Mobile banking will help achieve financial inclusion'

April 18, 2012

Mangalore, April 18: Mobile banking is the only vehicle that will help banks in the financial inclusion drive, Srikant Katti, Deputy General Manager, State Bank of India (SBI), has said.

He was speaking on “IT and banking: Challenges and prospects” as part of the national conference on “Information technology and its implications on the banking sector (NCITIBS 2012): challenges and prospects” organised by the Department of Postgraduate Studies in Commerce, University College, Mangalore, on Tuesday.

Mobile banking is the way forward because of its simplicity and it is up to banks to leverage it. It allows a person to carry his bank with himself.

Financial inclusion is a great opportunity to reach out to the underserved markets in rural and semi-urban areas.

It offers a big potential for business growth. Banks could use a judicious combination of technologies such as smartcards and mobile ATMs.

Another opportunity for banks to use technology is in e-governance. Everything in government is being digitised, with payments done through banks, and the sheer volumes involved will require IT, he said.

Cyber security is the biggest challenge to IT in banks. Increasing volumes of data in smaller storage space, higher costs and compliance regulations, maintaining data integrity and consolidating data from disparate systems are the other challenges.

“The last six to seven years have been a watershed in the banking technology vertical,” he said. In hindsight, it is difficult to believe that bank trade unions resisted computerisation two decades ago because banks today use the most complex technology.

Repetitive work and sheer volume make technology useful in banking industry. Banks can leverage social networking and micro-blogging sites to refine their products, get publicity and for feedback from customers.

Cloud computing is another technology that could be used but banks are hesitant about using it as they are sceptical about data security. But it may be considered after addressing the security issues, he said.

The core banking solution (CBS) has worked well with all data residing on it. It has successfully integrated ATMs, Net-banking, mobilephone banking, point-of-sale banking and rural banking. SBI has the biggest CBS platform with 17,000 branches networked on it. Now, regional rural banks are getting into the fold of CBS, he said.

N.K. Thingalaya, former Chairman and Managing Director of SyndicateBank, said that when he visited Barabanki in Uttar Pradesh, more people had mobile phones than bank accounts. He said the future of banking lay in that particular model because financial inclusion cannot be done from urban areas. Other than the capacity and willingness to save, there should also be the facility to save, he said.

B.R. Ananthan, Vice-Chancellor, Rani Channamma University, Belagavi, in his keynote address, said that IT should be taken to rural areas.

T.C. Shivashankara Murthy, Vice-Chancellor, Mangalore University, released a CD with excerpts from 100 papers presented on IT in banks.

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News Network
February 5,2026

In an era where digital distractions are the primary rival to academic excellence, the Karnataka Education Department is taking the fight directly to the living room. As the SSLC (Class 10) annual examinations loom, officials have launched a localized "digital strike" to ensure students aren't losing their competitive edge to scrolling or soap operas.

The 7-to-9 Lockdown

The department has issued a formal directive urging—and in some cases, enforcing via home visits—a total blackout of mobile phones and television sets between 7:00 PM and 9:00 PM. This two-hour window is being designated as "sacred study time" across the state until the examinations conclude on April 2.

Key Pillars of the Initiative:

•    Doorstep Advocacy: Teachers are transitioning from classrooms to living rooms, meeting parents to explain the psychological benefits of a distraction-free environment.

•    Parental Accountability: The campaign shifts the burden of discipline from the student to the household, asking parents to lead by example and switch off their own devices.

•    The Timeline: The focus remains sharp on the upcoming exam block, scheduled from March 18 to April 2.

"The objective is simple: uninterrupted focus. We are reclaiming the evening hours for the students, ensuring their environment is as prepared as their minds," stated a senior department official.

Student vs. Reality

While the student community has largely welcomed the "forced focus"—with many admitting they lack the willpower to ignore notifications—the move has sparked a debate on enforceability. Without a "TV Police," the success of this initiative rests entirely on the shoulders of parents and the persuasive power of visiting educators.

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News Network
February 3,2026

Bengaluru: Following reports of fresh Nipah virus (NiV) cases in West Bengal and heightened vigilance across parts of Southeast Asia, the Karnataka Health Department has placed the state on high alert and activated emergency preparedness protocols.

Health officials said enhanced surveillance measures have been initiated after two healthcare workers in Barasat, West Bengal, tested positive for the virus earlier this month. While no cases have been reported in Karnataka so far, authorities said the state’s past exposure to Nipah outbreaks and high inter-state mobility warranted preventive action.

Officials have directed district health teams to intensify monitoring, particularly at hospitals and points of entry, and to ensure early detection and isolation of suspected cases.

High Mortality Virus with Multiple Transmission Routes

Nipah virus is a zoonotic disease that can spread from animals to humans and has a reported fatality rate ranging between 60 and 75 per cent. Fruit bats, also known as flying foxes, are the natural reservoirs of the virus and can transmit it by contaminating food sources with saliva or urine.

Known modes of transmission include:

•    Contaminated food: Consumption of fruits partially eaten by bats or raw date-palm sap
•    Animal contact: Exposure to infected pigs or other animals
•    Human-to-human transmission: Close contact with body fluids of infected persons, particularly in healthcare settings

Symptoms and Disease Progression

The incubation period typically ranges from 4 to 14 days, though delayed onset has also been reported. Early symptoms often resemble common viral infections, making prompt clinical suspicion critical.

•    Initial symptoms: Fever, headache, body aches, fatigue, sore throat
•    Progressive symptoms: Drowsiness, disorientation, altered mental state
•    Severe stage: Seizures, neck stiffness and acute encephalitis, which can rapidly progress to coma

Public Health Advisory

The Health Department has issued precautionary guidelines urging the public to adopt risk-avoidance practices to prevent any local spillover.

Do’s
•    Wash fruits thoroughly before consumption
•    Drink boiled and cooled water
•    Use protective equipment while handling livestock
•    Maintain strict hand hygiene

Don’ts
•    Avoid fruits found on the ground or showing bite marks
•    Do not consume beverages made from raw tree sap, including toddy
•    Avoid areas with dense bat populations
•    Do not handle sick or dead animals

Preparedness Measures

Officials confirmed that isolation wards are being readied in major government hospitals and that medical staff are being sensitised to identify early warning signs.

“There is no cause for panic, but there is a need for heightened vigilance,” a senior health official said, adding that there is currently no approved vaccine or specific antiviral treatment for Nipah, and care remains largely supportive.

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