INDEX

Chapter 8 : Digital Financial Tools and Applications

8.0 Introduction to Digital Financial Tools and Applications

8.1 Digital Financial Tools

• 8.1.1 Meaning of Digital Financial Tools
• 8.1.2 Features of Digital Financial Tools
• 8.1.3 Uses of Digital Financial Tools
• 8.1.4 Advantages and Limitations
• 8.1.5 Safety and Security in Digital Payments

8.2 OTP and QR Code

• 8.2.1 OTP — One Time Password
• 8.2.2 Features and Uses of OTP
• 8.2.3 QR Code — Quick Response Code
• 8.2.4 Types and Uses of QR Code
• 8.2.5 OTP and QR Code in Digital Payments

8.3 UPI

• 8.3.1 UPI — Unified Payments Interface
• 8.3.2 Features of UPI
• 8.3.3 UPI ID and UPI PIN
• 8.3.4 UPI Payment Process
• 8.3.5 Uses of UPI

8.4 AEPS

• 8.4.1 AEPS — Aadhaar Enabled Payment System
• 8.4.2 Features of AEPS
• 8.4.3 AEPS Transactions
• 8.4.4 Uses of AEPS
• 8.4.5 Advantages of AEPS

8.5 USSD

• 8.5.1 USSD — Unstructured Supplementary Service Data
• 8.5.2 Features of USSD
• 8.5.3 USSD Banking
• 8.5.4 Uses of USSD
• 8.5.5 Advantages and Limitations

8.6 Debit Card and Credit Card

• 8.6.1 Debit Card
• 8.6.2 Credit Card
• 8.6.3 Difference Between Debit Card and Credit Card
• 8.6.4 Uses of Cards
• 8.6.5 Card Security and Safety

8.7 e-Wallet

• 8.7.1 Introduction to e-Wallet
• 8.7.2 Features of e-Wallet
• 8.7.3 Uses of e-Wallet
• 8.7.4 Advantages and Limitations
• 8.7.5 Safety of e-Wallet

8.8 PoS

• 8.8.1 PoS — Point of Sale
• 8.8.2 Features of PoS
• 8.8.3 Working of PoS
• 8.8.4 Uses of PoS
• 8.8.5 PoS and Digital Payments

8.9 Internet Banking

• 8.9.1 Introduction to Internet Banking
• 8.9.2 Features of Internet Banking
• 8.9.3 Uses of Internet Banking
• 8.9.4 Online Fund Transfer
• 8.9.5 Internet Banking Security

8.10 NEFT

• 8.10.1 NEFT — National Electronic Fund Transfer
• 8.10.2 Features of NEFT
• 8.10.3 Uses of NEFT
• 8.10.4 NEFT Transaction

8.11 RTGS

• 8.11.1 RTGS — Real Time Gross Settlement
• 8.11.2 Features of RTGS
• 8.11.3 Uses of RTGS
• 8.11.4 RTGS Transaction

8.12 IMPS

• 8.12.1 IMPS — Immediate Payment Service
• 8.12.2 Features of IMPS
• 8.12.3 Uses of IMPS
• 8.12.4 IMPS Transaction

8.13 Online Bill Payment

• 8.13.1 Introduction to Online Bill Payment
• 8.13.2 Electricity Bill Payment
• 8.13.3 Water Bill Payment
• 8.13.4 Telephone and Mobile Bill Payment
• 8.13.5 Gas Bill Payment
• 8.13.6 Other Online Payments

8.14 NEFT, RTGS, IMPS and UPI — Comparison

8.15 Digital Payment Security

• 8.15.1 Importance of Digital Payment Security
• 8.15.2 OTP Safety
• 8.15.3 UPI PIN Safety
• 8.15.4 Debit/Credit Card Safety
• 8.15.5 QR Code Payment Safety
• 8.15.6 Common Digital Payment Frauds
• 8.15.7 Safe Digital Payment Practices

8.16 Important Digital Financial Terms