DESIGN AND IMPLEMENTATION OF MOBILE BANKING SYSTEM A CASE STUDY OF UBA BANK PLC ENUGU

ABSTRACT

          SMS banking is a technology-enabled service offering from banks to its customers, permitting them to operate selected banking services over their mobile phones using SMS messaging. SMS banking services are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer’s mobile phone, without the customer initiating a request for the information. Typically push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer’s bank account, such as a large withdrawal of funds from the ATM or a large payment using the customer’s credit card, etc. (see section below on Typical Push and Pull messages).

The bank’s customer is empowered with the capability to select the list of activities (or alerts) that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the internet banking channel or through the bank’s customer service call centre.

TABLE OF CONTENTS

Title page

Approve

Dedication

Acknowledgement

Abstract

Table of contents

CHAPTER ONE

1. Introduction
   1. Statement of the problem
   1. Purpose of the study
   1. Delimitation of the study
   1. Limitation of the study
   1. Significance of the study
   1. Definition of terms
   1. Assumption

CHAPTER TWO

• Review of related literature

CHAPTER THREE

• Description and analysis of the existing system
  • Fact finding
  • Organization structure
  • Objective of the existing system
  • Input/output analysis
  • Analysis of the existing system
  • Information flow diagram
  • Problem of the existing system
  • Justification of the new system

CHAPTER FOUR

• Design of the new system
  • Output/input specification and design
  • Database design
  • Procedure chart
  • System flowchart
  • System requirement

CHAPTER FIVE

• Implementation
• Documentation
• Recommendation and conclusion

CHAPTER ONE

1.0     INTRODUCTION

          Mobile banking is a term used for performing balance checks, account transactions, payments etc. via a mobile device such as a mobile phone. Mobile banking today (2007) is most often performed via SMS or the Mobile Internet but can also use special programs called clients downloaded to the mobile device. In one academic model,^[1] mobile banking is defined as:

“Mobile Banking refers to provision and availability of banking- and financial services with the help of mobile telecommunication devices. The scope of offered services may include facilities to conduct bank and stock market transactions, to administer accounts and to access customized information.”

According to this model Mobile Banking can be said to consist of three inter-related concepts:

• Mobile Accounting
• Mobile Brokerage
• Mobile Financial Information Services

Most services in the categories designated Accounting and Brokerage are transaction-based. The non-transaction-based services of an informational nature are however essential for conducting transactions – for instance, balance inquiries might be needed before committing a money remittance. The accounting and brokerage services are therefore offered invariably in combination with information services. Information services, on the other hand, may be offered as an independent module.