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Synopsis

ON
E- BANKING PROJECT

Submitted in partial fulfillment of the requirement


For the award of the degree of

BACHELOR OF COMPUTER APPLICATIONS

SESSION (2015-2016)

Under the guidance of Submitted by:


Name of External guide (Designation) AKHIL KUMAR SINGH
PROF. MANISHA VERMA (IT) ERP I.D.: 0161BCA010
Batch: BCA 2016-19

DOON BUSINESS SCHOOL, DEHRADUN

AFFILIATED TO
HNB UNIVERSITY, SRINAGAR
SYNOPSIS
ON
E-BANKING PROJECT

Submitted in partial fulfillment of the requirement


For the award of degree of

BACHELOR OF COMPUTER APPLICATIONS


Of

HNB University, SRINAGAR


Session-(2016- 19)

By
AKHIL KUMAR SINGH
ERP i.d. 0161BCA010
Batch 2016 – 19

Under the guidance of

PROF. MANISHA VERMA (IT)


Name of lnternal Guide (Designation)
DOON BUSINESS SCHOOL, DEHRADUN

Certificate issued from the organization on their letterhead.


Acknowledgement

I would like to express my sincere gratitude and regards to my external guide Mr./Mrs.-

for his/her constant inspiration, supervision and invaluable guidance during the training.

At last I would also like to extend my sincere gratitude to all my faculty

members and specially Mrs. MANISHA VERMA (Internal Guide) for giving their

valuable suggestions.

With regards

Signature of Student

(Sign of HOD) (Sign of Internal Guide)


Table of Content
 ABSTRACT

 INTRODUCTION

 Project scope

 Objectives of the proposed system

 Feasibility study

 System Specification

 Conclusion
ABSTRACT

“E-banking”- The execution of financial services via internet, reducing cost and
increase in convenience for the customer to access the transaction. e- banking is an
umbrella term for the process by which a customer may perform banking transactions
electronically without visiting a brick-and-mortar institution. The following terms all
refer to one form or another of electronic banking: personal computer (PC) banking,
Internet banking, virtual banking, online banking, home banking, remote electronic
banking, and phone banking. PC banking and Internet or online banking are the most
frequently used designations. It should be noted, however, that the terms used to describe
the various types of electronic banking are often used interchangeably.
The ever increasing speed of internet enabled phones & personal assistant, made the
transformation of banking application to mobile devices, this creative a new subset of
electronic banking i.e. mobile banking. In 1999 & 2000 mobile banking as an established
channels, still seems to be a distant prospect.
The internet is revolutionizing the way the financial industry conducts business online,
has created new players who offer personalize services through the web portals. This
increase to find new ways and increase customer loyalty to add the value to this product
and services.
Banks also enables customers lifestyle needs by changing and increasing preference for
speed and convenience are eroding the traditional affinity between customer and branch
offices as a new technology disinter mediates traditional channels, delivering the value
proposition hinges on owing or earning the customer interface and bringing the customer
a complete solution which satisfies their needs. Smart card is a new trend which provides
the opportunity to build an incremental revenue stream by providing an ideal platform
for extended application and services. Banks are well positioned to play central role unit
in future M-commerce market. Banks have strong relationships with corporate and
business customers and a wide experience in providing them with corporate banking
services. Bank provides a multimedia of small and large retailers with acquiring
functionality in credit card transactions. Customers have trusted relationships with banks
and a lower propensity to switch banking providers.
INTRODUCTION
E-banking is the wave of the future. It provides enormous benefits to consumers in
terms of ease and cost of transactions, either through Internet, telephone or other
electronic delivery. Electronic finance (E-finance) has become one of the most essential
technological changes in the financial industry. E-finance as the provision of financial
services and markets using electronic communication and computation. In practice, e-
finance includes e-payment, e-trading, and e-banking.

compared with overall World Wide Web traffic growth of 19.8 per cent over the same
period. Another source estimated that the share of United States households using Internet
banking will increase from 20 per cent in 2001 to 33 per cent in 2005, and that by 2010
there might be 55 million users.
Internet banking operations currently represent between 5 per cent and 10 per cent of the
total volumeof retail banking transactions both in the United States and in Europe. This
is less than the share of Internet securities trading, estimated at between 20 and 25 per
cent of the total, but much more than . toverall business to-consumer (B2C) e-commerce,
which represent leaa then total 2 % of the retail trade
PROJECT SCOPE
The project’s aim is to automate the system,pre-checking the inclusion of all required
material and automatically process the transactions used in a banking. The criterions
which include over here is to creation of an account and its all respective perspectives.
The data used by the system is stored in a database that will be the centre of all information
held about the customer and the base for the remainder of the process after initial signing
up been made. This enables things to be simplified and considerably quickened ,making
the jobs of the involved people easier. It supports the current process but centralizes it
and makes it possible for decisions to be made earlier and easier way.
The main goal of the system is to automate the process carried out in the bank with
improved performance an realize the vision of paperless banking. some of the goals of
the system are listed below:-

 Manage large number of customer details with ease.

 Manage all details of the student who are registered with the bank and send appropriate details
about latest policy of the bank to each of its customer.

 Create customer account and maintain its data efficiently and effectively.

 View all the details of the customer.

 Create a statistical report to facilitate the finance department work.

 Activities like updating, modification, deletion of records should be easier.


OBJECTIVES OF THE PROPOSED SYSTEM
The aim of the proposed system is to address the limitations of the current system
.The requirements for the system has been gathered from the defects recorded in
the past and also based on the feedback users of the previous metrics tools.

The development of the new system contains the following activities which try to automate
the entire process keeping in view of the database integration approach. Following are
the Objectives of the proposed system:

1. The administrators have grates accessibility in collecting the consistent information that is very
much necessary for the system to exist and coordinate.
2. The system at any point of time can give the customers information related to their
 Accounts and accounts status
 The balance enquiry
 The fund transfer standards
 The cheque book request
3. The system can provide information related to the different types of accounts that are existing
within the bank.
4. The system can provide the bank administration with information on the number of customers who
are existing in the system.
5. The system at any point of time can provide the information related to the executed transactions
by the customer.
6. The system with respect to the necessities can identify all the history details of the trial participants
along with their outcome of the results.
7. The system with respect to the necessities can provide the status of research and development
process that is under schedule within the organization currently.
FEASIBILITY STUDY
A significant transformation in banking system has occurred in the world. The online
system of banking and improvements has been made through recognizing difficulties
encountered by the customer and the authority.
Both qualitative and quantitative research, through parent/career surveys. Focus groups
and staff training sessions have influenced the online process. As a result this had
produced an efficient and user friendly system, that relies on an effective online form,
but on the coordination between ban and its customer.
A comprehensive feasibility study of social, economical and technical aspects has also
been made and implemented as below:-
 Social Feasibility
 It has simplified the banking procedure.
 Customers and banking authority had a huge acceptance to the notion.
 It had a good social impact and no objections or problems regarding the project
is found

 Economic Feasibility
 The project is economically Feasible since we are getting ample economic
support required for the project from banking authorities.

 Technical Feasibility
 Minimum requirement for execution of the project is a java supporting operating
system since the connection to the database will be made using JSP and
SERVLETS,minimum of 64 MB of RAM, a database software, a server and a
web browser with which we were previously equipped.
System Specification

SOFTWARE SPECIFICATION
 Client on Internet: Web browser(any),operating system(any)
 Client on Intranet: Client software, Web Browser, Operating System (any)
 Web server: Apache Tomcat or Glassfish, Operating System(any)
 Database Server: MS-access, Operating System(Microsoft Windows<any
version>)
 Development End: Net beans (J2EE, Java, Servlets, JSP), MS-Access (DB tool).

HARDWARE SPECIFICATION
CLIENT SIDE :-
PROCESSOR RAM DISK SPACE
INTERNET PENTIUM II at 500 64 MB 500 MB
EXPLORER 6.0 MHz

SERVER SIDE :-
APACHE TOMCAT PENTIUM III at 512 MB 1GB
1GHz
MS-ACCESS PENTIUM III at 512 MB 512 MB
1GHz
CONCLUSION
Thus reaching to the conclusion of our project we observe that Traditional banks offer
many services to their customers, including accepting customer money deposits,
providing various banking services to customers, and making loans to individuals and
companies. Compared with traditional channels of offering banking services through
physical branches, e-banking uses the Internet to deliver traditional banking services to
their customers, such as opening accounts, transferring funds, and electronic bill payment.
E-banking can be offered in two main ways. First, an existing bank with physical offices
can also establish an online site and offer e-banking services to its customers in addition
to the regular channel. For example, Citibank is a leader in e-banking, offering walk-in,
face-to-face banking at its branches throughout many parts of the world as well as e-
banking services through the World Wide Web. Generally, e-banking is provided without
extra cost to customers. Customers are attracted by the convenience of e-banking through
the Internet, and in turn, banks can operate more efficiently when customers perform
transactions by themselves rather than going to a branch and dealing with a branch
representative.
E-banking services are delivered to customers through the Internet and the web using
Hypertext Markup Language (HTML). In order to use e-banking services, customers need
Internet access and web browser software. Multimedia information in HTML format from
online banks can be displayed in web browsers. The heart of the e-banking application is
the computer system, which includes web servers, database management systems, and
web application programs that can generate dynamic HTML pages.
One of the main concerns of e-banking is security. Without great confidence in security,
customers are unwilling to use a public network, such as the Internet, to view their
financial information online and conduct financial transactions. Some of the security
threats include invasion of individuals' privacy and theft of confidential information.