Banking Reviews

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Recharge Your Mobile Balance With DBBL Nexus ATM CardVisa or Master Card!

Posted on 28 , December 2016 in Banking author:

Here I am going to share very hot news to you. Maybe ought to know that the Dutch Bangla Bank Ltd [DBBL] is the most popular online Bank in Bangladesh at present time. Because they are always providing us all the latest banking facilities like Local ATM service, Nexus Debit Card, Visa & Mestro Credit Cards, Online Banking, SMS Banking etc before others. And this time they added an another Ultimate service. That is Online Mobile recharge by using your DBBL exiting account or Debit/Credit Cards! Don’t worry, this site is 100% secure and safe to use. Because your card information will be taken in a DBBL authorized website.

Let’s see, how to recharge mobile balance with DBBL local ATM Nexus Debit Card: Charges and Others:.

Processing Charge6% of recharge amount Minimum Recharge30 tk. Support CardsDBBL Nexus,Visa & Master Card Support OparetorsBanglalink. Airtel. Robi. Grameen Phone. Telitalk & Citycell

1. Click here and you will be directed to Amarbill’s site. fill up the blank form like picture bellow.

2. Select Pre-Paid or Post-Paid and put your full name, mobile number, recharge amount, email address and then Recharge Now. 3. You will see your transaction details like this. Press Pay Now. 4. Next you will be promoted to select your payment method [Visa/Master/DBBL Nexus Card]. Select DBBL & Click ‘Proceed To Pay’. 5. Now you will see DBBL page with a blank form like this picture. 6. Fill the form with your card information. Do not modify -Expiry Date’ option, leave it blank ! 7. Click submit. your browser could show this massage click Continue. 8. and wait to see this. Please feel free to leave your feedback about this service or post !

9. It will take few seconds and you will get a recharge massage on your mobile from your operator with your recharge details. Congratulations !

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Have You Ever Considered Private Banking –

Posted on 26 , December 2016 in Banking author:

Most of us feel that taxes are one of the main barriers to true success with considerable sums of money having to go to various national institutions whenever we have profits coming our way. Another issue surrounding the financial sector is withdrawals and more specifically the inability to access large sums of your own money in a rapid manner without having to go through a painstaking and lengthy process. Using private banking – ??????????? as opposed to the traditional banking solutions, basically means that you will be taking your business to an offshore service provider that allows you rapid access to your funds whilst providing complete confidentiality. It also offers a wide range of investment choices not typically found with domestic banks.

There are numerous countries around the world that do not impose the same strict financial regulations as such high tax nations, and these countries have become heavens for investors from all over the world who are seeking ways to grow their portfolios without having to take on any additional risks. In addition these extra services provided by private banking firms ??????????? means that your money can access investments not normally found at domestic firms with lower minimums. For example many funds cater to large institutions with minimum investments of US$10,000,000 and the same investments can be accessed via private banking firms ??????????? for US$100,000.

The benefits of using private banking – ??????????? really start to become visible the more one utilizes them. Not only does private banking reduce the amount and quantum of the taxes you have become accustomed to paying but you also have more access to your funds. Moreover, by using private banking – ??????????? as an alternative to the traditional banking solutions available to you in your country of residence, you also receive easier access to profitable investment opportunities such as an offshore regular saving plan – ???????, offshore hedge funds and the list continues to include a large variety of other options that you may not even consider otherwise.

The most basic definition of private banking – ??????????? is also the most correct one, which is that private banking – ??????????? is definitively a means of possessing and using bank accounts in other countries having a world of choice from one account with full confidentiality. Apart from the above enumerated benefits such as easier access to offshore regular saving plan – ??????? and other financial investment opportunities, private banking – ??????????? is also renowned for offering those interested a considerably increased level of privacy, a good level of security against instability, be it political, financial or local.

Also, this great option leads you to benefit from reduced restrictions from a legal standpoint. In terms of what you can actually expect from private banking – ??????????? or even investing in an offshore regular saving plan – ???????, you should know that they are very similar to the traditional options you have been using. The services are very similar and you can benefit from all the traditional benefits such as credit and debit cards that work anywhere in the world and so on.

In addition to all this, working with a well experienced service provider that has the expertise needed to provide high quality services, you can also increase your investment portfolio with an offshore regular saving plan – ???????, currency exchange plans, and much more.

For more resources about ??????????? or about ???????, please review these links.

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How To Succeed In Banking Jobs

Posted on 25 , December 2016 in Banking author:

The demand for banking jobs has increased tremendously in recent years. This is particularly true for investment banking as people see a high degree of return associated with it. In fact, investment banking is known to be one of the most highly paid jobs in the market. However, you cannot jump directly to investment banking after completing your college degree. You will have to start off with entry level jobs in the field and then gradually make your way up the ladder after sufficient hard work and dedication.

Even though investment banking may seem like the prime option in the banking sector nowadays, there are several other banking jobs you should consider. A large majority of these jobs are those of a bank teller. In addition to this, there are some other important banking jobs in the sector such as that of a bank manager. This person is responsible for ensuring the smooth operations of the bank on a daily basis as well as overlooking the activities of employees and whether they are performing all their duties within the assigned deadlines. You can also choose to be a bank accountant if you hold the necessary qualification and are good at managing accounts. This is one of the most important positions in any bank, as the accountant is responsible for preparing information that will be presented to investors and tax regulatory authorities.

Other banking jobs include those of financial advisors, whose responsibility is to guide clients in making the best possible financial decisions. This means that financial advisors have a lot at stake for their clients and they must help them in making the most effective decisions. There is no doubt about the fact that careers in the banking field are very promising but you need to consider some factors if you wish to achieve a high level of success. You need to stay updated with all the latest developments in the world of business and technology. New ways of making money are discovered almost regularly, and you need to be familiar with these in order to guide your clients in the best possible manner.

When it comes to banking jobs, you must maintain some degree of networking. If you do not have the right contacts, you are not bound to succeed in any field. Try to be more socially involved by attending gatherings and getting to know important people. If you are an investment banker, you will also have to do some research on the fees you are going to charge. It should be decided upon after considering the amount you invested in the first place.

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Getting Ready For Upsc, Itbp And Ibps Recruitment 2013 With 3 Smiling Reasons

Posted on 24 , December 2016 in Banking author:

It is a chance for the aspiring candidates to give a befitting end to their preparations as well as their wait ends now with these advertisements. There are many such exams in India, which are awaited by the masses and UPSC or Union Public Service Commission exams, Institute of Banking Personnel Selection exams, etc are some of them.

Union Public Service Commission is the highest recruiting agency under the government of India, and is responsible for the recruitment of candidates to various officer positions in different central government departments. Not only are these posts counted among the prestigious jobs but also have a good pay scale, commensurate to the best in the whole country. It is not without reason that the UPSC exams are considered among the toughest in the country, especially the civil services. Apart from this, there are many other exams like Indian Engineering Services, Indian Statistical Services, Indian Economic Services, foreign services, SCRA, etc which are under the lookout of UPSC. In the UPSC recruitment 2013, many of these exams will be conducted for the aspiring candidates and they will be waiting for these opportunities. It will be a time of excitement for these candidates, who have been preparing for good outcomes since one previous year.

ITBP recruitment 2013 is also a reason for smiling for many candidates, who want to serve their country with the help of joining the defence services in the country. ITBP or Indo Tibetan Border Police is the wing of armed forces of India, which looks after the fighting and attacks on the borders of India. Not only is their work quite difficult and praiseworthy, but it is also a great pleasure for the recruits. With good pay scales, challenging job environment and a chance to serve the motherland, the ITBP recruitment will be the best time for candidates to be happy about. They can apply for the positions like constables, sub ordinate staff, commandants and many more, whenever there will be announcements of this recruitment.

IBPS recruitment 2013 has already brought smiles into the face of millions of aspiring candidates, who want to join the banking sector for its job stability, good pay and professional satisfaction. It is in the month of December 2012 that the IBPS clerk level CWE II would be held as per the announcements. After appearing in this exam, which consists of written and interview rounds, the final list of candidates will be able published. Through the help of these scores, candidates can put in their applications into the individual banks, so that their candidature is finalised by a final interview round in the banks.

Whenever there are announcement of recruitment in sectors like banking, railways, armed forces, PSUs, etc, there is a frenzy of people submitting their applications. They have the above reasons to be happy about and therefore they put in their applications, with lots of hope and enjoyment because such huge scale opportunities is not possible from other employment opportunities.

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Main Activities Of Investment Banking

Posted on 22 , December 2016 in Banking author:

Investment banking and corporate finance) is the traditional investment banks, which also involves helping clients to raise funds in capital markets and advising on mergers and acquisitions (mergers and acquisitions). This can be imposed on investors, the issuance of Security, in coordination with the bidders, or negotiating with the goal of integration. Last term of the Division on Investment banking and corporate finance, advisory group is often called the mergers and acquisitions. Create a book where the information is in the bank’s financial market to the meter and the potential customer, if the pitch is successful, the Bank arrange the deal for customers. Divided into general and the investment banking division (IBD) in the coverage of industry groups and product coverage. Industry coverage groups focus on a particular sector, such as health, industrial, technology, and maintaining relationships with the companies in this industry to achieve in the business for a bank. Groups of product coverage to focus on financial products, such as mergers and acquisitions, corporate finance, project finance and asset finance leasing, structured finance, and restructuring of equity and debts are high quality and work in cooperation with industry groups on the more complex needs, and specialized client.

Sales and Trade: On behalf of the Bank and its clients, the function of a large investment bank in the first place to sell products. Market makers and traders buy and sell financial products to the growing amount of money on each trade. Sales is a sales force in the investment bank, which is important to appeal to institutions and high net worth investors to trade ideas for the proposal (in the warning based on the buyer’s responsibility), and take orders. Contact sales offices and customer orders for the offices the right brand name, which can price and execute trades, or structure new products that fit a specific need. Restructuring activity is relatively recent derivatives also comes in play, with the staff a high degree of technical writing and arithmetic to create complex structured products which typically offer much greater margins of securities and cash infrastructure.
In 2010, and investment banks came under pressure due to the sale of complex derivatives to municipalities in Europe and the United States of America [2] strategic advice. Follows the external and internal clients on the strategies in different markets. Starting from derivatives to specific industries, companies and industries strategic place in a quantitative framework with full consideration of the macroeconomic scene. This strategy is often the way the company will operate in the market, and the direction it will take in terms of their flow, and sales staff to offer suggestions to customers as well as how structurers create new products. Banks also have to take risks through their own trade, conducted by a private group of traders who interact with customers and through the “main risk” risks undertaken by the dealer after you buy or sell the product to the customer and not hedge his total exposure. Banks seek to maximize the profitability of a certain amount of risk on the balance sheet of their own. The need for numerical ability in sales and trading has created jobs for physics, mathematics and engineering doctoral degrees and quantitative analysts.

* Search is the division which reviews companies and writes reports on their prospects, often with “buy” or “sell” ratings. While the research department may or may not generate income (on the basis of policies in different banks), and the resources that are used to assist in marketing and sales force in suggesting ideas to clients and investment banks by giving their customers. Research also works with external customers investment advice (such as institutional investors and high net worth individuals) in the hope that they are represented by these customers and sales marketing ideas of the Commercial Bank Run, and therefore revenue for the company. There is a potential conflict of interest between investment banking and analysis, and analysis was published that could affect the bank’s profits. Even in recent years has become the relationship between investment banking and research is very organized, a Chinese wall between public and private employment.

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Queries On Mobile Banking Services That Taunt Customers

Posted on 21 , December 2016 in Banking author:

Financial institutions are exploring avenues to find ideal ways and means to render good services to customers, and to earn their confidence in the bargain. In their effort to offer good services, banks have started offering mobile banking services that work to the advantage of the customers. With the aid of banking software companies, financial institutions are rolling out mobile solutions to cater to the demands of customers. Though mobile solutions have attracted the attention of customers, there are queries about mobile banking services that taunt and haunt customers. What are the queries that deserve proper answers?

Why apply for this facility?

In the first place, a customer wants to know as to why he should apply for this facility. Mobile banking has made things easy for banks and customers, and with this banking facility, a customer can carry out banking transactions from any part of the world, and at any time that suits the convenience of the customer. By applying for this facility, a customer can make good use of the anytime anywhere banking mode, and save his valuable time in the process.

What are the requests to be made?

Another query that demands a suitable answer is the query about requests that can be made by a customer, with respect to the mobile services rendered by a financial institution. A customer can make use of this mobile banking facility to check his account balance, to glean details regarding the check status, and about details of the transactions among other types of services.

What is the specialty?

Financial institutions seek the services of Banking software companies to introduce mobile solutions that work to the advantage of customers. These solutions are so special, where the solutions offer a wealth of benefits in the process. With the help of mobile phones, customers can gain access to their account, and conduct several transactions without having to invest more time and energy to accomplish such tasks. Whether it is the need to glean details on recent transactions, or the need to access card statements, this facility makes it easy and comfortable for a customer to gather the needed details.

Though mobile banking services have gained popularity amid customers, queries concerning this facility taunt and haunt some of the customers who look for suitable answers to these queries.

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Must Know Business Logic Vulnerabilities In Banking Applications

Posted on 20 , December 2016 in Banking author:

Over the last few years, our On-Demand and Hybrid Penetration Testing platform has performed security testing of applications across various verticals and domains including Banking, e-commerce, Manufacturing, Enterprise Applications, Gaming and so on. On one side, SQL Injection, XSS and CSRF vulnerabilities are still the top classes of vulnerabilities found by our automated scanning system, on the other hand however, there are a lot of business logic vulnerabilities that are often found by our security experts powered by a comprehensive knowledge base.

A business logic vulnerability is defined as security weakness or bug in the functional or design aspect of the application. Because the security weakness or bug is in the function or design, it is often missed by all existing automated web application scanners.

In this blog we are sharing the top commonly found Business Logic Vulnerabilities in the Virtual Credit Creation (VCC) module of a Banking Application.

Consider the following scenario: A Banking Application provides web based functionality to users to pay Bills Online as well as to create and manage Virtual Credit Cards. Virtual Credit cards are used to shop online. A Virtual Credit Card creation use case involves the following steps: 1.User visits banking application. 2.User opts to create virtual credit card. 3.User fills up personal details, required amount, expiry date of VCC etc. 4.User chooses a payment gateway. 5.User fills up credit / debit card details. 6.Banking Application redirects user to a Payment Gateway. 7.Required amount + Service Charge are debited from user’s Debit / Credit card. 8.Payment Gateway redirects user to a Callback URL provided by the Banking Application. 9.Banking Application verifies the Payment Gateway confirmation. 10.Banking Application generates a CVV number. 11.Banking Application presents VCC details to the user. 12.Banking application performs SMS verification of the user.

A couple of security weaknesses that are found in the above scenario are as follows:

TAMPERING OF DATA COMMUNICATION BETWEEN PAYMENT GATEWAY AND BANKING APPLICATION: Weaknesses: The Banking application does not verify whether the required amount is successfully paid at the Payment Gateway Side, or what amount is being paid at the Payment Gateway Side. As a result, a virtual card can be recharged with higher amount while paying a lower amount to the bank by modifying amount when the request is sent from payment gateway to the bank.

Mitigation: There should be sufficient validations between the Banking application and the payment gateway. The callback URL should not be allowed to be directly controlled by an attacker.

NO VALIDATION ON BANKING APPLICATION’S CALLBACK URL Weakness: There is lack of validation on the Banking Application Side when the Payment Gateway redirects a user to the Banking Application’s callback URL. As a result, a virtual credit card can be created without paying any service charges, by sending the request directly to the callback URL of Payment Gateway.

Mitigation: There should be enough validations on the callback URL including whether the URL is redirected by the Payment Gateway or directly called by an attacker.

VIRTUAL CREDIT NUMBER IS PREDICTABLE Weakness: Generated Virtual Credit card numbers are predictable or follow certain patterns. As a result, an attacker can predict what virtual credit card numbers are being used by other legitimate users.

Mitigation: Virtual Credit Card numbers should be sufficiently random.

NO ANTI-AUTOMATION IN VIRTUAL CREDIT CARD DETAILS VERIFICATION Weakness: There is no anti-automation (e.g. CAPTCHA) while verifying the Virtual Credit Card details such as CVV number and expiry date. The Credit Card number is sufficiently long however, the CVV number is generally a 3 digit number and expiry date is also a 2 digit number. As a result, it is possible to bruteforce the CVV number and expiry date, and shop online using a stolen virtual credit card number.

Mitigation: There should be sufficient anti-automation e.g. CAPTCHA while verifying the CVV numbers along with the Credit Card Number.

NO ANTI-AUTOMATION IN CARD CREATION PROCESS Weakness: There is no anti-automation while creating a virtual credit card. An attacker can use automated scripts to exhaust credit card numbers. As a result, Credit Card Numbers can be exhausted and be therefore made unavailable to users leading to a Denial of Service (DoS) attack. It can also lead to other attacks including Credit Card Number pattern prediction.

Mitigation: There should be sufficient anti-automation e.g. CAPTCHA while creating virtual credit card numbers

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Huge Intake For Bank Of Baroda, Bank Of Maharashtra And Bank Of India Recruitment 2013

Posted on 19 , December 2016 in Banking author:

In the field of banking, job opportunities will be quite high, especially in the nationalised banks of the country. In the scenario, particularly benefited would be candidates who are aiming for Bank of India, Bank of Maharashtra and Bank of Baroda branches. These are 3 among the 19 nationalised banks of India, which have agreed upon the recruitment into their ranks by means of the exam conducted by IBPS or Institute of Banking Personnel and Selection.

Since the year 2011, the IBPS has been conducting Common Written Exam for recruitment into various positions such as clerks, probationary officers and specialist officers. This is done in accordance with the merit list of the candidates in the respective exams. Exam of CWE conducted in 2012 for recruitment into specialist officers and probationary officers ranks, will again be conducted in end of 2012 so that recruitment is done by 2013. PO posts, which were advertised for in 2012, would be finished with the written rounds. Since this mark or score is valid for about 1 year, candidates can apply for the posts which have a validation till 2013.
High intake running into thousands
In December 2012, the tentative date for the second edition of CWE by IBPS for clerical exams has been scheduled. Through this exam, the Bank of India, Bank of Maharashtra and Bank of Baroda will be taking up their candidates in clerical position in 2013. These banks have a pan-India presence and are planning on expanding their branches. Also, more number of retirements are going to occur in the next 3 years or so, making it go for more number of people to fill up these positions. Bank of Maharashtra recruitment 2013 will be looking at expanding its branches in all over India, by coming out of the present day scenario of higher clustering in Maharashtra. Similarly, Bank of Baroda is looking at prospects of setting up branches outside its high concentration area of Gujarat.

The Bank of Baroda recruitment 2013 will be done through the IBPS exam, for both clerical and probationary officer positions. Since the 2013 recruitment of clerks will be done through the qualified candidates in the IBPS CWE to be conducted in December 2012, the recruitment drive for officers will be probably done in the month of February/March 2013. After the written rounds and interviews are finished by IBPS, the merit list of the candidates, who will apply for these banks, will be published and then people can go for Bank of India recruitment 2013.

Bank jobs will therefore be quite high in the coming years, starting from 2013, where thousands of positions in clerical and officer cadre will be up for grabs. Interested candidates need to check out the advertisements for the officer position CWE in 2013, and start their preparations from now on, so as to get good scores in this particular exam. Missing out on such a large number of positions is something that might put the interested candidates on a regretting situation.

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How Older People Can Embrace Technology And Improve Their Lives

Posted on 17 , December 2016 in Banking author:

Technology is normally associated with the young and the trendy. Cell phone and computer companies market the gaming and music abilities of their phones and computers. The phones come in fashionable colors with hip ringtones and flashy features.

Older people are seldom interested in all this, but the basics of technology, without all the extras, can come in very handy for older people. The elderly of today didnt grow up in a time where technology was as essential as it is today. They are scared to experiment and use technological devices such as computers and cell phones. That said, there are many elderly people who are quite competent in using their cell phones and computers but they are in the minority.

Technology can add to the comfort of the elderly and it can allow them to stay independent for much longer. The explosion in the technological device market has been phenomenal. If you can think of something to make your life easier and more comfortable, you are almost certain to find it.
While many of these devices might be unaffordable to a lot of elderly people, a basic computer and cell phone is within reach of many elderly peoples budget.

A cell phone is a wonderful device that allows older people to stay in contact. There are cell phones on the market with bigger buttons and screens that make it easier to use. Sending text messages is a daily occurrence in almost everybodys life. Staying in contact with loved ones and family or friends is very important in older peoples lives. Receiving a message from a loved one can brighten up a lonely persons day.

The advantages of computer technology to the elderly are more important than what most people realize. What is there that you cant do over the internet? Elderly people can be in control of their own finances by using the internet banking services. For someone who finds it difficult to walk or stand in queues, internet banking is a wonderful tool. The elderly person wont have to rely on others to get to the bank and they wont have to go through all the distress of actually visiting the bank. It wont only have an impact on the elderly persons life, but also on those responsible for driving them around and assisting them in these tasks. Many online shops provide an online grocery ordering and delivery facility as well.

Independence is the one aspect in the life of the elderly that should be nurtured and technology can do that.

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Best Banking In Asia With Dbs Bank

Posted on 16 , December 2016 in Banking author:

Ranked as the largest bank in South-East Asia by assets, the DBS Bank was established in 1968 as the Development Bank of

Singapore Limited by the Government of Singapore. It started operations in India in 1994 through a representative office

in Mumbai, which became a formal bank branch in 1995. Currently, the bank operates all over the country through 12 branches

in major cities and headquarters in Mumbai.
The DBS Bank extends its end-to-end services to facilitate capital in rapidly developing Asian countries. It has customized

banking products available for consumer, corporate, SME and wholesale banking segments across Asia and Middle East. With

subsidiaries like DBS Treasures, DBS Private Bank, Institutional Banking, DBS Private Equity, Capital Markets, DBS Vicker

Securites and POSB, the DBS Group is a comprehensive financial service institute.
Under personal banking, the bank offers a variety of savings and deposit accounts, Debt and Equity management, private

equity consultancy, protection services like health insurance and general insurance, International DBS Bank Debit Card,

Internet Banking etc. Under Institutional Banking, the DBS Bank provides services like Cash Management, Trade Finance,

Credit Facilities, Treasury Services like currency derivatives, forex and bonds/ interest rate derivatives, Securities and

Fiduciary Services, Capital Markets, Electronic Banking Services (DBS IDEAL, integrated web-based cash management gateway),

International Banking and Advisory Services.
In a competitive market for global banking, the DBS Bank stays ahead of its competitors by providing best quality of

services to its customers. The bank makes arrangement to provide detailed information about the financial products and

services to each customer, and has a 24 hour Customer Service actively handling all customer queries. The bank also lists

all its policies and processes regarding banking functions and dealing with customers on its website, easily available to

every client who wishes to have such information. In case any customer is dissatisfied with the bank at any level, a complaint against DBS Bank can be registered with the DBS

Bank Customer Care. The complaint can be made online on the website, at any of the toll free helpline numbers listed on the

website, through email, or by contact the branch manager of the concerned branch.
All DBS Bank Complaints are handled under an elaborate Grievance Redressal Policy which aims at efficient and prompt reply

and resolution of all issues. The branch manager is responsible to provide appropriate solution to every complaint within

14 days or date of complaint. In case customer is not satisfied with the response, the complaint can be escalated to the

Nodal Officer, further to the Chief Executive Officer and General Manager, and still further to the banking ombudsman

appointed by the RBI. All details on procedure and requirements of registering complaints at every level are detailed on

the banks website.
With its transparent operations and customer-friendly policies, the DBS Bank has become a trusted name among Indian

customers. It has been recognized as Indias Best Foreign Bank by the Financial Express E & Y Survey 2010, and also as

Indias Best Small Bank 2010 by Business Today.

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