This comprehensive guide is updated up to 2024 and was developed under the author’s direction with the assistance of generative AI tools, including ChatGPT and Claude, which were used to draft and synthesize explanatory content. The book explores the banking and payment systems in India, tracing their evolution from historical roots to the present financial landscape. It explains core banking services, traditional and digital payment mechanisms, the role of technology, and the interlinkages between banks and payment and settlement systems.
The book is intended for students, professionals, and general readers. All content has been reviewed, verified, and finalized by the author for accuracy as of late 2024.
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Battula Vijay Kiran, Prof. A. Narasimha Rao
Battula Vijay Kiran, M. Tech (Systems & Signal Processing), M.B.A. (Banking & Financial Services), is a Research Scholar at the Department of Commerce and Management Studies (DCMS), College of Arts & Commerce, Andhra University. His research area includes Payment and Settlement Systems (PSS) and the broader implications of banking sector participation on economic growth.
Prof. A. Narasimha Rao, M.Com., M.B.A., Ph.D., FCMA, is the Principal of the College of Arts & Commerce and a Professor in the Department of Commerce and Management Studies (DCMS) at Andhra University. He has extensive expertise in Finance and Accounting, with a strong academic background and a track record of significant contributions to research and scholarship in these areas. He has mentored many research scholars and has a wide range of publications to his credit.
