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The main purpose that banks have been serving since their inception is keeping our money safe for us.
While keeping our money safe, they also let us earn a certain amount of interest on the money deposited
with them. Traditional banks have been doing this, and internet banks continue the same function. The
only difference is in the way the transactions are made.
We all know about internet banking and most of us use it quite often as well, but few of us actually
understand about the history of internet banking and how it all came out. Knowing the history of internet
banking can be incredibly useful, especially since it will allow us to have more respect for the little things
that we take for granted.
Computers themselves have really come an enormous way since their initial establishment, as the earliest
electronic computers were so large that they would take up the entire area of a room, while today some
are so small that they can hardly be seen at all.
In today's world, computers play an incredibly large role in the way the world exists in general, and the
majority of tasks could actually not be completed if not for the use of computers. Although there are
certainly some areas and jobs that cannot yet be completed solely by computers and which thus still
require actual manpower, for the most part, computers have helped to make life significantly easier,
productive, and more convenient for us all.
Internet banking has been around for quite a few years now, but has really only become prominent over
the past year or so in particular. Internet banking offers an array of different advantages to the user,
including:
1
account balances and history including year-to-date information, the ability to transfer money from one
account to another and to payees for bill payments, check history, reorders, and stop payments, check
credit card balances and statements, complete online loan applications, secure interactive messaging with
staff, and much more.
Internet banking basically allows you to be able to do everything that you can in your regular banking
institution, only with the benefit that you can do it all right from the convenience of your own home. Not
only is this great because you can be comfortable and have peace of mind knowing that you can keep
track yourself of all your banking issues, but as well it allows for more ease because you never have to
worry about rushing out and making it to the bank.
1.1
STATEMENT OF THE PROBLEM
With the problems and limitations associated with manual banking procedures as witnessed in most
parastatals today, complied with the problems associated with the existing application programs even
much more in the presence of serious technological advances aimed at improving information system.
This is activities aimed at shedding light upon the need for improvement in accounting activities and the
means of achieving its efficiency, effectiveness, reliability and success promising future through
computer intervention.
Internet banking identifies a particular set of technological solutions for the development and the
distribution of financial services, which rely upon the open architecture of the Internet. With the
implementation of an Internet banking system, the banks maintain a direct relationship with the end users
via the web and are able to provide a personal characterization to the interface, by offering additional
customised services.
2
1.2
PURPOSE OF THE STUDY
The aim of this project is to develop a secured online banking system with
the following objectives:
•
Many consumers today are turning to the ease and convenience of Internet banking to take care of their
financial needs. With the new levels of access made possible by the Internet, people can now check the
status of their finances with the click of a button.
The history of Internet banking has evolved from simply allowing customers to check balances online, to
now being able to trade stocks and bonds from the comfort of their own home!
1.3.2 WHY USE ONLINE BANKING?
3
Online banking services have grown from simply allowing customers to check balances, to trading assets.
Today, banks like ING Direct are functioning entirely online, with no brick and mortar building. With the
costs saved by requiring fewer employees and the lack of facility expenses, these virtual banks can often
offer higher interest rates than their traditional counterparts. Internet banking gives you the power to
control your finances completely. You are no longer tied down to managing your money during the hours
the bank is open. If you want to transfer a balance after business hours, you can! If you have access to the
Internet and have a number of recurring monthly bills, then you should use Internet banking to make your
life easier.
1.3.3
FEATURES OF ONLINE BANKING
Today, online banking services are quite varied. One of the best features of
online banking is putting the user in control. The user controls all bill paying,
transfers, and investments from home.
There are other features, though of online banking. One of these is increased
accessibility to your account information. Users of online banking services
can access their account information from anywhere in the world! This is
particularly helpful for businesses. Internet business banking is becoming
increasingly popular, as businesses are becoming more global in their reach.
Now business people can access their accounts, even when on overseas
business trips. Business Internet banking is extremely popular for this
reason.
The scope of this project is limited to the activities of the operations unit of the banking system which
include opening of Account, Deposit of funds, Withdrawal of funds and transfer.
1.5
METHODOLOGY
This project employs the object oriented approach of software engineering using appropriate (UML
TOOLS) an object oriented approach. Some of the steps to be taken are:
•
Registered customers or Account holders of the bank can now login using the account details posted to
their email box to login before they can perform financial transactions. The system is secured such you
cannot operate another mans account even if you knew his account details because a new transaction
number is always sent to a customer for each login. This transaction number is what will be used to
authenticate any transaction per time.
1.7 DESCRIPTION
WEBTRUST is built on the three tier architecture of web applications.
Front-end
6
Database
JSP/Servlet
(Application
logic)
Internet
/
intranet
www.webtrust.com
Home Services Contact
….
WEBTRUST
Server
(Web server)
Middle-tier
Back-end
When a request is made on a web page through the browser, a jsp/servlet script that is residing on the web
server (the WEBTRUST Server) processes the request. It connects to the database to retrieve the
requested information and sends its response back to the browser which displays the output on another
web page.
The advantage of this architecture is that the database is more secured as it is only accessible by the
application logic (jsp/servlet script) that resides on the web server.
1.8 SOFTWARE TOOLS USED
Language: Java
The emergence of electronic commerce over the past decade has radically transformed the economic
landscape. For developing countries, the digital revolution offers unprecedented opportunities for
economic growth and development, a case study of Pakistan.
2.1 DEFINING E-BANKING / ONLINE BANKING
“In the 21st century there will be a lot of banking, but there will be no banks.
“Says Bill Gates.
The term "online banking" or "internet banking" covers both computer and telephone banking. Using
computer banking, a customer either uses his computer to dials directly into its bank's computer or gains
access to the bank’s computer over the internet. Using telephone banking, the customer can controls its
bank accounts by giving the bank instructions over the telephone. Both computer and telephone banking
involve the use of passwords which give access to the customer’s accounts.
Using these methods, banking transactions can be actioned 24 hours a day. Online banking allows the
person, for instance, to view recent transactions, print out statements and transfer funds between accounts
and make payments.
Many banks also have the facility for someone to set up, amend or cancel standing orders. Internet
banking also allows payments to be made to the customer, i.e. acceptance of credit card donations. Most
people that use
8
internet banking will also continue to use some of the elements of more
traditional methods of banking, such as a cheque book.
.2.2 E-BANKING IN DEVELOPING COUNTRIES
Just like Internet infrastructure, E-Banking in developing countries is at early
stages; however there are some exceptions where countries like:
•
In China, while banks issue credit cards and while many use debit cards to draw directly from their
respective bank accounts, very few people use their credit cards for online payment. Cash-on-delivery is
still the most popular mode of e-commerce payment. Nonetheless, online payment is gaining popularity
because of the emergence of China pay and Cyber Beijing, which offer a city-wide online payment
system. (Zorayda Ruth B. Andam, 2003).
•
The Nigerian economy is largely cash-based with a lot of money residing outside the banking system. To
a greater extent, this has hindered the participation of her citizens in e-commerce where e- payment is the
acceptable means of settling transactions. (Ayo Charles. K and Babajide Daniel O, 2006). In Nigeria, the
modernization of the payment process started with the introduction of the MICR. This
9
was followed by the establishment of ATMs for cash dispensing, account balance enquiry and payment of
utility cheques. In 1993, the Central Bank of Nigeria (CBN), introduced the use of payment cards
(smartcard) and paper-based instrument. Similarly in 2004, CBN introduced a broad guideline on e-
banking which included the introduction of ATM, e-money products such as credit and debit cards
(Salimon, 2006).
•
The Turkish banking sector has not only grown in numerical terms it has also expanded in terms of
technology and the range of new services offered to its local and foreign customers. The sector has been
viewed as the leader of technological innovations in Turkey.
Although a lot of work and progress has been made in electronic banking by these countries, but these
nations are still cash based economies largely. There needs to be a regulatory framework and awareness
among the banks and the consumers about the benefits and drivers of such systems.
Fast adoption of electronic form of banking is the need of the day for these
developing nations to survive in today’s hypercompetitive global world.
2.3 E-BANKING IN PAKISTAN
Just like many other developing countries, electronic banking initiatives are being worked on in Pakistan
to exploit the technological benefits that can be reaped along with many other e-readiness initiatives being
taken.
10
Pakistan has been among the late entrants into e-banking. The first ATM switch was setup in 1999 and
in2000 Internet Banking was introduced. (Ali Ahmad, 2006)
When the government started an information-technology (IT) and e- commerce initiative in early 2000,
the banks were expected to lead the way into e-commerce. However, although the banking sector is the
leading spender on information communications technology, the most progress in e- commerce has been
in “e-government”. Some business-to-business (B2B) portals are available, but they are designed more for
Information than transactions. (The Economist Intelligent Unit, 2006)
Since the de-regulation of the banking sector in Pakistan in 2002 many foreign and private banks have
established strong consumer base by adopting e-Commerce techniques, thus exploiting the first mover
advantage myth. However, for such initiatives to be successful Government needs to play an active role in
creating awareness among the consumers and a regulatory infrastructure and legislation.
Pakistani government has already started working towards forming an information society to create
awareness among the people but the process is relatively slow.
The Ministry of Science & Technology has been taking number of measures to promote E-Commerce and
E-Banking in Pakistan, Technology helps to catalyze efficiency in the provision of financial services and
ultimately in determining the winners in the intensely competitive financial markets of the future.
11
The use of ATMs and e-banking products is gaining currency and almost all banks have established
networking of their ATMs with the interconnectivity of switches. Better outreach offered by ATMs will
enhance the customer base and offer more alternatives and choices to customers. Further development on
e-banking and internet banking will open up new avenues like on-line banking. Among others, the
relatively smaller size banks will be able to compete with the large banks and retain their market presence
by using technology more effectively.
Technology tends to have a high degree of obsolescence. Thus, the financial institutions will have to
invest heavily in the development of their IT systems, which might initially burden their resources.
Half of the country’s 7,000 commercial-bank branches, including 90% of the branches in urban areas, had
been computerised by August 2006. Many banks and exchange companies offer online funds transfers
from overseas, such as for workers remittances.
A few of banks offer mobile-phone banking, where customers can pay utility bills using their mobile
phones. The National Institutional Facilitation Technologies (NIFT), an
automated check-clearing house was operating in 14 cities in August 2006, and it processed 60m checks
per year in 2005/06. NIFT is a public-private company owned 51% by banks (The Economist Intelligence
Unit, 2006)
In recent years, Automated Teller Machines (ATM), Tele Banking, Internet Banking, Credit and Debit
Cards, etc. have emerged as effective delivery channels for traditional banking products in Pakistan.
Foreign banks took the
12
lead by re-introducing credit cards to the Pakistani mass market in mid-
1990s. (State Bank of Pakistan, 2003)
This was followed by the domestic banks, which introduced ATM facility in late 1990s. However, this
delayed entry in e-banking may be largely explainable by regulatory hurdles, higher start-up costs, 38
ongoing banking sector reforms, and lack of technical skills.
At present, a number of commercial banks have set up their own standalone ATM networks, issuing
credit and debit cards, offering round the clock phone banking, and maintain comprehensive websites
providing detailed information on their conventional and e-banking products. Furthermore, all banks have
joined one of the two operating ATM Switch Networks (MNet and ATM Switch Network) and these two
switches are in process of linkage with each other. Haven linked these two switches, customers will have
access to over four hundreds ATMs throughout Pakistan.39 However, other e-banking activities are yet to
establish. In Pakistan, the ATMs generally allow cash withdrawals, balance information, PIN change, and
to print mini-statement. A few banks also provide fund transfers, check book request, and utility bill
payment facilities through their ATM networks.
2.4 METHODOLOGY
This is an exploratory research that evaluated different factors that why consumers in Pakistan are
reluctant to adopt e-banking. Data collection methods are an integral part of research design. Both
primary and secondary data are used in this research. Three research methods; surveys, case studies and
research articles had been used for this paper.
13
A questionnaire was developed to gather data from the banking consumers, which consisted of two
sections to which there were 145 respondents forming a “Non Probability Sample”. The sample data
consisted of 34 Online Banking users while 111 were non-users.
2.5 PROFILE OF RESPONDENTS:
The majority of the respondents were male (83.3%), young (73.7 %) were between the age of 18 and 30.
53.3 % of the respondents were employed, 36% were students and belonged to the income class between
RS 10,000 -20,000.
For the purpose of this project, two commercial and four national banks had
been analyzed.
Table 1. Age Profile of respondents
Frequen
cy
Percent
Valid
Percent
Cumulative Percent
Valid
18-25
years
78
53.8
53.8
53.8
26-30
Years
32
22.1
22.1
75.9
31-40
Years
24
16.6
16.6
92.4
41 &
Above
117
67.6
100.0
TOTAL
145
100.0
100.0
14
Table 2: Most important reasons for opening an internet account
Valid
Frequency
Percentage Agreeing
Better rates
13
38.2
Safety & security
16
47.1
Low services charges
13
38.2
Easy to maintain
transaction activity
19
55.9
Loan payment
information
10
29.4
Seeking product &
rate info
13
38.2
Download loan
application
12
35.3
Download personal
dank transactions
16
47.1
Check balance online
16
47.1
Frequency
Percentage Agreeing
Better rate & lower
service charges
79
71.2
Bank familiarity
82
73.9
Bank location
73
65.8
Security of transactions 79
71.2
Convenience
83
74.8
Quick service
81
73.0
Variety of features &
services
79
71.2
2.6 CONCLUSION
The findings reported here clearly indicate that at macro level whereby due to globalisation and a
demanding lifestyle, there is a strong need for having one stop online banking accounts. The analysis
therefore shows that the level of electronic readiness and participation is rather low for a population of
approximately 169 million in Pakistan.
It was also interesting to note the perceptions about prospective benefits regardless the limitations and
reasons for not adopting online banking. Although online banking is not yet ubiquitous in Pakistani
society but there is a very high potential and scope. It is about time that the Government, banks and
consumer realize that without adoption of the new emerging technologies such as e-banking they will lag
behind as pointed out by Andy Grove:
“You have no choice but to operate in a world shaped by globalization and the information revolution.
There are two options: adapt or die.” – Andy Grove, Chairman, Intel.
17
CHAPTER 3
SYSTEM ANALYSIS AND DESIGN
This chapter deals with the analysis and design of Online Banking, application of new system, the
hardware and software requirements for implementing the system and stating the choice of the language
used.
3.1 Defining a system:
A system is a collection of components, which are interconnected, and work together to realize some
objective. There are three major components in every system,
1. input
2. processing
3. Output.
18
Input
Output
3.2 Analysis
System analysis is a logical process; the objective of this stage is not actually to solve the problem but to
determine what must be done to solve the problem. The basic objective of the analysis stage is to develop
the logical model of the system using tools such as UML (Unified modelling language). First let’s take a
look at the existing and proposed system.
3.2.1 Existing System
Existing system is the traditional banking, where customers have to go through the long queue, time
wasted and still wouldn’t have access to efficient and effective banking system.
3.2.2 Proposed System:
Considering the stress and time taken to go to bank and do transaction. The development of a well
structure and secured online banking system will allow customer to perform objectives like, creating a
banking system that is easily accessible by customers from the comfort of their homes, offices 24/7.
19
Processin
g
Reduce the flow of human traffic and long queues at banks; Promote efficient and effective banking for
the banks by focusing on those services that still require physical presence at the banking hall. Provides
intra-bank funds transfer services to their customers. Keep a detailed log of customer transactions with
the bank on his account. Generate the statement of account of a selected period of time for customers.
And Provide a customer relationship services
3.3
UML DIAGRAM OF WEBTRUST
20
ONLINE BANKING (WEBTRUST BANK
PLC)
MANAGE
CUSTOMERS
MANAGE
ACCOUNTS
MANAGE
TRANSACTION
System
Customer
REGISTER
SIGN IN
OPEN AN
ACCOUNT
OPERATE AN
ACCOUNT
Customer
System
3.3.1 MAIN COURSE OF EACH USE CASE.
1. REGISTER (Actor: Customer)
Pre-condition: None
1.3Click Login
Post-condition: Access is granted to the user home page for the
customer
3. OPEN AN ACCOUNT (Actor: Customer)
transferred
During the implementation stage the system is physically created. Necessary programs are coded,
debugged and documented. A new hardware (where necessary) is selected, ordered and installed.
4.2 System Specification
1. The Hardware
2. Application Software.
3. Operating system
For successful operation of the package following must be kept in mind:
Too many packages should not be used, as very few systems may have all those packages installed due to
memory problem. Thus, the compatibility of the system developed will get reduced.
4.3 Hardware Requirements
Intel Pentium III processor at 750 MHz or faster, minimum of 1G available disk space for installation
(including IBM SDK), minimum of 512 MB memory, CD-ROM drive.
4.4 Software Requirements
Software tools used
IDE: Net Beans 6.1
28
Language: Java
The application software is developed in Java, and the central database is based on MS SQL Server 2000.
The system can be accessed on a standalone computer.
Implementation
A.) Create a DataSourceName(DSN)
To Create a DSN, You need to perform following steps:
1. You need to first open the Control Panel window.
2. double click Administrative Tools icon.
3. To open the ODBC Data Source Administrator dialog Box, double click the Data sources ODBC icon. The
following figure shows the ODBC Data Source Administrator dialog Box:
29
ODBC Data Source Administrator Dialog Box
4. Click the Add button to select a driver for creating a DSN.
5. To connect to SQL Server 2000, select the SQL Server Options from the
name list box in the Create New Data Source Dialog Box.
6. Click the Finish button to complete the task of selecting the driver for
creating a DSN.
B.) Specify the Connection details for the DSN
1. To Create a DSN, type the name of the data source in the name text box of the Create a New Data Source
to SQL Server dialog Box as shown in the following figure.
30
2. To select the required SQL Server select the name of the SQL Server
from the Server drop down list and click the Next button.
3. To indicate how the SQL Server should authenticate a login ID, select with the SQL Server authentication
using a login ID and a password entered by the user option. The login ID and the password entered by the
user option. The Login ID and Password textboxes becomes active as shown in the following figure.31
4. Type the username and password in the text boxes and click Next.
5. To enable the database drop-down list, select the change the default
database to options.
6. To select the required database select the name of the database from
the drop down list and click Next button.
7. Select the language for the System messages to English and click
Finish.
32
8. The ODBC Microsoft SQL Server Setup dialog box appears with all the
details about the created DSN as shown in the following figure.
9.To test the created DSN for the connection with the database, click Test
Data Source button, the message regarding the connectivity test
appears.
10.Click Ok to save the Configuration settings for the new data source.
33
11.To verify that the DSN is created, check the name of the Created DSN in the user data source list box of
the ODBC Data Source Administrator dialog box and click Ok. The following figure shows the ODBC
Data Source Administrator dialog box.
34
Schematic Diagram of Database depicting the Data Types used and relationships among them with
Database views. Each of these diagrams represents the tables that would be created and would be worked
along with. The database that would be used depends on the Data Source that is created by the
administrator linking to its preferred Database.
35
36
37
38
39
4.6 Recovery & Security
A forced system failure is induced to test a backup recovery procedure for file integrity. Inaccurate data
are entered to see how the system responds in terms of error detection and protection. Related to file
integrity is a test to demonstrate that data and programs are secure from unauthorized access.
Usability Documentation & Procedure:
The usability test verifies the user-friendly nature of the system. This relates
to normal operating and error-handling procedures.
4.7 Quality Assurance
Proper documentation is must for mainframe of any software. Apart from In- line documentation while
coding. Help coding, help files corresponding to each program were prepared so as to tackle the person-
dependency of the existing system.
40
CHAPTER 5
RESULT AND CONCLUSION
This section discuses the result of the work done in this project And also
mentions the future scope for improvement.
5.1 Conclusion
As the world becomes more of a global village being runned by paperless systems, the idea of a cashless
society is the hope of the future. Thus more innovations will still evolve which will make cashless
transactions easily accessible and affordable.
5.2 Future Scope of Improvement
The “Banking Online System is a big and ambitious project. I am thankful for being provided this great
opportunity to work on it. As already mentioned, this project has gone through extensive research work.
On the basis of the research work, we have successfully designed and implemented banking online
System. This system is based upon 2-tier client server architecture. The tools used for development were
as follows.
Front-end-----Net beans 6.0.1
Back-end----MS SQL Server 2000
41
5.3 Annexure A Sample forms
Home Page
42
Customer Information
43
Viewing Signature form
44
Viewing Sign-In Page
45
Withdrawal Views
51
Fund Transfer Views
52
PROGRAM LISTING
53
// createAccount.jsp
<%
String userid = "";
try
{
FileInputStream fis = new FileInputStream("C:\\regno.txt");
%>
<HTML><HEAD><TITLE>Signature Form</TITLE>
<DIV id=layer2
<DIV id=layer3
HEIGHT: 64px">
<DIV id=layer5
height=70
<DIV id=layer6
border=0></DIV> </DIV>
<DIV id=layer7
<DIV id=layer8
<DIV id=layer12
left> </TD></TR></TBODY></TABLE></DIV>
<DIV id=layer13
</td>
</TR></TBODY></TABLE></DIV>
<P> </P></DIV>
<DIV id=layer9
Copyright
<tr>
<td valign="top">
imen
Signature form</font></b></p>
<tr>
<td width="177">
<p align="center"><font
passport Here</font></td>
<td> </td>
</tr>
<tr>
<table border="0" width="104%"
id="table29" height="103">
61
<tr>
<td width="113">
<p align="left">
<font face="Tahoma"
size="2"> User id:</font></td>
<td>
<font face="Tahoma" size="2">
<input type="text"
readonly="true" name="txtUserId" value="<%=userid%>"
size="26"></font></td>
</tr>
<tr>
<td width="113">
<font face="Tahoma"
<td>
<font face="Tahoma"
size="2" color="#004E9B">
Enter your choice
</tr>
<tr>
<td width="113">
62
<font face="Tahoma"
size="2"> Password:</font></td>
<td>
<font face="Tahoma" size="2">
<input
ont></td>
</tr>
<tr>
<td width="113">
<font face="Tahoma"
size="2">Confirm Password:</font></td>
<td>
<font face="Tahoma" size="2">
<input
type="password" name="txtCPass" size="26"></font></td>
</tr>
</table>
<p><b><font face="Tahoma"
size="2" color="#004E9B">NOTE:
</font></b><font face="Tahoma"
size="2">Don't forget
your userid, password and the
access code that
63
will be sent to your
inbox. You will
always need them to login. While
your account number
will be used to access and operate
</tr>
<tr>
<td width="177"
<td height="39">
<p align="center">
bmit">
Finish</button>
</tr>
</table>
</td>
</tr>
</table>
64
</form></td>
</DIV>
<P> </P></DIV>
<P> </P></DIV>
<P align=center> </P></DIV>
</BODY></HTML>
65
REFERENCES
1. Ayo Charles. K and Babajide Daniel O, 2006, Designing a Reliable E-
payment System:
2.www.google.com
3. www.wilkipedia.com
4. Nigeria a Case Study, Journal of Internet Banking and Commerce, vol.
11, no.2
5.Ali Ahmad, 2006, Policies & Regulations for Expanding e-banking to
the Poor, The First Microfinance Bank Ltd, Pakistan, 5
6.Dr. Shamshad Akhtar, 2006, Financial Sector of Pakistan – The
http://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9
616&title=Overview+of+ecommerce+
in+Pakistan&categoryid=30&channelid=4, Accessed 18/06/07
9. Zorayda Ruth B. Andam, 2003, e-commerce and e-business, e-Asean
Taskforce UNDP-APDIP, Phillipines & Malaysia, 23
67
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Category:
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Rated:
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Online Banking System is a complete documentation of a banking application.
pak banks
connection network
early stages
switch connection
outputs
making online
bill payments
(more tags)
pak banks
connection network
early stages
switch connection
outputs
making online
bill payments
basic requirement
banks atm
doucement
(fewer)
ifeanyi_osi
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68 p.
80 p.
15 p.
2.
123 p.
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