International Bank Transfers are often called global ACH. However, in fact, the actual term ACH, which means the Automated Clearing House network, is the term for electronic funds transfers only in the United States and Canada. But, functionality, international bank transfers are analogous to ACH. Positive economic profit is sometimes described as excess profit. Citi Bank India offers Internet banking plan to customers having Citibank account. Their online service allows their clients to handle funds and other activities such as online bill payments, alerts, viewing account activities, online money transfer and receiving of online statements. Existing customers can login with user ID and password. New customers should create account number, ATM/Debit Card Number and ATM PIN. Famous British economist hicks and others argue that the above theory did not consider the factor of income, and therefore unable to determine the level of interest rates, in 1937, and puts forward the is-lm model on the basis of general equilibrium theory. It establishes a theory of interest rates and income at the same time that the four factors of savings and investment, money supply and monetary demand interact. India's bitcoin exchange has set up a self-regulating organization that sets standards for KYC and AML standards, as local regulators are unclear about the industry's management and guidance. Earlier this month, India's central bank issued a warning against investments or use of cryptocurrencies such as bitcoin. In mid-november, India's Supreme Court has urged government authorities to regulate bitcoin, as it sought to clarify the legal status of bitcoin in India.