ABSTRACT
This project work is concerned with the use of the Internet in banking
operations, a case study of the All State Trust Bank Plc Enugu.
The Internet in acts over evolving
state is becoming a serious method of business communication and data transfer
worldwide. As such banks and other financial institutions are beginning
to use the Internet as new vehicle for doing business. The Internet
allows banks to offer both new services and level of convenience for existing
services and allowing the consumers and customers to interact from any computer
capable of making appropriate connections.
The technological developments have
made most banks and other financial institutions to be more responsive to
change and it is imperative to adopt the latest technology in order to maintain
operational efficiency as a means of warding off competitive threat, to
increase speed of transaction, improvement of customer’s convenience by
reducing barriers to entry into payment systems and retail banking.
TABLE
OF CONTENTS
Title page
Approve
Dedication
Acknowledgement
Abstract
Table of contents
CHAPTER
ONE
1.0
Introduction
1.1
Statement of the problem
1.2
Purpose of the study
1.3
Delimitation of the study
1.4
Limitation of the study
1.5
Significance of the study
1.6
Definition of terms
1.7
Assumption
CHAPTER
TWO
2.0
Review of related literature
CHAPTER
THREE
3.0
Description and analysis of the existing system
3.1
Fact finding
3.2
Organization structure
3.3
Objective of the existing system
3.4
Input/output analysis
3.5
Analysis of the existing system
3.6
Information flow diagram
3.7
Problem of the existing system
3.8
Justification of the new system
CHAPTERF
FOUR
4.0
Design of the new system
4.1
Output/input specification and design
4.2
Database design
4.3
Procedure chart
4.4
System flowchart
4.5
System requirement
CHAPTER
FIVE
5.0
Implementation
6.0
Documentation
7.0
Recommendation and conclusion
CHAPTER
ONE
1.0 INTRODUCTION
The greatest innovation that has
taken place in the twenties century is in the realm of information technology.
This is currently made possible by the introduction of the digital computers,
which has been observed in the field of communication to be increasingly
inseparable from communication to be increasingly from communication. This
linkages often referred to as convergence is risen driven by technology and
amplified by business trends the technology and business, foster growth in
network systems that use communication links to connect subsidiary system
(nodes) which may send, receive, direct and redirect information to, fro,
sender and receiver.
Taking of the Internet a couple of
years ago would have sound link a fair table but today the Internet is
pervasive in almost every field of human endeavor changing the fundamentals of
how are conduct national as well as international businesses. Few years of
existence, the internet has shown that it can sliver the long sought after goal
of electronic commerce.
It is worth noting that companies in
developed countries world – wide have recognized the business potential of the
internet and are getting connected to the network of networks in their million.
The financial Institution (Bank) is
one of such organizations. Banking constitutes one of the most prominent life
wire for socio – economic growth and development in any given nation. It
support and assists in the supply of long and short term loan accept both
current saving and fired deposits both foreign transaction, advice and
facilitates transactions between client, workers, agents, firms, buyers, and
sellers by providing payment services not excluding the issue of undertaking
risk on behalf of their client, only to mention but few.
The Internet housing founds its
application and acceptance in the banking profession has particularly put the
banking industry on an accelerating pace of development. The Technological high
may (Internet) has become an enable in achieving high level productivity and in
handling volumes of transaction which would have been impossible without the
use of On – line banking (E – Commerce)
This technology facilities linkage
with clients both through the provision of information and quality service
delivery as well in reducing barriers to entry into payment system and retail
banking. Internet banking allows clients to engage in formal transaction
relationship, which would have taken long distance travel or movement of
document with the attendant risk of loss. With the On – line banking (Internet)
you can at your convenience at home and at any time, review balances and
transaction services and contact customer services but just to mention but few.
An over view of the benefit and prospects of the On – line banking suggest that
for banks to be relevant to their customers in terms of the services they
provide in the twenty first century and in the future most append this services
provide by E – Commerce in the banking system in order to stay in competition.
Now that an on –line banking is the on thing bank should get up and invest in
internet Technology to reap bounteously the benefit accruing from Internet
banking.
1.1 STATEMENT OF
PROBLEM.
The advances in the world of
information technology it is almost recorded on a daily basics, consequently,
rendering former communication equipment obsolete as people tilt towards the
use of improved electronics that support E – commerce made possible through the
use of the internet in the banking sector.
Although a significant improvement
has been recorded in the use and development technology in the banking industry
over the last decade. Most banks are still far from implementing
technology-based strategies able to see them through competition in banking
markets. This may be as a result of lack of awareness, the inability to
evaluate the benefit derived from the use of the recent technological
development (Internet) and capital shortage that may hamper the design and
subsequent implementation of the technological tool hence denying customer of
this advances services and their flexibility choice and convenience associated
with the Internet banking.
The advantages offered by these toll
calls for a review of an existing automated system and subsequent design and
implementation of interactive web-site to improve the existing system
1.2 PURPOSE OF THE
STUDY
- To investigate the lacks of the current automated system in term of modern technology appliances that support Internet banking services and suggest ways of updating them.
- To design a friendly web site that graphically advents goods and services provide by the institute on web pages.
- To improve in the speed effectiveness, efficiency and convenience in business transaction.
- To carry out a feasibility study on the organization for the purpose of installing an on link banking.
- To design and implement a computer software to solve this problems and rendering the services.
1.3 DELIMITATION
This study and subsequent design of
the computer software is limited to the (All State Trust Bank) Enugu.
Although limited to the above organization. The finding design and implementation
of the software is likely to be applicable to other owned organization.
1.4 LIMITATION OF
THE STUDY
Hard time is not new phenomena to an
ordinary Nigeria but to the student researcher, it is even worse time and
finance posed a lot of constraints to the work..
Consequently, difficulties were
encountered during the collection of primary data. Most of the administration
system engineers and clerk visited reluctantly refused interview for one reason
or the other and being referred to and fro, the organization from one personnel
to the other not excluding even security men.
Books related to this topic are
relatively scarce and could only be gotten from the Internet, which took a lot
of time and money.
However with persistence and
perseverance reasonable facts were finally obtained.
1.5 SIGNIFICANCE
OF THE STUDY
The study and subsequent design and
implementation of this program will be of immense use to the organization, the
administration and the customers in realizing the long south goal of speed,
efficiency, effectiveness and convenience the program take care of those
factors that militated against the smooth running operation of the organization
using the on-line services. Provided by the web.
Better still scholars who intend to
carry out subsequent research could have this as base from where improvement
could be made.
1.6 DEFINITION OF
TERMS
INTERNET
The Internet is global network of computers.
LAN
Local Area Network
MAN
Metropolitan Area Network
WAN
Wide Area Network
NT
Network Termination
PIN
Positive Intrinsic Negative
WEB
The nearest and friendliest face of the Internet made of pages of information.
Virtual
World As electronic stimulation experience all a head
mounted eye goggle and wire dating enabling the end use to internet in
realistic these dimensional situation.
ANALYSIS:
The methodically investigation of a problem involving the separation of the
problem into smaller related unit for further solving
Computer Base: Computer
oriented problem solving
FORMAL:
The arrangement of data
SOFTWARE: A
set of logical instruction designed for the computer.
FILE:
Is made up of fields and records
DATA BASE: Set of
several permanent files integrated into a single file, which is available for
many different uses.
PROCESS:
A systematic sequence of operation
PROGRAM:
Series of instruction that is given to the computer.
COMPUTER: Is
an electronic device capable of accepting inputs, processing, storing and
outputting information.
NETWORK:
The inter-connection of computers.
WINDOWS:
A type of operating system
REAL TIME: A
computer that gives immediate result of the process data
ON –
LINE:
That can be access at any given time.
PASSWORD: A
set of codes that give you access to a computer resources..
E-BANKING: Banking
does with the computer means of transferring data.
TELE METRIC The use of
telephone line couple with the computer in providing services.
CD
ROM Compact
disk read only memory.
1.7 ASSUMPTION
Having completed the study the
following assumption was made in running the program.
- That the customer has account 10
- The password
- The card pin and other relevant data for E – commerce validation.
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