Tag: India

The Breeze from Stan Chart (also known as the Standard Chartered Bank) has created a new generation online banking platform that is making waves all over Singapore where it was developed!

Available in both Singapore and Malaysia the Standard Chartered Breeze will be available in Hong Kong and India very soon. From there it will extend its reach to the rest of the world. Prepare for the Breeze experience to breeze its way into your town or city and into your very life!

If you have always found it boring, frustrating, stressful, annoying or inconvenient to do your banking then you are ready for the Breeze experience to come into your life! Breeze is available to customers of the Standard Chartered Bank as an internet application or if you prefer, as an iPhone app. Do no fret over the details concerning the Breeze as it will be available as an iPad app as of September 2010 which is not far away at all!

Keep in mind that the reason most people use banking services offered online and through mobile devices is convenience. For instance, business owners or executives who travel can gain access to business accounts anytime day or night and from any country or individual accountholders could handle a bank transaction while vacation on a tropical island. This means that every feature associated with the Standard Chartered Breeze platform has been carefully designed to meet the customer’s wish.

Breeze offers you the opportunity to customise the icons to make them suit your preferences. It comes with a handy wish list functions to help you plan for the things you want most to save for. The wish list also offers a rainy day feature that prepares you financially for emergencies that could crop up. It is also in plain language and has an intuitive interface that is as customer friendly as it could be. For example, it has a See, Move and Manage Your Money section that makes keeping track of your money and managing it the easiest thing in the world.

If you have just started banking online recently then the introduction of Breeze will improve your banking experience 100 percent. In fact once you start using Breeze you will never want to go back to banking any other way or with any other financial institution.

It cannot be emphasized enough that Breeze was created with the customers and users in mind. It takes your greatest needs in terms of banking and makes them a reality. You will not have to endure any more frustration when you use Breeze by the Standard Chartered Bank.

Breeze has an intuitive user friendly and user savvy interface as well as providing you with the unique ability to customise the icons as you see fit. What other banking application can say as much? Breeze is the bomb and it will be on the market very soon!

Banking has been a very traditional and conservative sector in any country. For ages, generations after generations, have been loyal to a particular bank that their families have been associated with. Whether it is the Royal Bank of Scotland and Lloyds TSB in the UK or American Express and Capital One in the US, people stay loyal to their banking partners.

The banking industry in the west took a huge risk in the last decade by using countries like India, China and the Philippines to outsource their banking and financial services. For banks, it was a step in the right direction to reduce the number of customers walking into their branches, the number of calls taken by banking executives at the branch and reduce the work load on their existing call centres.

They wanted to reduce costs of employing more people to cater to their ever increasing base of customers and provide better services to their customers besides gaining a competitive edge. For customers who have been used to traditional methods of banking such as visiting their nearest branch, were exposed to new and state of the art technologies. IT and IT enabled banking services were the new age success mantra for most banks in Europe and the Americas.

The focus of banks that outsourced parts of their business to other countries was to reduce costs and increase profits. Though their approach was cautious, there were loop holes in their strategy. AMEX was one of the first banks to set shop in India in the late 90s. Theirs was a captive centre. However over the years, more and more BPOs have shown their capability in handling banking and financial services with greater efficiency and effectiveness.

For customers of these banks, the challenge was conquering their fears of a stranger in a distant country having access to their account information and the mistrust in their ability to provide solutions. Besides, there were language and accent issues.

Some customers generally called their banks and surpassed the IVR to speak to an agent as they were not very comfortable dealing with a machine and others demanded speaking to their branch in their own country. Such issues lead to delays in service. This led to dissatisfaction amongst customers and forced many to choose banks that hadnt outsourced their work and catered to their needs from within the country.

Data security was also one the major concerns for banks. More than customers, banks have found themselves living on the edge with account details made accessible to BPOs in other countries. With data theft being a reality in countries like India, China and Japan, it was a proven fact that banking outsourcing wasnt foolproof.

For banks it may result in large law suits and a decrease in their customer base. Banks also had their reputation at stake. The third party vendors may follow practices that may be inconsistent with the policies and practices of the bank. Besides the political, social, legal and physical climate of the outsourcing country may impact banking services.

The Oldest Joint Stock Bank of the Country, Allahabad Bank was founded in April 24th of the year 1865 at the confluence city of Allahabad by a group of Europeans. At that occasion Organized Industry, Trade and Banking started taking shape in India. Thus, the History of the Bank spread over three Centuries – namely Nineteenth, Twentieth and Twenty-First. As a leading public sector commercial banks in India, Allahabad Bank offering banking products and services to corporate and commercial customers and retail customers. The Bank particularly focuses on the retail banking while serving all sectors of the Indian economy. Bank’s operations for corporate and commercial customers cater to large corporate customers as well as to small and middle market businesses and Government entities. Corporate and commercial products include Term Loans, Bill Discounting, Export Credit and other business credit and financing products. Also the bank offers a wide range of retail products including Home Loans, Personal Loans and Automobile Loans as well as Debit Cards. In addition, specialised products and services to the agricultural sector also one of entity of the bank. All the above products and services of the bank offered through extensive branch network, extension counters, ATMs, phone banking and the Internet. This article will be helpful in writing Project Report on Marketing.In Twentieth Century, The Bank became a part of P & O Banking Corporation’s group with a bid price of Rs.436 per share in 1920. The Head Office of the Bank was shifted to Calcutta on business considerations during the year of 1923. The Bank crossed its century year in 1965. In July 19th of the year 1969, Allahabad Bank was nationalized (with 151Branches – Rs.119 crores of Deposits and Rs.82 crores of Advances) along with 13 other banks. United Industrial Bank Ltd was merged with the bank in October of the year1989. The Bank made a foray into merchant banking activity in 1984 and subsequently instituted AllBank Finance Ltd as a wholly owned subsidiary for Merchant Banking in the year of 1991. The Official Language Implementation Committee of Calcutta awarded the Rajbhasha Shield to the Bank as Second Prize for its best performance for the year 1991. During the year 1995, The Bank had entered into an MOU with the Small Industries Development Bank of India (SIDBI) for financing small-scale industrial units. In 1996, The Bank had set up Information Technology Centre to provide in-depth computer training to Officers at Calcutta and Lucknow. Consequent to the SEBI Rules and Regulation the company surrendered its merchant banking registration in 1998 and got it registered as a Non Banking Financial Company (NBFC) with Reserve Bank of India (RBI). In the same year of 1998, the bank had received permission from the RBI for gold trading. Allahabad Bank has entered into an arrangement, informally though, with IDBI and ICICI in regard to funding of infrastructure projects. During the year 1999, Allahabad Bank has launched two new schemes to increase the pace of credit off take and in the same period TATA Consultancy Services (TCS) has entered into a contract with Bank for implementing the Integrated Standard Banking System (ISBS), a branch mechanisation package at 60 branches. The Bank bagged three major core sector clients, namely the National Thermal Power Corporation (NTPC), Power Grid Corporation and Indian Railway Finance Corporation Ltd (IRFC). This report shows that Allahabad Bank has performed well which is reflected in its Ratio Analysis Reports In Twenty-First Century, Allahabad Bank has launched its new personal loan scheme for pensioners in the year of 2001. As at October of the year 2002, the bank came out with Initial Public Offer (IPO) of 10 crores share of face value Rs.10 each, reducing Government shareholding to 71.16% and in the same year 2002, Allahabad has tied up with National Institute of Banking Management, Crisil and Earnst & Young for development of HRM, risk Management and general business strategy. The Bank has seized the commercial assets of the Guarantors of Ramolene Fabrics (P) Ltd in 2003 at Mumbai and signed a Memorandum of Understanding (MoU) with Corporation Bank for mutual sharing of their ATM Network. The Bank has entered into an MOU in the year of 2004 with the Export Credit Guarantee Corporation of India (ECGC) for distribution of their products to the exporters. UTI Mutual Fund and Allahabad Bank on April 5, 2004 announced a strategic tie-up for distribution of UTI MF schemes. During April of the year 2005, the bank made Follow on Public Offer (FPO) of 10 crores equity shares of face value Rs.10 each with a premium of Rs.72, reducing Government shareholding to 55.23%. The Bank has signed MoU with Mahindra Gujarat Tractor Ltd in the identical year 2005 for financing Hindustan brand tractor under special finance scheme. Allahabad Bank transcended beyond the National Boundary, Allahabad bank had opened a representative office at Shenzen, China in June 2006. In October of the same year 2006, the bank rolled out its first branch under Core Banking Services (CBS). During February of the year 2007, The Bank opened its first overseas branch at Hong Kong. During the calendar year of 2007, 100 more branches opened throughout the country, the total number of branches were stirred from 2042 to 2142 of which rural are 983 (46%), semi-urban 402 (19%), urban 450 (21%) and metropolitan 307 (14%). There is no doubt that reading Banking Industry Reports is essential for knowing the history of a bank. Allahabad Bank has opened its 2154th branch in at Pudukkottai, Tamil Nadu during March of the year 2008. The Bank has 211 ATM’s and Card members can now have access at over 16500 ATM’s all across the country under National Financial Switch. One of the premier nationalised banks of the country, Allahabad Bank has commenced the process of implementing the Agricultural Debt Waiver and Debt Relief Scheme-2008 in June of the year 2008. The Bank has improved its performance and established its visibility and strong presence in the market. The Bank is steadily moving at a faster pace to consolidate its position in the coming days introducing extensive computerization to ensure the state-of-the-art service comfort for its customers. The Bank has already in hand 116 authorizations for opening of new branches. Bank’s plan is to expand in areas where the Bank’s presence is not very much visible now and where business potentiality is good.

E-Banking: Impact of Information Technology in India Mr. Vijay Kumbhar [Assit. Professor in Economics, Abasaheb Marathe College, Rajapur Dist- Ratnagiri (Maharashtra)]

Introduction With the advancement of information technology and to derive the inherent advantages of its implementation, there was a long felt need to give recognition to the electronic mean as an alternative to paper based banking practice in India. The evolution of banking technology has been mainly driven by changes in distribution channels as automated teller-machine (ATM), phone-banking, tele-banking, pc-banking and most recently internet banking etc. In the traditional banking system a person had to go to a bank branch to deposit or withdraw money and get a bank statement book manually updated by a teller over the counter. With the introduction of computer networks, a networked printing machine started replacing the manual update of statements. Then automated teller machines (ATMs) were introduced to facilitate withdrawals, deposits and even transfers accommodating mobility in much wider geographical areas. Phone banking was a revolutionary concept in banking since it made banking accessible from anywhere as long as phones were available. With the successful diffusion of mobile phones, phone banking is moving into a next phase of development. However, one of the most substantial changes in banking technology is the recent introduction of internet banking.

1.0 Definition of E-Banking E-banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA), automated teller machine (ATM), kiosk, or Touch Tone telephone. While the risks and controls are similar for the various e-banking access channels, this booklet focuses specifically on Internet-based services due to the Internet’s widely accessible public network.

1.2 Origin of E-banking In India The Indian banking system has undergone significant technological transformation since the 1980s.The Rangarajan Committee report in 1980s was the first step towards computerization of banks. Banks started exploring the idea of ‘Total Bank Automation (TBA)’. Although titled ‘Total Bank Automation,’ TBA was in most cases confined to branch automation. It was only in the early 1990s that banks started thinking about tying-up disparate branches together to facilitate information sharing. At the same time, private banks entered the banking arena with radically different strategies. The private banks provided huge budgets to the adoption of technology to provide a whole new range of financial products and services at minimal costs.

1.3 E-Banking in India Most of Indian commercial banks are providing non-conventional and innovative banking services. Product innovation is tied to internet banking; increasing competition amongst the leading banks also promotes product and service differentiation. For example, despite the Internet Banking System developed in 1990 by the reserve bank of India with the help of department of telecommunication of India. Moreover, Indian banks offer innovative technology based banking products and service to their customers. Information technology revolution affect on traditional banking practice in following manner in India.

1.3.01Computerization of Banks in India Computerization is general trend in all sector, banks also trying to Computerization, as per recommendation of Rangarajan Committee (II), the progress in implementation of the directive of the Central Vigilance Commission (CVC) on the need to computerize 70 per cent of the banking business by public sector banks before January 1, 2006, 13 banks had achieved the desired level. Figures as at end of March 2008 indicated that 23 banks have achieved the target, while two banks have computerisations levels ranging between 70 per cent and 79 per cent and two others were at a level below 65per cent and 29 percent banks having a core banking solution. At present there are 67.7% of branches are under Core Banking Solutions, 94.6% are fully computerized and 6.4% are partially computerized branches of public sector banks in India. Other than public sector banks, all private and foreign banks are mostly computerized recently.

1.3.02Wireless Banking, Online Banking or Internet Banking Wireless banking/ online banking is a delivery channel that can extend the reach and enhance the convenience of Internet banking products and services. Wireless banking occurs when customers access a financial institution’s network using cellular phones, pagers, and personal digital assistants through telecommunication companies’ wireless networks. It uses the Internet as the delivery channel by which to conduct banking activity, e.g. transferring funds, paying bills, viewing checking and savings account balances, paying mortgages, and purchasing financial instruments and certificates of deposit. Online banking usually offers such features as: Bank statements, with the possibility to import data in a personal finance program such as Quicken or Microsoft Money Electronic bill payment Electronic funds transfer between a customer’s own checking and savings accounts, or to another customer’s account Electronically investment purchase or sale of securities by D-Mat Account Loan applications and transactions, such as repayments account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.etc.

1.3.03Core Banking or Centralized Banking Core banking is a term used to describe a service provided by a group of networked bank branches. Bank customers may access their funds from any of the member branch offices. Core banking consists of a networking process by which the servers of different branches of a bank are joined to a common server and henceforth an account holder may access, deposit, and withdraw money from his/her account from any of the branches of the bank. In 21st United States, core banking has become common place. Today 67.7 % of public sector bank branches are all branches of private and foreign banks are under core banking solution in India.

1.3.04Electronic Authentication and Electronic Signature Banks are now using technology for the proper identification of customers’ identity. In the era of technology based banking operation verifying the identities of customers and authorizing e-banking activities are integral parts of e-banking services. Since traditional paper-based and in-person identity authentication methods reduce the speed and efficiency of electronic transactions, financial institutions have adopted alternative authentication methods. The latest option digital (electronic) signatures for generating and identification of customers signature is best option within the electronic banking platform.

1.3.05BANKNET BANKNET is a internet based communication network backbone. It provides speed of financial transaction. At present, seven centers viz. Mumbai, Delhi, Calcutta, Madras, Nagpur, Bangalore and Hyderabad. Set up in 1991 by the RBI, this backbone is meant to facilitate transfer of inter-bank (and inter-branch) messages within India by Public Sector banks who are members of this network. More centres (like Pune, Ahmedabad, Kanpur, Lucknow, Chandigarh, Kochi, Jaipur, Bhopal, Patna, Bhubaneshwar, Thiruvananthapuram, Guwahati, Panaji Jammu etc) are being brought on the network.

1.3.06INFINET-Indian Financial Network The ‘INFINET’ Indian Financial Network is a satellite based wide area network using VSAT (Very Small Aperture Terminal) technology set up by the RBI in June 1999. The hub and the Network Management System of the INFINET are located in the Institute for Development and Research in Banking Technology, (IDRBT) Hyderabad. Among the major applications identified for porting on the INFINET in the initial phase are e-mail, Electronic Clearing Service – Credit and Debit, Electronic Funds Transfer and transmission of Inter-city Cheque Realization advices. Later, other payment system related applications as well as Management Information System (MIS) applications are proposed to be operationalized.

1.3.07Indian Banks and S.W.I.F.T All Indian public sector banks are part of the international financial messages communication network, namely, Society for Worldwide Inter-bank Financial Telecommunication (S.W.I.F.T). The S.W.I.F.T provides reliable and expeditious telecommunication facilities for exchange of financial message all over the world. The gateway is in Mumbai and efforts are on to other cities through leased lines/public data network.

1.3.08Electronic Data Interchange (EDI) EDI is a computer-to-computer transfer of details of commercial or administrative transactions using an agreed protocol and standard data structure. EDI standards have been developed in respect of specific messages for transmission of business transactions which are electronic equivalents of commercial invoices, purchase orders, transport bookings and payment instructions etc.

1.3.09Telephone banking, Mobile Banking and SMS Banking Telephone banking is specific provision of banking services over the telephone. It allows customers to perform transactions over the telephone. Most telephone banking use an interactive voice response (IVR). Mobile Banking is the hottest area of development in the banking sector and is expected to replace the credit/debit card system in future. Most of banks are providing SMS alert facility to their customers. Facility of SMS services SMS banking is becomes very much safe and useful in recent days.

1.3.10MICR Clearing MICR (Magnetic Ink Character Recognition) is a character recognition technology adopted mainly by the banking industry to facilitate the processing of cheque. The process was demonstrated to the American Bankers Association in July 1956, and it was almost universally employed by 1963. MICR characters are printed with a magnetic ink or toner. Magnetic printing is used so that the characters can be reliably read into a system, In India MICAR Introduced in 1987 in the four Metros, the MICR Clearing is now in operation in 14 centers (HYDERABAD, BANGLORE, AHMEDABAD, KANPUR, JAIPUR, NAGPUR, BARODA, PUNE, GAUHATI, TRIVANDRUM) and is proposed to be extended to a total of 22 centers where volume of clearing transactions is large. 1.3.11Automated Clearing House The Automated Clearing House (ACH) is an electronic banking network operating system. ACH processes large volumes of both credit and debit transactions which are originated in batches. Within the Rules and regulations governing the ACH network are established by the Reserve Bank of India by the help of the State Bank of India. 1.3.12Credit card and Debit Cards A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. In the case of credit cards, the issuer lends money to the consumer. Credit cards are become very popular in India with the introduction of foreign banks in the country. A debit card is a plastic card which provides an alternative payment method to cash when making purchases. Debit cards are accepted at many locations, including grocery stores, retail stores, gasoline stations, and restaurants. It’s an alternative to carrying a checkbook or cash. There are currently two ways that debit card transactions are processed: online debit cards and offline debit cards. Online debit cards require electronic authorization of every transaction and the debits are reflected in the user’s account immediately. Offline debit cards have the logos of major credit cards (e.g. Visa or MasterCard) or major debit cards (e.g. Maestro) and are used at point of sale like a credit card. This type of debit card may be subject to a daily limit, as well as a maximum limit equal to the amount currently deposited in the current/checking account from which it draws funds.

1.3.13RTGS (Real Time Gross Settlement System) Real Time Gross Settlement (RTGS) is a comprehensive secured on line settlement solution, set up, operated and maintained by Reserve Bank of India to enable funds settlement across banks in the country on real time basis to minimize costs and maximize benefits, increase velocity of funds-flow both inter- city and interbank, reduce credit risk, increase transparency of payments and better liquidity management. RTGS is managed by RBI. In India RTGS System has been implemented since March 26, 2004. 1.3.14Electronic Clearing Services (ECS) ECS Scheme operated by the RBI since 1996-97, it helps to make payment from a single account at a bank branch to any number of accounts maintained with the branches of the same or other banks. This is the most useful mode of payment of dividend / interest/ pension/refund etc. The clearing and settlement activities are dispersed through 1,047 clearing houses managed by RBI, the State Bank of India and its associates, public sector banks and other institutions. 1.3.15Electronic Funds Transfer (EFT) & Special Electronic Funds Transfer EFT System hosted and operated by the RBI, permits transfer of funds, unto Rs. 5 lacs from any account at any branch of any member bank in any city to any other account at any branch of any member bank in any other city. This system utilizes the Service Branches of the member banks and the nodal offices of RBI. RBINET is the conduit for the flow of funds. The Reserve Bank of India acts as the service provider as well as regulator. A special EFT (SEFT) was introduced in April 2003 covering about 3000 branches in 500 cities. This has facilitated same day transfer of funds across accounts of constituents at all these branches. 1.3.16Automated Teller Machine (ATM) The first bank to introduce the ATM concept in India was the Hong Kong and Shanghai Banking Corporation (HSBC) in the year 1987. Now, almost every commercial bank gives ATM facilities to its customers. SBI is following the concept of ‘ATMs in Quantity’. The Corporation Bank has the second largest network of ATMs amongst the Public Sector Banks in India. Today’s all Public Sector Banks are taking the installation of ATMs seriously for Indian market. They are either setting up their own ATM centers or entering into tie-ups with other banks. Since April 2009 access in any ATM machine is free of charge it is the great opportunity to any ware banking in India. 1.3.17Electronic Bill Payment EBP can attract customers due to the faster and efficient bill payment mechanism of the banking in India. Customers can access their financial information more easily and create a more intimate relationship with the customer and promote and deliver other online products and services. Most of Indian banks are trying setups an EBP portal. ICICI has already started a portal called BillJunction.com. Banks are planning to use the Net for payment of utility bills. They are entering into tie-ups with utilities like MTNL, AirTel, Orange, and BPL Mobile etc. Right now, a customer who’s received a bill in the physical form logs into the network in order to make an online payment. In the future, these bills will be sent to customers through the Net.

Conclusion All these developments in Indian banking are shows that, the Indian banks are marching towards modern banking and changing their traditional look. It is grate change of banking industry because of information technology development. They are trying to installation of information technology for banking business and they trying to provide technology based banking products and services to their customers. Indian banks also trying to Univerlisation of banking products and services to one stop banking shop for customer delight, but comparatively private and foreign banks existing in Indian economy are having a higher level of modernization and those providing numbers of modern services to their customers. References:- 1)Davis whitely (2000) : Strategy Technologies, and Applications MCGRAW- Hill company. 2)Dr. M.Mahmaoudi Maymand (2005) E-commerce Deep & Deep publications pvt.Ltd. 3)Gordon, Natarasan (2006) Financial Markets & services Himalaya publication House Delhi. 4)P.R.Shukla, S.K.Rovchoudhary, (1992), Banking System, credit and Developments, Akashdeep publishing House, New Delhi. 5)N.Vinaykam (1993); A peep In To The Private sector Banks, kanishka publishers Delhi. 6)Khan Masood Ahamad (1992) Banking In India, Anmol Publications, New Delhi. 7)S.S.Hugar (1993), Trends And challeges To Indian Banking, Deep & Deep publications, New Delhi. 8)Vasant C.Joshi, Vinay V.Joshi (1998) Managing Indian Banks : The Challenges Ahead, Sage publications, New Delhi. 9)Frederic S. Mishkin (1998), The Economics of Money Banking and Financial Markets 5th edition an important of addition wesly Longman. 10)Report on Trends and progress of Banking in India – 2005-06 11)R.B.I. Annual Report 2004-05 and 2005-06. 12)Banking Industry – Vision 2010 13)Professional BANKER – July 2007.

Breeze is a rich interactive and user friendly alternative to online banking that was developed by the Standard Chartered Bank (SCB). Breeze takes the control of your money and keeps it exactly where it should be- with you and nobody else! Breeze was developed in Singapore which is where it is presently available for download from the Standard Chartered Bank website for no charge. It is also presently available for download for customers living in Malaysia.

Breeze was developed in Singapore and is available in both Singapore and Malaysia. The bank is set to release it for download in Hong Kong and India in the very near future. Once Breeze has arrived in Hong Kong and India it will then progress to other areas across the globe.

Breeze is conveniently available as either an internet application or an iPhone application. It will soon also be available as an iPad application. The widely used functions that make Breeze so unique are literally at the tips of your fingers. Whether you choose the internet banking experience or the mobile banking experience, with Breeze you can personalize your preferences and customize the icons and colors to your heart’s content!

Breeze is a new generation online banking platform that was created with the intent of making banking a breeze. Breeze from Stan Chart is available as an iPhone application or as an internet application. You cannot choose both however. Instead choose whether you would like to use Breeze on your computer or on your mobile phone. In the not so distant future Breeze will also be available as an iPad application.

If you have a credit card from any bank in Singapore you can pay it via Breeze. It’s the Breeze banking way and it is very effective and very flexible. Hassle-free bill payments are something you can enjoy with Breeze. You are able to make payments using the unique and sophisticated e-check application.

Some people have lots of banking transactions happening all of the time while others have ones happening less often. Regardless of which category you fall into wouldn’t you like to be able to see what is going on and be able to control your money in your own way and on your own schedule? Breeze makes it possible for you to do just that. There is a See, Move and Manage Your Money section at Breeze that makes money management and control as close to you as your fingertips.

With Breeze, convenience and versatility is only a click away! It is as close as your PC, your laptop or your cell phone. Breeze is user friendly and is easy to figure out. There is no wordy text or computer heavy terminology.

There is no confusing jargon and no need to consult a manual. It is all there for you to simply and easily understand. Breeze has an intuitive interface and is available in plain language. You can personalize your preferences and customize your icons and the colors you wish to use. Now do you feel the Breeze?