18028736 online banking system

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CHAPTER 1

1.0 INTRODUCTION

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 makelife 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:

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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 itto 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 improvinginformation 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 Internetbanking 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.

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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.

A particularly popular aspect of online banking services is the ability to make

bill payments electronically. With a minimum degree of set-up, customerscan enter the amounts of their paper bills (or opt to receive electronic bills)

and process all their payments at one time, from one screen

1.4 SCOPE OF THE STUDY

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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:

Feasibility study understanding and identifying of existing system and

associated study.

Analysis proper analysis and suggested solution to tackle such

problems will be considered.

Design designing the new system will be achieved through an object

oriented software tools (UML).

Coding this is implemented as a 3tier architecture model using java

language. The 3 layers of the application are as follows.

1, Java server pages / html pages front end

2, Java server pages / servlets middle end

3, SQL server as the back-end

1.6 MODE OF OPERATION

WEBTRUST will contain self explanatory hyperlinks that customers can click

to make any request or perform a task.

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If a customer clicks on account opening links, he is taken to page where he

fills a form and clicks the submit button if he is through. A successful filling of

the form gives a response that confirms the customer account is open and

activated. Thus such a customer can receive money into such an account

through funds transfer. Account details are sent by the bank to the

customers email box.

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

/www.webtrust.com

HomeServices Contact

.

WEBTRUST

Server

(Web server)


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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

IDE: Net Beans 5.5

Language: Java

Web Server: Apache Tomcat 5.0

Web Technology: JSP/Servlet

Database: Ms Access / SQL Server

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CHAPTER TWO

LITERATURE REVIEW

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

banks computer over the internet. Using telephone banking, the customercan 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 customers 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

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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:

Brazil have 75% of enterprises, excluding micro-enterprises using the

Internet for banking in 2005.

Morocco (34.9%). (United Nations Conference on Trade and

Development, 2006),

There is an increasing growth of online banking, indicating a promising

future for online banking in these countries.

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

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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 todays 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.

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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.

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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 countrys 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 utilitybills 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

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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.

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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

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Table 2: Most important reasons for opening an internet account

Valid

Frequency Percentage AgreeingBetter rates 13 38.2Safety & security 16 47.1Low services charges 13 38.2Easy to maintain

transaction activity 19 55.9Loan payment

information

10 29.4

Seeking product &

rate info 13 38.2Download loan

application

12 35.3

Download personal

dank transactions 16 47.1Check balance online 16 47.1Consumer loans &

credit cards

applications

16 47.1

Inter account transfer 13 38.2Online bill payments 13 38.2

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Table 3: Reasons for not opening an online bank account

Frequency Percentage AgreeingNever had of internet

banking 33 29.7Dont know whether my

bank offers this facility 51 45.9No time to open such

account 38 34.2Dont see any real value 52 46.8Would like to see how it

works before 51 45.9Not available through

my bank 45 40.5Concerned about

security

42 37.8

Table 4: Important factors for non-users in choosing online banking

facilities

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Frequency Percentage AgreeingBetter rate & lower

service charges 79 71.2Bank familiarity 82 73.9Bank location 73 65.8Security of transactions 79 71.2Convenience 83 74.8Quick service 81 73.0Variety of features &

services

79 71.2

2.6 CONCLUSION

The findings reported here clearly indicate that at macro level whereby dueto 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 isa 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.

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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.

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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 lets 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 wouldnt 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.

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Processing


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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

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ONLINE BANKING (WEBTRUST BANK

MANAGE

CUSTOMERS

MANAGE

ACCOUNTS

MANAGETRANSACTION

System

Customer

REGISTER

SIGN IN

OPEN AN

ACCOUNT

OPERATE ANACCOUNTCustomer

System


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3.3.1 MAIN COURSE OF EACH USE CASE.

1. REGISTER (Actor: Customer)

Pre-condition: None

1.1Navigate to the Registration page

1.2Fill the registration form

1.3Submit the form

Post-condition: Get instant message that customer profile is created

and login details is sent to inbox

2. SIGN IN (Actor: Customer)

Pre-condition: Register as a Customer

1.1Navigate to sign in page

1.2Enter login details

1.3Click Login

Post-condition: Access is granted to the user home page for the

customer

3. OPEN AN ACCOUNT (Actor: Customer)

Pre-condition: Login as a customer

1.1Click the create account button on the user home page

1.2View the create account page

1.3Enter account name for the new account

1.4Select account type for the new account

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1.5Click submit button

Post-condition: The new account is added to the accounts list on user

home page

4. OPERATE AN ACCOUNT (Actor: Customer)

Pre-condition: Login as a customer

1.1Select the account to operate in the list of accounts

1.2Click the desired operation such as deposits, withdrawals , funds

transfer and statement of account

Post-condition: Access is granted to the appropriate transaction page

for the selected account

5. MANAGE CUSTOMERS (Actor: System)

Pre-condition: None

1.1Create customer inbox

1.2Generate customer login details

1.3Sends details to inbox

Post-condition: Customer can check his login details in his inbox.

6. MANAGE ACCOUNTS (Actor: System)

Pre-condition: None

1.1Generate account details

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1.2Send details to customer inbox

Post-condition: Customer details such as account no, access code etc

is sent to inbox.

7. MANAGE TRANSACTIONS (Actor: System)

Pre-condition: None

1.1Execute transaction instructions

1.2Updates customer account

1.3Generate account balances

Post-condition: Customer sees the current state of account on the user

home page

3.4 UML DIAGRAM FOR OPERATING AN ACCOUNT

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OPERATE AN ACCOUNT (WEBTRUST BANK

PLC

DEPOSITSWITHDRAWA

LS

FUNDS

TRANSFERSTATEMENTOFCustomer System

Clickaccount


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3.4.1 MAIN COURSE OF EACH USE CASE.

8. DEPOSIT (Actor: Customer)

Pre-condition: Select the account to operate

1.1Navigate to the Deposit form page

1.2Fill the deposit slip

1.3 Submit the slip

Post-condition: Selected account is credited appropriately

9. WITHDRAW (Actor: Customer)

Pre-condition: Select the account to operate

1.1Navigate to Withdrawal form page

1.2 Fill the withdrawal slip

1.3 Submit the slip

Post-condition: The selected Account is debited and it can be viewed

by clicking on the statement of account which displays all the

transaction

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10.FUND TRANSFER (Actor: Customer)

Pre-condition: Select on the account on which the fund is to be

transferred

1.1Navigate to the Fund transfer form page

1.2Fill the fund transfer slip

1.3Submit the slip

11.STATEMENT OF ACCOUNT: (Actor: Customer)

Pre-condition: Click on the account on which the statement is to be

viewed

1.1 Navigate to the Statement of Account form page

1.2View the transactions of the selected account

3.5 ENTITY RELATIONSHIP(ER DIAGRAM) OF THE TABLES USED

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CHAPTER 4

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IMPLEMENTATION

4.1 System Implementation

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

Every computer system consists of three major elements.

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

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Language: Java

Web Server: Apache Tomcat 6.014

Web Technology: JSP/Servlet

Database : Ms SQL Server 2000

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 ODBCData Source Administrator dialog Box:

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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.

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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.

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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.

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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.

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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.

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Displaying the webtrust Data Source created.

The Data Source is then used in the Login Process, to access specific tables

in the database.

4.5 SCHEMATIC DIAGRAM OF DATABASE

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.

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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.

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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

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5.3 Annexure A Sample forms

Home Page

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Customer Information

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Viewing Signature form

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Viewing Sign-In Page

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Welcome Login Account Page

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Account Details

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BioData

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Statement of Account

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Deposit Views

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Withdrawal Views

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Fund Transfer Views

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PROGRAM LISTING

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// createAccount.jsp


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int byteread = fis.read(bytearray,0,avail);

userid = new String(bytearray).trim();

}

catch(IOException ioe)

{

out.println(ioe.toString());

}

%>

Signature Form

.ms-contemp-main {

BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-

STYLE: none; BORDER-BOTTOM-STYLE: none

}

.ms-contemp-tl {

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BORDER-RIGHT: white 2.25pt solid; BORDER-TOP: white 2.25pt solid;

FONT-WEIGHT: bold; COLOR: black; BORDER-LEFT-STYLE: none; BORDER-

BOTTOM-STYLE: none

}

.ms-contemp-left {

BORDER-RIGHT: white 2.25pt solid; BORDER-TOP: white 2.25pt solid;

FONT-WEIGHT: normal; COLOR: black; BORDER-LEFT-STYLE: none; BORDER-

BOTTOM-STYLE: none

}


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Specimen

Signature form

Fix

passport Here

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User id:

Enter your choice

password

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Password:

Confirm Password:

NOTE:

Don't forget

your userid, password and the

access code that

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will be sent to your

inbox. You will

always need them to login. While

your account number

will be used to access and operate

your account.

Finish

Cancel

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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

Roadmap, Dawn Asia Finance Conference.

http://www.sbp.org.pk/about/speech/governors/dr.shamshad/2006/Daw

n-Asia-Finance-Conference-13-May-06.pdf

7. Salimon Alao (2006): Moving towards a cashless economy, Financial

Standard, vol 7, no: 60, pp 19-21, June 2006.

8. The Economist Intelligence Unit, Nov 2006 Overview of e-commerce in

Pakistan,

66
http://www.google.com/http://www.google.com/


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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
http://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9616&title=Overview+of+ecommercehttp://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9616&title=Overview+of+ecommercehttp://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9616&title=Overview+of+ecommercehttp://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9616&title=Overview+of+ecommerce

18028736 online banking system

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