CAIIB IT and Digital Banking Syllabus
The CAIIB IT and Digital Banking paper is meant for bankers who want to stay confident and updated in today’s technology-driven banking world. This syllabus focuses on practical areas like digital payment systems, core banking solutions, cybersecurity, IT regulations, and emerging trends like mobile banking, UPI, blockchain, and AI in finance.
By learning these topics, bankers can handle technology in day-to-day operations more effectively, serve customers better, and stay ahead in the fast-changing digital banking environment. It’s a must for anyone looking to improve their IT knowledge and digital banking skills in a simple, practical way.
CAIIB Elective Paper 3 IT and Digital Banking Syllabus
As per the IIBF, the CAIIB exam syllabus consists of 4 compulsory papers and one elective paper, which professionals can select according to their choice. There are a total of 5 elective papers, among which Elective Paper 3 is IT and Digital Banking.
IIBF CAIIB Elective Paper 3 IT and Digital Banking Exam Pattern
The CAIIB elective paper 3 consists of 100 questions, for a total of 100 marks, with no negative marking for incorrect answers, or answers that were not being attempted. The details CAIIB exam pattern are as follows:
| Subject | No. of Questions | Total Marks | Duration |
| Elective Paper 3 IT and Digital Banking | 100 | 100 | 2 hours |
Also: Check out the detailed CAIIB Syllabus 2025
CAIIB Elective Paper IT and Digital Banking Syllabus Details
The CAIIB Paper 3 elective paper, Rural Banking, consists of 4 modules, from which 100 questions are asked. The module-wise details are as follows:
- Module A: Introduction to Information Technology
- Module B: Systems and Design
- Module C: Banking Technology Applications and Digital Banking
- Module D: Information System Security Controls and Audit
CAIIB Elective Paper 3 IT and Digital Banking – Introduction to Information Technology
The details of the IT and Digital Banking module A syllabus are as follows:
| Topic | Details |
| Information Technology and its Implications | – Impact of Information Technology in banking and finance – Strategic issues related to IT adoption |
| Introduction to Computing | – Basics of computers and their components – Data processing methods – Different computing environments – Virtualization of servers |
| Introduction to Software | – Types of computer software (system software, application software) – Open-Source Software and its applications – Web browsers and their functionality |
| Networking Systems | – Basics of data communications – Overview of WAN technologies – TCP/IP protocols and internet fundamentals |
CAIIB Elective Paper 3 IT and Digital Banking – Systems and Design
The details of the CAIIB elective paper 3 IT and Digital Banking module 2 syllabus are as follows:
| Topic | Details |
| Introduction to Information Systems | – Types of Information Systems (Transaction Processing, MIS, DSS, EIS) – Management Information System (MIS) structure – Decision Support Systems (DSS) – Executive Information Systems (EIS) – Group Decision Support Systems (GDSS) – Project Management concepts – Capability Maturity Model (CMM) – Building and managing Data Centers |
| Database Management Systems (DBMS) | – DBMS concepts and architecture – Relational database design – Database normalization techniques – Oracle database basics |
| Data Warehousing and Data Mining | – Need and importance of Data Warehouse – Data Warehouse architecture – Data Warehouse options and development – Business Intelligence: Expert Systems & Artificial Neural Networks – Data Mining techniques and applications – Emerging trends in Data Warehousing & Analytics |
CAIIB Elective Paper 3 IT and Digital Banking – Banking Technology Applications and Digital Banking
The details of the CAIIB elective paper 3 module 3 syllabus are as follows:
| Topic | Subtopics / Pointers |
|---|---|
| E-Learning Environment | – E-Learning concepts and standards – Instructional design for virtual classrooms – Emerging trends in E-Learning – Impact of pandemic on E-Learning |
| Banking Software | – Types of banking software- Integrated Banking System (IBS) – Centralized banking solutions – Features of online banking websites – Internet Service Providers (ISP), Hosting, Bandwidth, Data download/upload – Emerging trends in banking software – IT services in banking: vendor selection and retention |
| Electronic Clearing and Settlement Systems | – Electronic clearing/settlement systems – MICR/OCR/CTS clearing system – Debit and credit clearing systems – RTGS and NEFT – NPCI products and services – Structured Financial Messaging System (SFMS) |
| Plastic Money | – Credit cards, debit cards, smart cards – CVV/CSC number – RuPay card – Payment Gateway & Secure Electronic Transaction (SET) – ATM & POS- Card tokenization |
| Electronic Commerce and Banking | – E-business and electronic commerce concepts – E-commerce building blocks – E-banking, mobile payments, SMS banking and alerts – Call center operations – EBPP and digital payment trends |
| IT Act 2000 / 2008 | – Introduction to IT Act 2000 – Legal definition of computer crime – Key legal issues and offenses under IT Act 2000 – Amendments in 2008 – Digital Rights Management (DRM) – Latest developments |
| Emerging Technologies | – Open Banking, APIs & Embedded Banking – Advanced & Big Data Analytics – Blockchain technology – Artificial Intelligence (AI) & Machine Learning (ML) – Cyber Security: Zero Trust Security Model – 5G Network – Fintech & Cloud Computing – Digital Banking Units (DBUs) – Central Bank Digital Currencies (CBDCs) |
CAIIB Elective Paper 3 IT and Digital Banking – Information System Security Controls and Audit
The details of the IT and Digital Banking module 4 syllabus are as follows:
| Topic | Details |
| Computer Security | – Physical security – Logical security – Network security – Biometric security – ISO 27000 series standards – Basel recommendations on e-banking – Computer viruses and frauds |
| Communication Security | – Cryptography – Digital signatures – Public-Key Infrastructure (PKI) – Certification Authorities |
| Business Continuity and Disaster Recovery Planning | – Business Continuity Plan vs Disaster Recovery Plan – Business continuity planning process – RBI guidelines on business continuity planning – Disaster avoidance strategies – Disaster recovery planning |
| Information System Audit | – Concept of information system audit – System audit procedures – Security audit – IS audit controls & approaches – RBI guidelines on IS audit |
| Competitive Bid Process – RFP and SLA | – Competitive bid process – Request for Proposal (RFP) and process – Evaluation of proposals – Contract coordination – Service Level Agreement (SLA) structure & processes – SLA management – RBI guidelines on IT services outsourcing |
| RBI Guidelines on Cyber Security & Digital Payment Security | – Difference between cyber security and information security – RBI guidelines on cyber security in banks (2016) – Master directions on digital payment security controls (2021) |
FAQs
Ans. Only candidates who have cleared JAIIB or hold an equivalent banking qualification can appear.
Ans. Yes, including NEFT, RTGS, plastic cards, mobile payments, e-banking, and digital wallets.
Ans. Yes, covering AI, ML, blockchain, cloud computing, open banking, 5G networks, and CBDCs.
Ans. Yes, basics of IT Act 2000 & 2008, computer crime, DRM, and legal amendments are included.
Ans. Yes, including IBS, centralized solutions, online banking features, and IT services in banking.
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