CAIIB IT and Digital Banking Syllabus 2026, Check Exam Pattern

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Published on 26 February 2026 by

The CAIIB IT and Digital Banking paper, conducted by the Indian Institute of Banking & Finance (IIBF), is designed for bankers who want to stay confident in today’s fast-growing digital banking world. The syllabus covers practical topics such as digital payment systems, core banking solutions (CBS), cybersecurity, IT rules and regulations, and new trends like mobile banking, National Payments Corporation of India (NPCI)’s Unified Payments Interface (UPI), blockchain, and Artificial Intelligence (AI) in banking and finance.

By understanding these areas, banking professionals can use technology better in their daily work, improve customer service, manage digital risks, and adapt to new banking systems with confidence. This paper is a good choice for anyone who wants to strengthen their IT knowledge and build strong digital banking skills in a simple and practical way.

What are the topics covered in the CAIIB elective paper 3 IT and digital banking ?

The CAIIB Elective Paper 3 IT and Digital Banking syllabus covers four main modules that help bankers understand technology in modern banking. It includes basics of information technology, systems and database management, banking technology applications, digital payment systems, cybersecurity, IT laws, and emerging technologies like AI, blockchain, open banking, and cloud computing. These topics are designed to build practical knowledge so banking professionals can confidently handle digital operations and technology-driven services in their daily work.

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What is the exam pattern for CAIIB IT and digital banking paper?

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:

SubjectNo. of QuestionsTotal MarksDuration
Elective Paper 3 IT and Digital Banking1001002 hours

Also Check: How to Choose the Right Elective Paper

What are the module-wise topics in CAIIB IT and digital banking?

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:

  1. Module A: Introduction to Information Technology
  2. Module B: Systems and Design
  3. Module C: Banking Technology Applications and Digital Banking
  4. Module D: Information System Security Controls and Audit
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What do you learn in module A introduction to information technology?

The details of the IT and Digital Banking module A syllabus are as follows:

TopicDetails
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

Check: CAIIB Study Material

What topics are included in module B systems and design?

The details of the CAIIB elective paper 3 IT and Digital Banking module 2 syllabus are as follows:

TopicDetails
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

Also: Check out the detailed CAIIB Syllabus 2026

What does Module C cover in banking technology and digital banking?

The details of the CAIIB elective paper 3 module 3 syllabus are as follows:

TopicSubtopics / 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)

Also Download :

CAIIB Previous Year PapersDownload Link
Paper 1 (ABM)Download PDF
Paper 2 (BFM)Download PDF
Paper 3 (ABFM)Download PDF
Paper 4 (BRBL)Download PDF

What do you learn about information system security controls and audit in CAIIB elective paper 3?

The details of the IT and Digital Banking module 4 syllabus are as follows:

TopicDetails
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)

Check: CAIIB Exam Date 2026

What are the paper-wise CAIIB 2026 exam dates for the May-June cycle?

The CAIIB 2026 May-June cycle will be conducted online from 31st May 2026 to 21st June 2026. The details of the paper wise exam dates are as follows:

Paper / SubjectExam Date
Advanced Bank Management (ABM)31st May 2026
Bank Financial Management (BFM)7th June 2026
Advanced Business & Financial Management (ABFM)13th June 2026
Banking Regulations & Business Laws (BRBL)14th June 2026
Elective Paper (Rural Banking / HRM / IT & Digital Banking / Risk Management / Central Banking)21st June 2026

Also Check: CAIIB Admit Card 2026

What are the paper-wise exam dates for the November-December 2026 CAIIB cycle?

The CAIIB 2026 November-December cycle will be conducted online from 6th December 2026 to 27th December 2026. The details of the paper wise exam dates are as follows:

Paper / SubjectExam Date
Advanced Bank Management (ABM)6th December 2026
Bank Financial Management (BFM)12th December 2026
Advanced Business & Financial Management (ABFM)13th December 2026
Banking Regulations & Business Laws (BRBL)20th December 2026
Elective Paper (Rural Banking / HRM / IT & Digital Banking / Risk Management / Central Banking)27th December 2026

FAQs

Q1. Who is eligible to appear for CAIIB IT & Digital Banking exam?

Ans. Only candidates who have cleared JAIIB or hold an equivalent banking qualification can appear.

Q2. Does the syllabus cover digital payment systems?

Ans. Yes, including NEFT, RTGS, plastic cards, mobile payments, e-banking, and digital wallets.

Q3. Are emerging technologies part of the syllabus?

Ans. Yes, covering AI, ML, blockchain, cloud computing, open banking, 5G networks, and CBDCs.

Q4. Is knowledge of IT laws required for the exam?

Ans. Yes, basics of IT Act 2000 & 2008, computer crime, DRM, and legal amendments are included.

Q5. Are commercial banking software and integrated banking systems covered?

Ans. Yes, including IBS, centralized solutions, online banking features, and IT services in banking.