B.Com. (Banking and Insurance) Banking Technology and Core Banking Systems Syllabus - Mumbai University 2026
This is the Fourth Year BBI Honours with Research syllabus under NEP 2020, in force from the academic year 2026-27. The fourth year is new in 2026-27, and the University runs it as two separate courses: Honours, and Honours with Research.
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Syllabus for Banking Technology and Core Banking Systems
Module I: Introduction to Banking Technology
- Unit 1: Evolution of Banking Technology Transition from manual to digital banking: Understanding historical changes, Role of IT in banking: Improving efficiency and service delivery, Types of banking technologies: ATMs, internet banking, mobile banking ,Challenges in adoption: Infrastructure and digital divide
- Unit 2: Core Banking Systems (CBS) Meaning and features of CBS: Centralized banking operations,, Components of CBS:
- Database, servers, interfaces, Benefits of CBS: Anywhere banking, real-time processing, CBS in India: Implementation in public and private banks
Module II: Digital Banking Infrastructure
- Unit 3: Payment Systems in India UPI system: Structure and working, NEFT, RTGS, IMPS: Features and differences Role of NPCI: Managing payment systems, Digital wallets: Usage and growth
- Unit 4: Electronic Banking Services Internet banking: Functions and services, Mobile banking apps: Features and usage, ATM and kiosk banking: Services provided, Customer adoption issues: Awareness and trust
Module III: FinTech and Innovations
- Unit 5: Introduction to FinTech Meaning and scope of FinTech, Types of FinTech services: Lending, payments, insurance tech Role in financial inclusion , FinTech vs traditional banking
- Unit 6: Emerging Technologies in Banking Artificial Intelligence in banking: Chatbots, fraud detection, Blockchain basics: Secure transactions, Cloud computing: Data storage and services, Digital transformation challenges
Module IV: Security & Risk in Banking Technology
- Unit 7: Cyber Security in Banking Types of cyber threats: Phishing, hacking, Data protection measures: Encryption, firewalls RBI guidelines on security , Customer awareness and safety
- Unit 8: Operational Risks in Technology System failures and downtime risks, Fraud risks in digital banking, Risk management practices, Case studies of banking frauds
Reference Books
- 1 Indian Institute of Banking & Finance – Information Technology in Banking
- 2 Vasant Desai – Banking and Financial Systems
- 3 B. Sanjay – Banking Technology in India
- 4 Dr. K. R. Chandratre – Digital Banking
- 5 IIBF – Principles & Practices of Banking
Reproduced from the University of Mumbai syllabus for B.Com. (Banking & Insurance) under NEP 2020, in force from the academic year 2026-27. Wording is as printed in that syllabus. Module numbering is as printed there too.
The complete syllabus
This subject is cut from the University circular for its year. Open a document here if you want the whole thing rather than a single subject.