISLAMI BANK
ATLAS BANK
BANK ALFALAH
BANK OF KHYBER
CRESCENT COMMERCIAL BANK
EMIRATES GLOBAL ISLAMIC BANK
LTD
FIRST DAWOOD ISLAMIC BANK LTD.
FIRST WOMEN BANK LIMITED
HSBC BANK MIDDLE EAST LIMITED
JS BANK
THE BANK OF PUNJAB
E‐Commerce Products and Features Offered by Various Banks
T
C K o
A A A B B i D F H H A M M M N N S S S U t
B H S A I t I B B M S B C Y B I B C P B a
L B K H L i B L L B B L B B P B L B B L l
Foreign Remittances 9 9 2
Internet Banking
Account Management
Balance View 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 18
Manage Accounts Details 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 17
Mini statement on net 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 18
Opening a new Account using Internet Banking 9 9 2
Alerts 9 9 9 9 9 9 9 9 9 9
Bill Payment
Making Demand Drafts/ Pay Orders 9 9 9 9 9 9 9 9 8
Paying Credit Card Bill 9 9 9 3
Payment of Utility Bill over internet 9 9 9 9 9 9 9 7
Cheque Management 0 0 0 1 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 1
Cheques in Transit status 9 9 9 9 4
Complain Management 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 0 0 0 0 1
Lodging the Complaint 9 9 1 2
Tracking the Complaint 9 9 2
Corporate Banking 9 9 1 2
Credit Card Management
Block the credit and /or debit card 9 9 9 3
Fund Transfer
Add a payee 9 9 9 9 9 5
Bulk Fund Transfer 9 9 9 3
Foreign currency Transfer 9 9 2
Fund Transfer between the multiple accounts of same customer 9 9 9 9 9 9 9 9 9 9 9 9 9 13
Fund Transfer Through Internet within same bank 9 9 9 9 9 9 9 9 9 9 9 11
Loan Management
Viewing Dues 9 9 2
Viewing next Due Date 9 9 2
Requests
Cheque Book Request on internet 9 9 9 9 9 9 9 9 9 9 10
Statememnt Request on internet 9 9 9 9 9 9 9 9 9 9
Standing Orders 9 9 9 9 4
Value added info 9 9 9 3
Mobile Banking
Account Management
Blocking an account 9 1
Check balance through mobile 9 9 9 9 4
Check limits through mobile 9 9 2
Mini Statement on Mobile 9 9 2
Alerts 9 9 9 9 9 9 6
Bill Payment
Purchase of Prepaid Cards through Mobile 9 1
pay Bill through Mobile 9 1
View Bill through Mobile 9 1
Fund Transfer 9 1
Online shopping
Purchase of Cakes through Mobile 9 1
Purchase of Flowers through Mobile 9 1
Requests
Cheque Book Request on mobile 9 1
Statememnt Request on mobile 9 1
No. of Categories of e‐commerce products 6 4 3 5 2 6 9 8 3 5 4 5 7 1 1 1 1 9 7 13
Legends:
ABL: Allied Bank Limited DIB: Dubai Islamic Bank MCB: MCB Ltd SCB: Standard
AHB: Arif Habib Rupali Bank Ltd FBL: Faysal Bank Limited MYB: My Bank Limited Chartered Bank
ASK: Askari Bank Ltd HBL: Habib Bank Ltd NBP: National Bank SPB: Saudi Pak Bank
BAH: Bank Al Habib HMB: Habib Matropolitan of Pakistan UBL: United Bank Limited
BIL: Bank Al Islami Limited Kasb: Kasb Bank NIB: NIB BANK
Citi: Citibank Pakistan MBL: Meezan Bank Ltd SBL: Soneri Bank Ltd
CHANGE REQUEST RESPONSE DOCUMENT
Changes to the earlier document:
1. UBL:
a. Cheque in Transit Status is added. It was not mentioned on the website,
however, upon audit it was identified that this facility is also available and thus,
it was added, after confirmation from their call centre.
b. Blocking the debit card is added. It was not mentioned on the website,
however, upon audit it was identified that this facility is also available and thus,
it was added, after confirmation from their call centre.
c. Standing order is added. It was not mentioned on the website, however, upon
audit it was identified that this facility is also available and thus, it was added,
after confirmation from their call centre.
2. KASB:
a. Email Alerts are removed. The website of KASB was not working, so all the
information was taken on phone, however, upon audit it was identified that
this facility is not available and thus, it was removed, after confirmation from
their main branch.
Changes Recommended but not implemented:
1. United Bank Limited:

a. Corporate Banking
b. Lodging the Complaint
c. Value Added Information
d. Blocking an Account through mobile
These features are neither listed on the website of UBL, nor were the availability of
these services confirmed by their call centre agent.
These were further confirmed by logging into their internet banking accounts.
2. Standard Chartered Bank:

a. Cheque Book Request on Internet
b. Statement Request on Internet
c. Standing Orders
d. Value Added Information
All of these services are available, as confirmed through phone banking. As evidence, a
snapshot of the account is shown below:
3. Habib Metropolitan Bank:
a. Mobile Alerts:
Mobile Alerts are provided by HMB. A snapshot of their account opening

form showing these features is given below:

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Ecommerce Banking Products in Pakistan V 1 5 Full

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Intern – Ecommerce Department

July 14, 2008

Author Date Version Description

NIB Bank ___________________________________________________________________ 62

An activity carried over internet or telecommunication network which is a part of some

• Product (Tangible or Digital)

E-COMMERCE IN BANKING PERSPECTIVE

PURPOSE OF THE STUDY

This study is aimed to:

• Identify various ecommerce products provided by the banks in Pakistan

• Explore the features provided with each service

SCOPE FOR THE STUDY

• As defined earlier, the range of ecommerce products in the banking sectors is

LIMITATIONS OF THE STUDY

• The authenticity of the information provided in this report is subject to the

FIRST WOMEN BANK LIMITED

Currently, there is no ecommerce product offered by First Women Bank Limited.

NATIONAL BANK OF PAKISTAN

Pakremit is an internet based Home Remittance Service. This service is available to

1. Remitters log on to www.pakremit.com and after completing the registration process,

2. Log in to your account.

For NBP Beneficiaries

For Non-NBP Beneficiaries:

4. Funds in US Dollars can be sent only to a Beneficiary maintaining a US Dollar

Types of home remittances:

Send Pak Rupees to beneficiary's bank account at any bank in Pakistan

Currently, there is no ecommerce product offered by Bank of Khyber.

THE BANK OF PUNJAB

ALLIED BANK OF PAKISTAN

• Once your request is approved, an ACTIVATION KEY will be sent to

• Once your Internet Banking is activated, visit our website. After

Mini statement is the last 8 transaction of your account.

Lost ATM Card Reporting

Cheque Book Request

Generate Financial PIN

ALLIED BANK OF PAKISTAN

Serial No. E-Commerce Products and Features Available

Arif Habib Rupali Bank Ltd.

With AHB e-banking you can perform the following functions:

• View Balances and Transactions in your accounts

ASKARI BANK LIMITED

• Fund Transfer to own accounts

Serial No. E-Commerce Products and Features Availability

Currently, there is no ecommerce product offered by Atlas Bank.

Currently, there is no ecommerce product offered by Bank Alfalah.

• Cheque book request

• Address change request

Serial No. E-Commerce Products and Features AVAILABILITY

BANKISLAMI PAKISTAN LIMITED

BANK ISLAMI LIMITED

CRESCENT COMMERCIAL BANK

Currently, no ecommerce product is offered by Crescent Commercial Bank.

DUBAI ISLAMIC BANK

1. Al Islami Online Banking

Fund Transfers and Payments

• Transfer funds between your accounts with DIBPL.

Demand Drafts and Cheques

• Have Pay Orders and Demand Drafts made.

• Block Cheques that you have issued.

Request opening of new Accounts.

• Request for new Visa Debit Card.

• Add a new payee.

DUBAI ISLAMIC BANK