The Indian Institute of Banking and Finance (IIBF) has released the latest Digital Banking Exam Syllabus for 2025, designed to equip banking professionals with essential knowledge of digital banking trends, technologies, security, and customer services. The syllabus covers key areas such as digital delivery channels, financial inclusion, product marketing, payment systems, and future innovations like blockchain, AI, and Central Bank Digital Currency (CBDC). In this blog, we have provided the module-wise syllabus details, along with a direct link to download the syllabus PDF.
IIBF Digital Banking Syllabus 2025
The IIBF Digital Banking covers various topics, the details of the topics are as follows:
- Module A: Digital Banking Products & Delivery Channels
- Module B: Digital Banking & Financial Inclusion (FI)
- Module C: Marketing of Digital Banking Products
- Module D: Developments in Payment Systems in India and Digital Banking
- Module E: Future Trends in Digital Banking
IIBF Digital Banking Exam Pattern 2025
Preparing for the IIBF Digital Banking exam begins with understanding how the test is structured. From the number of questions to the total time and marking scheme, knowing the exam pattern in advance helps you manage your preparation better and avoid surprises on exam day.
| Parameter | Details |
|---|
| Subject of Examination | Digital Banking |
| Mode of Examination | Online Mode |
| Question Type | Objective Type – Multiple Choice Questions |
| Number of Questions | 120 Questions |
| Total Marks | 100 Marks |
| Negative Marking | No negative marking for wrong answers |
| Duration | 2 Hours (120 minutes) |
| Medium of Examination | English Only |
| Passing Criteria | Minimum 50 marks out of 100 to qualify |
IIBF Digital Banking Module A Syllabus 2025
This module provides a comprehensive overview of various digital banking products and services used in today's banking ecosystem. It covers multiple delivery channels such as cards, ATMs, mobile and internet banking, and POS terminals, highlighting both operational aspects and security considerations.
| Digital Banking Products & Delivery Channels Topics | Sub-topics Covered |
|---|
| Digital Delivery Channels | - Introduction to Digital Banking - Need for Digital Channels - Customer Preferences - Customer Digital Interface - Technology for User - Friendliness & Interaction - Security & Information Security (IS) - Integrated Ombudsman Scheme, 2021 (RBI) - Customer Protection & Liability in Unauthorised Transactions - RBI Master Direction on Digital Payment Security - Challenges in Digital Banking - e-KYC |
| Cards | - Overview and Brief History - Plastic Payment Cards - Features & Benefits of Cards - PCI-DSS Standards - Magnetic Strip & EMV Cards - NFC Tap & Go Technology - Approval Process for Card Schemes - Profitability of Card Business - Backend Operations - Recovery and Follow-up - Information Security Issues |
| Automated Teller Machines (ATMs) | - Overview and Brief History - Product Features - White Label & Brown Label ATMs - ATM Networks- Instant Money Transfer (IMT) - Profitability of ATMs- Cash Deposit Machines (CDM) - Risk Management & Frauds - Backend Technology - Dispute Management System (DMS) |
| Mobile Banking | - Overview and Brief History - Features and Diversity - IMPS (Immediate Payment Service) - Benefits of Mobile Banking - Risk Management & Frauds - Backend Technology - Information Security Tips - Conclusion |
| Internet / Online Banking | - Overview and History - How Internet Banking Works - Features of Internet Banking - Profitability of Services- Risk Management & Frauds |
| POS Terminals | - Overview and History - Key Features & Types - Merchant & Customer Benefits - Transactions at POS - Cash Withdrawals at POS - Merchant Onboarding Process - Terminal Approval Process - Parties to a POS Set-up - Profitability of POS Business - Risk Management & Frauds- Backend Operations & Technology |
IIBF Digital Banking Module B Syllabus 2025
This module focuses on the role of digital banking in promoting financial inclusion across India. It explores strategies, technologies, and infrastructure used to extend banking services to the unbanked and underbanked segments, along with key security and operational considerations.
| Digital Banking & Financial Inclusion (FI) Topics | Sub-topics Covered |
|---|
| Financial Inclusion | - Introduction to FI - Strategy for Inclusion - Accelerating FI Approaches - Technology for FI - Status of Digital Services in FI - Beyond Technology: Awareness & Infrastructure - Information Security in FI - New Developments in FI - Bank Revenue via Digital Delivery Channels |
IIBF Digital Banking Module C Syllabus 2025
This module explains how banks plan, promote, and deliver digital banking products. It emphasizes marketing strategies, delivery channels, customer engagement, post-sales services, and the importance of customer education and ethical selling.
| Marketing of Digital Banking Products Topics | Sub-topics Covered |
|---|
| Marketing Fundamentals | - Concept of Digital Product Marketing - Channels for Marketing - Product Planning and Development - Marketing Structure in Banks - Sales Delivery to Customers |
| Customer Engagement & Ethics | - e-Galleries- After-sales Service - FI-Specific Marketing - Dangers of Mis-selling - Use of Analytics in Marketing - Customer Education & Protection |
IIBF Digital Banking Module D Syllabus 2025
The Module D covers the major payment systems used in India and globally. It includes traditional and modern digital platforms, from RTGS and NEFT to UPI, BBPS, and banking super apps. The module also touches on international networks and the integration of security in payment systems.
| Payment Systems Topics | Sub-topics Covered |
|---|
| Indian & Global Payment Ecosystems | - Overview of Global Payment Systems - Domestic Payment Systems Overview - New Payment Vehicles & Platforms |
| Core Payment Systems | - Cheque Truncation System (CTS) - National Financial Switch (NFS) - RTGS (Real-Time Gross Settlement) - NEFT (National Electronic Funds Transfer) - NETC (National Electronic Toll Collection) - Bharat QR- UPI QR - Bharat Bill Payment System (BBPS) - SWIFT |
| Settlement Systems | - Forex Settlements - Securities Settlements |
| Innovation & Security | - Innovative Payment Systems - Integration with Digital Banking - Payment Security Guidelines - Banking Super Apps |
IIBF Digital Banking Module E Syllabus 2025
This final module looks ahead at the future of digital banking. It explores disruptive technologies and innovations such as fintechs, blockchain, AI, ML, RPA, IoT, and Central Bank Digital Currency (CBDC), giving insight into how banks are digitally transforming.
| Future Trends in Digital Banking Topics | Sub-topics Covered |
|---|
| Emerging Technologies & Innovations | - Background and Context - Rise of Fintechs - Evolving Business Ecosystems - Blockchain Technology - Cryptocurrencies - Peer-to-Peer Financing - Cloud Computing - Virtualization - Data Analytics |
| AI-Driven Automation & Transformation | - Artificial Intelligence (AI) - Machine Learning (ML) - Deep Learning (DL) - Robotic Process Automation (RPA) - Internet of Things (IoT) - Central Bank Digital Currency (CBDC) - Digital Transformation of Indian Banks |
IIBF Digital Banking Syllabus 2025 PDF
Aspirants preparing to appear for the IIBF Digital Banking examination must go through the syllabus well in advance. The direct link to download the IIBF Digital Banking Syllabus PDF 2025 is provided below.
Download IIBF Digital Banking Syllabus 2025 PDF
IIBF Digital Banking Exam in Remote Proctored Mode
The IIBF Digital Banking exam is conducted in Remote Proctored Mode, allowing candidates to appear for the test from their home or office. This format uses advanced technology to ensure the exam's integrity without requiring candidates to visit a test center.
What is Remote Proctored Mode?
Remote proctoring involves real-time monitoring through webcam, screen sharing, and mic, supervised by proctors and AI tools to prevent malpractice.
Guidelines for Digital Banking Remote Proctored Exam
The complete guidelines to ensure a smooth and successful exam experience are as follows:
- Take Exam from Home/Office – Ensure a quiet, well-lit environment.
- Login Early – Join the exam 30 minutes before the scheduled time for verification.
- Original Photo ID Required – Aadhaar, PAN, Passport, etc.
- Live Face Verification – Matched against your profile photo.
- 360° Room Scan – Proctors may request a full room view via webcam.
- Clear Desk Rule – No notes, mobile devices, or books allowed.
- Live Monitoring – Screen activity, webcam feed, and audio are continuously recorded.
- On-Screen Communication – Proctors may issue instructions via chat window.
- Unfair Behavior – May lead to warnings, pausing, or termination of the exam.
- Provisional Scorecard – Displayed immediately after submission.
Minimum System Requirements for Remote Exam
The details of the System requirement are as follows:
| Component | Requirement |
|---|
| Device | Desktop or Laptop only (No mobile/tablets) |
| Operating System | Windows 8 / Windows 10 |
| Browser | Google Chrome (v75 or above) with cookies & pop-ups enabled |
| Webcam & Microphone | Mandatory – HD webcam preferred |
| Processor & RAM | Intel i3 5th Gen (2.2 GHz) or higher with 4 GB RAM |
| Internet Speed | Minimum 2 Mbps upload speed |
| Pop-up Blocker | Must be disabled |
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