e-payment user response

People need to Use SCT Debit Card

Reason behind Joining SCT:

·          All member banks are treated equal manner.

·          Opportunity to access ATM & POS throughout Nepal. ATM in India and Bhutan through specified financial institution’s ATMs.

·          Users are provided thermally printed card with ISO standard track information which has high durability and reliability.

·          There is not any hidden cost charges for product and services provided by SCT.

·          Secure transaction in ATM as well as POS machine.

·          Skilled manpower handling each specific task.

·          Securely delivery of requested cards and respective pin mailer to member banks in committed date.

·          Sufficient backup for Hardware and Software resources.

·          Security, Quality and Prompt Services.

·          24x7 hrs services are available which monitored through connectivity of ATM, POS and other device connected on SCT switch.

·          Free training available whenever it is necessary.

·          Immediate response for any query or problems from member banks or SCT users.

Changes in human life style through SCT debit card which can be listed as below:

·          Previously the customer don't have any concern about card services but now most of the customer looks whether there is debit card services are available or not before opening the account in particular banks.

·          ATM/POS/Ecommerce is in the reach of general public of Nepal.

·          People can able to withdraw amount from anywhere and any bank ATM which are in SCT Network.

·          Flow of e-cash increases due to its smooth and secure transaction.

·          Various problems such as health hazard, fake notes issues and paper note life are being solved due to online payment services.

·          Consciousness on using debit cards securely has increased.

Benefit for User:

·          No need to write checks for cash and stand in branch lines.

·          Free from risk of carrying Hard cash.

·          Solve the problem for paying small amount during shopping at departmental stores.

·          Several of diseases that are spread through paper notes or coins can be controlled.

·          Life of Hard cash can be increased.

·          People can easily compare the price of different product while doing online shopping.

·          People will get familiar to use new payment technology available in market.

·          Card holders can do several of banking tasks like cash withdraw, balance query at convenient locations.

·          ATM’s of SCT Network is opened for 24 hours in certain location so that withdraw is possible even in emergency period.

·          Customer can issue nine supplementary cards for single account customers.

Benefits for F.I.

·          F.I. may participant in the SCT Network as an issuer and or Acquirer.

·          It adds the positive marks for F.I. debit cards.

·          Supports cash withdrawals, balance query & pin change.

·          18X7 service available for F.I. and its customers.

·          Connect their customers with their cash deposited in bank account wherever they are.

·          Limited number of teller required to serve customer at office.

·          Increases the number of F.I. customers.

Benefit for Nation

·          Increase the life of physical Money.

·          Easy to tack necessary record.

·          Secure & Healthy Environment

·           

Description of Products/Services:

Debit Card: A debit card issued by a bank which allows bank clients access to their account to withdraw cash or pay for goods and services. At first F.I. order certain number of fresh card as per requirements via SCT. Those fresh cards should be sent as per customer request to SCT.  SCT will personalize those fresh cards and make it SCT debit card. Those finished SCT debit card will again sent to F.I.

Pin mailer: With personalize cards there is pin code provided to customers. Incase customer forget his/her previous pin mailer Repin will generated.

Card Management Software: For the convenient of member, SCT has offered a Card Management Software which is used by member banks to view card transaction and update the card status. Also it has various features that are useful and related to card transactions.

ATM/POS Networking: ATM is computerized machine that permits bank customers to gain access to their accounts with a magnetically encoded plastic card and a code number. ATM connected in SCT network enables the customers to perform several banking operations without the help of a teller, such as to withdraw cash, obtain bank statements, and cash transfers (on testing phase). A point of sale/service (POS) machine is used to conduct retail transactions. SCT user can pay their shopping amount through POS transaction.

POS Cash Advanced: This is pos sale cash advance where customers obtain money from his/her debit card at pos terminal. In this SCT user have to pay certain charges. It is suitable mainly in remote location where ATM machine not available or not able to install.

SCT MOCO:
FOCUSONE Payment Solutions in collaboration with SmartChoice Technologies (SCT) has launched a new mobile payment system “SCT MoCo”. The technology enables registered users to use their mobile phones to make utility payments and financial transactions. The mobile application is linked to a SCT Debit card. The system makes use of existing telecoms, banks and merchant's ecosystems so that use of the service is as easy as having one more plastic card or a wallet in one’s pocket.
SCT MoCo users can make payments of any sort such as purchase payments, utility payments and online payments through their mobile phones. All payments can be made ON-SITE or OFF-SITE that will be revolutionary to any time of payments made in Nepal so far.

Benefits of MoCo are:
·          MoCo extends SCT plastic cards to mobile, enabling financial transactions via mobile phones.
·          A hassle free sign up process. If you have a smart phone (Android/iPhone), data connectivity and SCT card, you can start using MoCo in just a few minutes.
·          Regulatory approved 2 factor authentications: MoCo password + SCT card PIN.
·          Uses secure communication channel via data. Doesn't use insecure SMS, IVR, or USSD.
·          SCT card information is never revealed to third-party (merchants).
·          Capability of linking more than one SCT card to a specific account.

SCT nPay :
SCT nPay is a new and innovative service launched by nPay in collaboration with SCT, Nepal’s no. 1 and widely used ATM and Merchant Network, for its card holders to do online payment transactions.
SCT nPay allows merchants/sellers to accept online payment for their services through SCT cards. After signing a Merchant Agreement with nPay, merchant will need to integrate their website with nPay's gateway. After merchant customers’ checkout from the website, they enter Card Number and PIN on nPay secure payment page. When the payment is completed, npay will send  an email notification to the registered email address.
SCT nPay accepts only SCT cards. It supports only Nepalese Rupees (NRs). SCT nPay gateway is hosted in one of the highly secured data center with 256 bit SSL Encryption certificate. nPay supports physical/electronic goods and services which are not prohibited/restricted by government rules and regulations.

 Benefits of nPay:
 SCT nPay has following benefits: it is simple, fast and secured way of payment
·         Simple: SCT nPay interface is developed for non expert users, any one with little computer knowledge can use our service, Also we provide secure tracking of transactions.
·         Fast: Fund transfer has been always a great problem and tedious job for any customers who want to shop online. We are here to solve your problems. You just need SCT card number and your card pin number.
·         Secured: nPay uses multiple layers of security, including fraud-monitoring systems and encrypted tokens using SHA256 hash algorithms to help keep payment information safe.


Why to Use SCT debit Cards:
·          Easy to get from any member Banks
·          Lower Cost
·          Secure (both card and pin required in any kind of transactions)
·          Can be use for Online Payment Solutions. No money need to store in Application vault.

Drawback of storing amount in Application Vault:
·          User will lose Interest of that vault Amount.
·          User can’t retain that amount as hard cash during required time.
·          No legal liability or rules to secure that amount.


नगद राशिलाई ई-भल्ट मा राख्नुका बेफाईदाहरु :
•   प्रयोगकर्ताले  बैंक बाट प्राप्त हुने ब्याजको रकम गुमाउनु पर्ने हुन सक्छ ।
•   प्रयोगकर्ताले आवश्यक समयमा नगद भौतिक रुपमा पुन प्राप्त गर्न असमर्थ वा पुन प्राप्त गर्नका लागी केहि मुल्य चुकाउनु पर्ने साथै धेरै प्रकृया तथा समय खर्चिनु पर्ने हुन सक्छ ।
•   ई-भल्टमा राखेको रकमलाई कानुनी संरक्षण तथा नियमले नबाधेको हुन सक्छ, कुनै कारणले सो रकम हराएमा पुन प्राप्त गर्ने कानुनी आधार नहुन सक्छ ।


त्यसैले यस्तो सेवा लिदा बिचार पुराएर मात्र लिनु पर्छ जसले आफ्नो बैंक मा भएको रकमलाई करोबार गर्ने बेलामा मात्र बैंक को खाताबाट घटाओस् ।

Some Article on SCT Network

Follow @nepalithito82 :  ..SCT Network
Article 1: What is SCT Network and its importance for Nepali Market?

Section 1: Executive Summary

In this time many F.I. are connected with payment network to provide their customer with debit card as well as online payment services. SCT is also offering above services as well as in various other new payment technologies and services are on testing phase. SCT is one of the first payment service in Nepal which has currently more than 82 F.I.’s, 1150+ ATM’s, 2000+ POS and more than 1.6 Million customers base. These data’s shows the popularity, reliability and security of SCT Network services. SCT Network has covered almost 75 districts of Nepal. SCT users also can withdraw amount from India and Bhutan via specified F.I. ATM’s in reasonable charge. Joining SCT will increase the F.I. reputations and allows their customer to use all payment products & services available in SCT with reasonable charges.  SCT has never charged hidden cost for its member. Our charges are fully described in agreement papers and if any additional service launched it will first confirm than add product and services with respective charge.

Section 2: Introduction of SCT Network

2.1 About SCT:

SCT network is a national payment technological company that enables consumers, business, financial institutions and government to use electronic payment instead of cash and cheques. With the believes to provide payment solution throughout Nepal SCT has establish in 2001 A.D. With self deployed 28 ATM’s, and very few F.I. it has started it services which reaches to 1150 plus ATM’s , 2000 plus POS machine and customer base are more than 1.6 millions.

2.2 Objectives:

More than 80% people are far away from using modern payment solutions SCT has been organizing several events and programs to aware those people who are still away from the benefit for using such modern payment technologies which are available in local market. SCT also spending more than 5% of his profit income is social welfare programs. SCT doesn’t only sales its products and services but also provides full time support for its members and users. It also suggests several of useful strategies for increasing F.I. customer’s base by using SCT products and services. SCT believes in providing secure, quality and satisfactory services in reasonable price, is only the key of success.

2.3 Mission and Vision:

It has Implement various modern payment technologies and services in SCT network to provide its users with international standard product and services within in Nepal. It has mission to make SCT network to be recognized globally by extending it services it services throughout world. For this it has been communicating with various country service providers to acquire SCT within their network.

Section 3: Why to Join SCT?

The national card payment system SCT is one of the largest and best known networks for electronic payments in Nepal. It has connected all SCT card members, F.I. and Sales Merchants. Currently there are more than 1.6 million SCT debit card issued by 80 leading F.I. from Nepal and two F.I.’s from Bhutan.

The numbers of SCT card members are increasing everyday which shows that SCT card members recognized multifold benefits of joining the SCT Network. Therefore, joining the SCT Network may be your best business decision that enables your customers to use the benefits of paying by SCT debit cards at your own sales establishment or a web shop through utility payment options in SCT MoCo & nPay.

Benefit for Customers:

·        No need to write checks for cash and stand in branch lines.

·        Free from risk of carrying Hard cash.

·        Solve the problem for paying small amount during shopping at departmental stores.

·        Several of diseases that are spread through paper notes or coins can be controlled.

·        Life of Hard cash can be increased.

·        People can easily compare the price of different product while doing online shopping.

·        People will get familiar to use new payment technology available in market.

·        Card holders can do several of banking tasks like cash withdraw, balance query at convenient locations.

·        ATM’s of SCT Network is opened for 24 hours in certain location so that withdraw is possible even in emergency period.

·        Customer can issue nine supplementary cards for single account customers.

Benefit for F.I.

·        F.I. may participant in the SCT Network as an issuer and or Acquirer.

·        It adds the positive marks for F.I. debit cards.

·        Supports cash withdrawals, balance query & pin change.

·        24X7 service available for F.I. and its customers.

·        Connect their customers with their cash deposited in bank account wherever they are.

·        Limited number of teller required to serve customer at office.

·        Increases the number of F.I. customers.

Section 4: Members and other Information’s:

There are 82 numbers of financial institutions in it network among them 23 Nos. of Commercial Banks, 38 Nos. of Development Banks and 49 Nos. of financial institutions. SCT has more than 1150 nos. of ATM, More than 2000 POS machine and customer base are more than 1.6 Millions.

Section 5: Products/Services:

Debit Card: A debit card issued by a bank which allows bank clients access to their account to withdraw cash or pay for goods and services. At first F.I. order certain number of fresh card as per requirements via SCT. Those fresh cards should be sent as per customer request to SCT.  SCT will personalize those fresh cards and make it SCT debit card. Those finished SCT debit card will again sent to F.I.

Pin mailer: With personalize cards there is pin code provided to customers. Incase customer forget his/her previous pin mailer Repin will generated.

Card Management Software: For the convenient of member, SCT has offered a Card Management Software which is used by member banks to view card transaction and update the card status. Also it has various features that are useful and related to card transactions.

ATM/POS Networking: ATM is computerized machine that permits bank customers to gain access to their accounts with a magnetically encoded plastic card and a code number. ATM connected in SCT network enables the customers to perform several banking operations without the help of a teller, such as to withdraw cash, obtain bank statements, and cash transfers (on testing phase). A point of sale/service (POS) machine is used to conduct retail transactions. SCT user can pay their shopping amount through POS transaction.

POS Cash Advanced: This is pos sale cash advance where customers obtain money from his/her debit card at pos terminal. In this SCT user have to pay certain charges. It is suitable mainly in remote location where ATM machine not available or not able to install.

eCommerce (Utility payments): SCT user can do online shopping and pay through SCT debit cards with reasonable charge. For more details customer need to visits
SCT-MoCo & SCT- nPay sites.

·        Some of services are which are on testing phase in SCT are Inter Bank Fund Transfer Services and Mobile Pay solutions and will planning to implement in SCT very soon.

 

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Article 2: What is the importance of SCT Network in Nepal

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Section 1: Executive Summary

This is the age of modern payment technology. Various traditional payment options seem to be expensive, slower and unsafe to carry. So, to overcome such problems SCT has implemented Nepal’s first payment network.

Currently, there are more than 82 Financial Institutions which are connected in its network. It has offered its services not only within Nepal but also in Bhutan as well. SCT users also can withdraw amount from India through specified bank ATMs. Various services like debit card, eCommerce (Utility payment), ATM/POS network, POS cash advanced are currently running through SCT and research and testing is going on other advanced technology like IBFT (Inter bank fund transfer). Similarly, mobile payment is still on the way to get launched through SCT Network.

SCT has always focused on secured transaction for its customer. So, pin code option even for POS transactions is applied by SCT. Mandatory pin change option is another way to make transactions secured.

SCT has separated various departments who are responsible for specific tasks so that quality service is maintained. SCT is not taking hidden cost from its members and charged only for what we serve. SCT has never compromised for security and quality. Organizing free training as per member banks request or necessity makes good working environment between SCT and its members.

Section 2: Introduction of SCT

With a view to providing national payment technological service, Smart Choice Technologies was incorporated in 2001. It was a first national payment technological company which was established in Nepal.

The company has been heavily investing in providing the service effectively. Under a professional technical and management team, the company has established itself as an emerging key player. Today, the company is recognized as an innovative and progressive service provider in a technical field.

2.1 Before SCT Network Established:

Before, there were only 15 commercial banks in Nepal which were providing banking services. People used to keep money in bank for security and earning interest from those deposited amount. Cheques were only one medium through which the deposited money could be withdrawn from particular branch where he/she has opened their account. By then, people used to carry physical cash due to which they had to face different problems. Sometimes they even had to face physical disaster. Similarly, before SCT was introduced in Nepalese Market there were only 100-150 POS Machine (acquired by Himalayan, Nabil & Greenlays and Alpine) and 4 ATM (Acquired by Himalayan Bank).

2.2 After SCT was established on 2001:

When SCT was introduced there were not any National payment switches in Nepalese market. As the concept was totally new and outsourced, there were very few banks that joined SCT. However, Himalayan bank was a first bank to join SCT. SCT has deployed 28 ATMs itself to create market for such debit card services. In those ATMs cash management was done by particular member bank. About 200 POS machines were deployed in the Nepali market through its member banks.

Section 3: Why to Join SCT?

SCT is a huge payment network of Nepal with 850+ ATMs, 1500+ Pos machine in its network within Nepal. Also it has provided option to withdraw amount from India and Bhutan with specified financial institutions ATMs. It offers various services like Debit card services, ATM/POS Networking, POS Cash Advanced, SCT-MoCo, SCT-nPay which are the primary services of SCT Network. In upcoming services, there are Inter Bank Fund Transfer (IBFT) Services, Mobile-payment solutions.

·        All member banks are treated equal manner.

·        Opportunity to access ATM & POS throughout Nepal. ATM in India and Bhutan through specified financial institution’s ATMs.

·        Users are provided thermally printed card with ISO standard track information which has high durability and reliability.

·        There is not any hidden cost charges for product and services provided by SCT.

·        Secure transaction in ATM as well as POS machine.

·        Skilled manpower handling each specific task.

·        Securely delivery of requested cards and respective pin mailer to member banks in committed date.

·        Sufficient backup for Hardware and Software resources.

·        Security, Quality and Prompt Services.

·        24x7 hrs services are available which monitored through connectivity of ATM, POS and other device connected on SCT switch.

·        Free training available whenever it is necessary.

·        Immediate response for any query or problems from member banks or SCT users.

Section 4: Members, No. of ATM, POS & SCT Customer Base:

4.1 Current Status (2001 - 2013) of SCT Network in Nepalese market:

·        1150+ ATMs

·        2000+ POS

·        SCT Users- More 1.6 Million

4.2 Current Member Banks of SCT Network:

·        Commercial Banks: 23 Nos.

·        Development Banks: 38 Nos.

·        Financial Institutions: 49 Nos.

Section 5: Products/Services:

5.1 Products:

·        Debit Card: Fresh Card, Name Printed Card, Instant Card

·        Pin mailer: Respective Card Pin Mailer, or Repin if necessary.

·        Card Management Software: It is used by member banks to view card transaction and to update the card status. Also it has various features that are useful and related to card transactions.

·        ATM/POS machine can be provided to member banks as per requirement of member banks.

5.2 Services:

5.2.1 Current Services:

·        Debit card services

·        ATM/POS Networking

·        POS Cash Advanced

·        SCT MoCo & SCT nPay
  

5.2.2 Upcoming Services:

·        Inter Bank Fund Transfer (IBFT) Services

·        Mobile-payment solutions.

5.2.3 Product Training for sales associates:

 

     SCT offer the training related to SCT products as per requirement or request from member banks without any charges through various departments HOD or skilled SCT employee.

 

Ten years successful journey by SCT Network

Ten years successful journey by SCT Network

Before SCT Network Established:

There were only 15 commercial banks in Nepal which are providing banking services. People used to keep money in bank for security and earning interest from those deposit amounts. After depositing those amount in bank provided cheque is only one medium to withdraw those deposited amount and only from particular branch where he/she has opened account. While travelling one place to another place people mostly carry physical cash due to which they have to face different problems and sometimes they face physical disaster. In Nepalese Market there only 100-150 POS Machine (acquired by Himalayan, Nabil & Greenlays and Alpine) and 4 ATM (Acquired by Himalayan Bank).

After SCT was established on 2001:

When SCT was entered in the Nepali market there weren't any National payment switch in Nepalese market. As the concept was totally new and outsourcing concept was not in Nepali market so many banks feels first hesitate to join SCT Network. However SCT never keep it step backs to aware those financial institute. Himalayan bank was a first bank to join SCT after than other banks also joined SCT Network. SCT has deployed 28 ATMs itself to create market for such debit card services in those ATMs cash management was done by particular member bank. About 200 POS machine were deployed in the Nepali market through its member banks.

Current Status (2001 - 2010) of SCT Network in Nepalese market:

ATM- 850+ POS-1500+ SCT Users- 11 Lakhs

Member Banks of SCT Network (upto 1 Jan 2011):

• Commercial Banks: 24 Nos

• Development Banks & Financial Institutions: 48 Nos.

Current Services provided by SCT:

Debit card services, ATM/POS Networking, POS Cash Advanced, Ecommerce are the primary services of SCT Network,

Upcoming Services:

Inter Bank Fund Transfer (IBFT) Services and other payment solutions.

Changes in human behavior:

We have found lot of changes in human life style through SCT debit card which can be listed as below:

o Previously the customer don't have any concern about card services but now most of the customer looks whether there is debit card services are available or not before opening the account in particular banks.

o ATM/POS/Ecommerce is in the reach of general public of Nepal.

o People can able to withdraw amount from anywhere and any bank ATM which are in SCT Network.

o Flow of e-cash increases due to its smooth and secure transaction.

o Various problems such as health hazard, fake notes issues and paper note life are being solved due to online payment services.

o Consciousness on using debit cards securely has increased.

At last we would like to give best wishes for more successful journey of SCT Network Nepal as well as throughout the world.

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Role of Debit Card

नेपालको विकसमा डेबिट कार्डको भूमिका:

हामीहरुले आज भोली बिभिन्न पत्र पत्रीकामा धेरै बैंकहरुको सुबिधा बारेमा ठुलठुला बिज्ञापन पढेका सुनेका छौ । अनेक सुबिधामध्य डेबिट कार्डको सुबिधा पनि एक अनिवार्य सुबिधाको रुपमा बनेको छ । धेरै जस्तो ग्राहकहरु यस्तो सुबिधा प्रयोग बारे अनबिज्ञ भए पनि बैंकमा खाता खोल्ने बित्तिकै डेबिट कार्ड लिन आतुर भएको पाइन्छ तर यस बारेमा राम्ररी बुझ्न केहि समय खर्चिएको पाइदैन जसका कारण डेबिट कार्ड र पिन मेलर हराउने वा पिन कोड अरुलाई सहजै भन्ने गर्दा डेबिट कार्डबाट रकम चोरिको घटनामा बृद्धि हुने गरेको छ । बिज्ञान जान्नेलाई बरदान हो भने नजान्नेलाई अभिषाप पनि हुन सक्तछ । तसर्थ नयाँ प्रबिधिको प्रयोग पूर्व यस बारे सकेको कुरा जान्नु जरुरी हुन्छ ।

डेबिट कार्ड भनेको के हो ? 

 डेबिट कार्ड भन्नाले यस्तो प्लास्टिक वा चिप कार्ड हो जसलाई एटिएम वा पस मसिनमा प्रयोग गर्नसाथ सम्बन्धित व्यक्तिको बैंकको खाताबाट रकम घट्छ र तेती नै रकम एटिएम बाट बहिर निस्कन्छ अथवा पस मसिनबाट समान किनेको मुल्य तिर्न सकिन्छ । यस्ता कार्डहरु पिन बेस वा हस्ताक्षर बेस हुन्छन् जस मध्य हस्ताक्षर बेस कार्ड धेरै सुरक्षित मनिन्छन् किन भने हस्ताक्षर बेस कार्ड प्रयोग गर्दा उक्त हस्ताक्षर भेरीफाई गर्ने व्यक्ती बैंकमा भएका जस्तो भेरीफाई गर्नमा पोख्त हुँदैनन् र यदी यस्तो कार्ड हरायो भने त्यो कार्डबाट अन्य व्यक्तिले पनि त्यो कार्डबाट आफुले किनेको समानको भुक्तनी गर्न सक्छ । पिन बेस कार्डहरुमा आजभोलि आफ्नो पहिलो प्रयोगमा पिन कोड फेर्नु पर्ने अनिवार्यता भएको हुनाले यस्तो कार्ड अझै धेरै सुरक्षित भएको छ । डेबिट कार्डको अग्रीम भागमा उक्त कार्ड प्रयोग कर्ताको नाम, कार्ड नम्बर, समाप्त हुने मिती लेखेको हुन्छ जुन कुरा सबैले सहजै पढ्न सक्छन् तर कार्डको पछाडिको कालो भागमा भएको सुरक्षित डाटाहरु एटिएम मसिन , पस मसिन वा अन्य उपकरणहरुले मात्र पढ्न सक्छ ।

पिन कोड भनेको के हो ?
पिन कोड भन्नाले डेबिट कार्ड प्रयोग कर्ताले एटिएम,पस मसिन्(पिन इनेबल भएको) वा अन्य पेमेन्ट टेक्नोलोजिमा डेबिट कार्ड प्रयोग गर्दा प्रयोग कर्ता भेरीफाई गर्ने चार अंकको कोड हो जसलाई सिक्युरिटी मसिनले बनाएर पिन मेलेरमा प्रीन्ट गरेको हुन्छ । यस्तो कोड पाउने बित्तिकै फेर्नु जरुरी मनिन्छ जसले कार्डलाई अझ बढी सुरक्षित बनाउन सहयोग गर्दछ । पिन कोडलाई कसैलाई पनि भन्नु उपयुक्त मनिदैन ।

पिन कोड फेर्ने तरिका:

 १) सर्वप्रथम आफुले प्रयोग गर्ने कार्ड कुन एटिएम मा प्रयोग गर्दा पिन कोड फेर्न सकिन्छ तेस बारे जानकारी लिने र सोही एटिएम मा जाने । २) कार्ड एटिएम मसिनमा छिराउने र चार अंकको पिन कोड थिच्ने । ३) पिन कोड सही भएमा धेरै बिकल्प आउछ जसमध्य पिन कोड परिवर्तन गर्ने बिकल्प रोज्ने । ४) पिन कोड परिवर्तन गर्ने बिकल्प रोजे पछी नयाँ चार अंकको पिन कोड थिच्ने र फेरी पहिले थिचेको चार अंकको पिन कोड थिच्नुपर्छ । यदी हामीले थिचेको पिन कोड सही भएमा पिन कोड परिवर्तन सफलतापुर्वक भयो भन्ने सन्देश आउछ नत्र त्रुटी भएको सन्देश दिन्छ र सबै प्रकृया पुन गर्नुपर्छ । 

डेबिट कार्डलाई एटिएम मसिनमा चलाउने तरिका :

 १) सर्वप्रथम आफुले प्रयोग गर्ने कार्ड कुन एटिएम मा प्रयोग गर्दा पिन कोड फेर्न सकिन्छ तेस बारे जानकारी लिने र सोही एटिएम मा जाने । २) कार्ड एटिएम मसिनमा छिराउने र चार अंकको पिन कोड थिच्ने । ३) पिन कोड सही भएमा धेरै बिकल्प आउछ जसमध्य Cash withdraw/Fash Cash बिकल्प रोज्ने । ४) Cash Withdraw विकल्पमा चहिएको रकम टाईप गर्नुपर्छ तर Fast Cash विकल्पमा स्क्रीनमा देखाएको रकम मध्य चहिएको रकम छाने पुग्छ । ५) यदी हामीले थिचेको पिन कोड सही भएमा, हाम्रो बैंकको खातामा प्रयाप्त रकम भएमा तथा एटिएम, पेमेन्ट switch र बैंक Host मा कुनै समस्या नभए सफलतापुर्वक रकम प्राप्त हुन्छ नत्र त्रुटी भएको सन्देश दिन्छ र सबै प्रकृया पुन गर्नुपर्छ ।

डेबिट कार्डलाई पस मसिन तरिका : 

१) सर्वप्रथम आफुले प्रयोग गर्ने कार्ड कुन पस मसिनमा प्रयोग गर्न सकिन्छ तेस बारे जानकारी लिने र सोही पस मसिनमा कार्ड स्वायप गर्ने, भुक्तान गर्ने रकम थिच्ने र चार अंकको पिन कोड थिच्ने । २) यदी हामीले थिचेको पिन कोड सही भएमा, हाम्रो बैंकको खातामा प्रयाप्त रकम भएमा तथा एटिएम, पेमेन्ट Switch र बैंक Host मा कुनै समस्या नभए सफलतापुर्वक बिल Print हुन्छ नत्र त्रुटी भएको सन्देश दिन्छ र सबै प्रकृया पुन गर्नुपर्छ । 

अनलाईन सेवा :

नेपालमा प्राय धेरै अनलाईन सेवा दिने संस्थानहरु प्रख्यात छन् जसमध्य eSewa अनलाईन प्रीपेड सर्विस हो भने SCT- MoCo र SCT- nPay अनलाईन पेमेन्ट गेट्वे हो । MoCo र nPay बाट अनलाईन पेमेन्ट गर्दा पिन कोड किबोर्डको सहायताले इन्टर गर्नुपर्छ र यो Two Factor Authentication Device हो जुन अन्त-राष्ट्रीय सुरक्षा प्रणली स्तरको मानिन्छ ।
SCT- nPay
SCT- MoCo

Nepal Electronic Payment Systems Limited (NEPS)
a joint endeavor of financial institutions to have a single platform to fulfill the entire electronic payment needs of the institutions, has now launched its SmartVista Solution.

NEPS has partnered with BPC Banking Technologies (Asia Pacific) Pte. Ltd., Singapore for the installation of their SmartVista Suite of solutions as the core software to provide solution to its member.  The solution encompasses Debit Card, Credit Card, Pre-paid Card, Lifecycle Management System, Merchant Management System, ATM Management System, Cellular and Internet Banking Interface, Fraud Management, Loyalty Program Management and Payment Processing and Switching System as well as various other solutions for electronic payment needs of the banks in EMV environment.

The solution provided by NEPS is hosted in a multi-institution environment and has the capability to service the entire financial institutions of Nepal. Currently four banks;  Sunrise Bank Limited, Janata Bank Limited, Machhapuchchhre Bank Limited and Citizens Bank International Limited are already processing  their card transactions through NEPS and remaining member banks will be migrated to the NEPS system within three months. Other interested organizations are welcomed to Join NEPS and be integrated the system as per their schedule and requirements.

LLB 3rd Year Company Law Questions

Company & Corporation Law (524), 2073

Times: 1.5 Hrs

Full Marks: 50

Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.

Attempt any THREE questions.

1. What are the documents required for incorporating private company? Is there any difference from the documents to be filed for a public company> Discuss.

2. What do you understand by initial offer of shares? How can you differentiate right issue and initial offer of shares?

3. If the private company needs not bold general meeting how will pass resolutions required to be passed only by the general meeting under the companies Act, 2063? Examine.

4. Examine the decision of the Supreme Court in Piyash Raj Pandey Vs. Tax office, Kathmandu, NKP, 2040/901 by outlining the facts and issue.

5. Write short notes on any Three of the followings:

a) Ultra Vires

b) Constructive notice

c) Prospectus of a company

d) Debenture trustee

e) Foreign company

Company & Corporation Law (524), 2072

Times: 1.5 Hrs

Full Marks: 50

Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.

Attempt any THREE questions.

1. What are the documents required for incorporating a public company? Are the documents required for the incorporation of a private company of the same nature or different? Discuss.

2. What is allotment of shares? When shares are considered as irregular allotment and what are its effects?

3. What is quorum? Explain the requirements of quorum for general meeting of a public company. Discuss the consequences of the absence of a quorum at a meeting.

4. Examine the decision of the Supreme Court in Tarini Prasad Adhikari Vs. G.M. Surya Bahadur, NKP 2065/1093 by outlining the facts and issues.

5. Write short notes on any Three of the followings:

a) Transfer a shares and transmission of shares

b) “Floating charge” and “fixing charge”

c) Company Secretary

d) Liquidator of a company 

e) Pre-incorporation contracts

Company & Corporation Law (524), 2070

Times: 1.5 Hrs

Full Marks: 50

Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.

Attempt any THREE questions.

1. State the nature of corporate personality of a company. State in what cases veil of corporate personality can be lifted by the courts.

2. Define a share. Discuss various kinds of shares and their respective rights of the shareholders comparing them with debenture holders.

3. Comment on the ratio enunciated by The Supreme Court in Bhuminanda Sharma Dawadi vs. Government case by highlighting the contribution made by it in the development of company law in Nepal.

4. What do you understand by corporate social responsibility? Do you consider to observe these responsibilities?

5. Write short notes on any Three of the followings:

a) Workers’ participation in management

b) Foreign companies

c) Memorandum of Association of a company

d) Company meeting

e) Company not distributing profit


Company & Corporation Law (524), 2069
Times: 1.5 Hrs
Full Marks: 50
Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.
Attempt any THREE questions.
1. A company is however a person in the eye of law. Can a company claim the protection of such fundamental rights as are guaranteed to all persons? Examine this statement.
2. Examine the scope of workers’ participation in management with reference to company law of Nepal.
3. Comment on the ratio enunciated by The supreme court in Prakash Bahadur Singh Vs. Nepal Match Company case by highlighting the contribution made by it in the development of company law in Nepal.
4. What do you understand by a company meeting? Show the difference between annual general meeting and extra-ordinary general meeting with reference to company law of Nepal?
5. Write short notes on any Three of the followings:
a) Promoters of a company
b) Debentures of a company
c) Private and public company
d) Corporate liability
e) Company not distributing profit


Company & Corporation Law (524), 2068
Times: 1.5 Hrs
Full Marks: 50
Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.
Attempt any THREE questions.
1. “Directors are the mere trustees and agents of the company. Examine this proposition in the light of legal position of directors under The companies Act, 2063 of Nepal.
2. Discuss the concept of incorporation of a company. Explain the features of incorporation of a company.
3. Comment on the ratio enunciated by the Supreme Court in Khem Chandra Chaurasia Vs. Department of Industries (NKP 2065/507) case by highlighting the contribution made by it in the development of company law in Nepal.
4. What do you understand by pre-incorporation contract? State the validity of pre-incorporation contract in Nepal according to The Nepalese Companies Act, 2063.
5. Write short notes on any Three of the followings:
a) Company Secretary
b) “Doctrine of Ultra Vires”
c) Debentures
d) Prospectus of a company
e) Single member Company