Abstract : The Rural Banking introduced in villages to give good and better services to the people for the development of their agriculture sector or to help for their small-scale business. The banking sector in India has witnessed a complete transformation both in its functioning and delivery of services to their customers.The banking services in rural areas helps in developing economic factor that changed the profile of the village and the life of its residents. The rural banking plays a major role in the economic development of a country cannot be overlooked. The main goal is based on Cloud computing to help rural banking. Today technology being the main driving force for businesses has made banking customers to sit back at home and run their accounts without walking into the banks for anything and everything. As the advancement of technology has taken place with immense use of internet, mobile phones and online bill payments banking sector in India has a new facet altogether. The cloud computing is one of the developing technology which is being use by all industrial domain in the IT field. In this paper, I proposed the concept of using cloud computing to develop a banking system for rural areas. It considers various factors such as lack of devices and amenities in rural areas and provides efficient functionality to fulfil those gaps. It uses the latest variations of cloud computing technology for filling in the various technological gaps in village areas.The new technologies had made banks to offer new services and products to its customers, which would help improve economic activities.
 ? These are not specific contactless payment applications in their own right, simply combinations of existing contactless retail applications (or a magnetic stripe or chip-based debit or credit card application) with either open-loop or closed-loop transit applications combined on a single payment instrument. ? However, banks should not be misled — not surprisingly, the participants for these pilots tend to be customers with a much higher propensity to be early adopters of new technology; that is, they are not a typical cross-section of a bank's existing customer base.
 ? The farmers mostly lives in the rural population and need credit for agricultural activities which has the following problems related to banks. The problem in the villages is, either there is an ATM of a particular bank or there is no ATM. ? As the working expenses of the public sector banks have shot up extensively, it has become a huge problem for the public sector banks to open up and run them, making the rural banking profitable. ? To overcome these problems and make a profitable outcome to run a bank in rural areas, cloud technology helps to do in a well suitable manner to all people and in the banking sector.
 • All the user details are invisible and every informations are encrypted .it is difficult to hack. • The properly information is given regarding the credit & debit card details. • Using AES (Advanced encryption standard) algorithm. • In this paper we have discussed various encryption algorithms to overcome this security issue, deals with advantages and disadvantages of these algorithms.
 ? There is also a part of India which is very far away from technology and its advantages that is the rural side of India. Banks will enjoy improved efficiency ratios and operating leverage. ? Banks are offering Internet banking and moving the payment function to the cloud, simply because of the great promise of cost savings, efficiency and reliability. ? By advantage on standard development processes, scalability and collaboration enabled by the cloud, the banks will be able to create new and Innovative product and service offerings for their customers.

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