Assignment on Mobile Banking in Bangladesh2003
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Assignment on Mobile Banking In Bangladesh
MIS305
Section-7
Submitted to:
Md. Ziaul Haque Lecturer,Department of Business Administration East West University
.
Submitted by:
Md. aeedul alam !""#$%$%"$"&&
Md. Mon'ure Mores(aed Masu) !""*$!$%"$%""
Md. +aysal )air !""-$!$%"$"*
/annatul +erdous !""*$%$%"$%%!
0anvir A(med Ullas( !""#$!$%"$%!&
Md. Anis Uddin Mia( !""1$&$%"$"#2
Submission Date: 8thAugust 2011
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Acknowledgement
2n t(is modern 3orld moile p(one (as ecome an indivisile part of our day to day life. 4ariousdi5ital equipments suc( as moiles, computers etc are ma)in5 once$cumersome 3or)s far
simpler and quic)er. 0o cope 3it( t(e speedy 3orld it is not desirale to stand in t(e queue for(ours to perform a simple transaction in t(e an).
At present 3e can 5ive ills, conduct money transfers, 5et current account information etc. t(ruonline an)in5. But for t(at 3e need a computer 3it( an internet connection. But 3(y do 3eneed a computer to do a 'o t(at can e easily done y our moile. 0(at6s 3(ere our pro'ectcomes in. Usin5 our system a customer can pay ills, collect account information, transfermoney to anot(er account etc. all y (is small moile set. And most attractive t(in5 is t(at (e cando t(is any3(ere anytime say li)e 3(en (e is stuc) in a traffic 'am.
2n all telecommunication system t(e media of communication is t(e most important t(in5.
2n many countries moile an)in5 is done y M. But t(is system (as some do3nsides and t(e3orst of t(em is t(e (u5e amount of M t(at (as to e parsed and stored. 0(ere are also somesecurity (oles, as all t(e M are 5oin5 t(ru t(e M server of moile company, importantinformation of a customer is not al3ays secured. 0(at6s 3(y 3e (ave c(osen to use 789 orED7E service to e:c(an5e information 3it( t(e an), 3(ic( is a muc( more secured media ofcommunication.
o, moile an)in5 (as ri5(t future prospects.
Letter of Transmittal
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ate! "thA#g#st $0%%
Md. Ziaul Haque
Lecturer,
Department of Business Administration
East West University
S#b&ect! S#bmission of Term 'a'er(
ir,
2t6s our 5reat pleasure to sumit t(e 0erm paper on Moile Ban)in5 in Ban5lades(. A study 3as
ma)in5 on a sector t(at you (ave as)ed us to prepare and 5ive t(e topic of Moile Ban)in5 in
Ban5lades(. We (ave tried our est to follo3 t(e instruction t(at 3as 5iven y you.
0(rou5(out t(is study 3e tried to identify t(e present condition of moile an)in5 in
Ban5lades(, prolem and prospect of it and our recommendation. And detail information on t(at.
W(ile preparin5 t(is term paper 3e 3ent to many an)s 3(ic( are use moile an)in5 facilities
and intervie3ed officers.
We sincerely (ope t(at you 3ill en'oy t(is report as 3e en'oyed 3(ile 3ritin5 it. 2f you need any
furt(er clarification or quarry in interpretin5 t(is analysis, 3e 3ill e 5lad to oli5e you.
0(an) you,
Table of )ontents
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*+ To'ic ,age
*+
%(0 Introd#ction 5
$(0 hat is Mobile Banking. 5
3(0 ,resent condition of Mobile Banking in Bangladesh /
(0 Benefits of Mobile Banking "
5(0 hat does Mobile banking offer. 1
/(0 2ow does it work. %0
7(0 Sstem Architect#re %$
"(0 ,roced#re for registration thro#gh mobile 'hone %3
"(% 4 iagram of Mobile Banking %3
1(0 6or en#iring 'resent balance in the acco#nt %
1(% Showing acco#nt info %
%0 6or en#iring last few transactions in the acco#nt %5
%0(% 8I4I*9LAST64TA*SA)TI+*S %5
%%(0 6or changing 'rimar o'erati:e acco#nt %/
%%(% TA*S64I*9M+*4;T+A*+T24A))+
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Introd#ction!
2n t(is modern 3orld moile p(one (as ecome an indivisile part of our day to day life. 4arious
di5ital equipments suc( as moiles, computers etc are ma)in5 once$cumersome 3or)s far
simpler and quic)er. 0o cope 3it( t(e speedy 3orld it is not desirale to stand in t(e queue for
(ours to perform a simple transaction in t(e an). At present 3e can 5ive ills, conduct money
transfers, 5et current account information etc. t(ru online an)in5. But for t(at 3e need a
computer 3it( an internet connection. But 3(y do 3e need a computer to do a 'o t(at can e
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easily done y our moile. 0(at6s 3(ere our pro'ect comes in. Usin5 our system a customer can
pay ills, collect account information, transfer money to anot(er account etc. all y (is small
moile set. And most attractive t(in5 is t(at (e can do t(is any3(ere anytime say li)e 3(en (e is
stuc) in a traffic 'am. 2n all telecommunication system t(e media of communication is t(e most
important t(in5. 2n many countries moile an)in5 is done y M. ;o3 in Ban5lades( many
an)s use t(is system.
hat is Mobile Banking.
Moile Ban)in5 is a Ban)in5 process 3it(out an) ranc( 3(ic( provides financial services to
unan)ed communities efficiently and at affordale cost. 0o provide an)in5 and financialservices, suc( as cas($in, cas( out, merc(ant payment, utility payment, salary disursement,
forei5n remittance, 5overnment allo3ance disursement, A0M money 3it(dra3al t(rou5(
moile tec(nolo5y devices, i.e. Moile 8(one, is called Moile Ban)in5.
,resent condition of mobile banking in Bangladesh!
Money transfer is aout to 5o di5ital in si: mont(s, as Ban5lades( Ban) (as approved t(e launc(
of an electronic prepaid card system t(at 3ill (ave a moile payment option. 0(e central an)permitted 0rust Ban) Ltd to act as a settlement an) for di5ital money transfer. ed user to transact y moile.
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2n case of forei5n remittance, any amount could e 3it(dra3n y prepaid card, ut t(e amount islimited to a ma:imum of 0) %",""" for no3, Ban5lades( Ban) officials said. 2n line 3it( t(ecentral an) directive, any an) (avin5 ?$cas( or a similar platform can issue prepaid cards forcustomers to transact money. 8resently, !& an)s are lin)ed 3it( t(e ?$cas( net3or). Besidest(e prepaid card system, Eastern Ban) received approval to (andle international and domestic
remittance transfers. D(a)a Ban) is allo3ed to disurse forei5n remittance t(rou5( moileoperator Ban5lalin)@s outlets. ;eit(er of t(e ne3 systems allo3s cross$order money transfer.2ndustry insiders said people 3ould e ale to easily transfer money to t(eir loved ones at a fift(of t(e cost under t(e present system.
Accordin5 to BB statistics, remittance inflo3s soared y &" percent from *!%.-! million inAu5ust !""# to -&*.-% million in Au5ust !""- $$ a contriution of 1" la)( Ban5lades(is livin5in parts of t(e 3orld.
2n a letter on eptemer %, t(e central an) approved 0rust Ban) to introduce t(e Di5ital Money8repaid =ard ystem 3it( moile payment facilities 3it(in t(e ne:t si: mont(s, in association
3it( Di5ital 0ec(nolo5ies Ltd and 2nformation 0ec(nolo5y =onsultant Ltd. Under t(e di5italmoney transfer system, intra$ and inter$an) account$to$account transfers, transactions at A0Mst(rou5( ?$cas( and ot(er similar platforms 3ill e settled.
A di5ital 3allet is an electronic prepaid card 3it( moile an)in5 M$an)in5C t(at utilises t(eA0M automated teller mac(ineC and all )inds of electronic communication tec(nolo5ies,includin5 moile p(one. 0o otain t(e di5ital prepaid card, customers 3ill (ave to fill out anapplication form at an)s or a5ents. 0(e an) 3ill verify t(e customer under it6s @)no3 yourcustomer@ =C process to issue a di5ital money prepaid card. 0(e customer@s information mustmatc( t(e information 3it( t(e an) and t(e information (e or s(e provided to telecomcompanies, t(rou5( (ost$to$(ost connectivity.
0(e ?$cas( (ost 3ill ta5 t(e card(older@s cell p(one upon 5ettin5 confirmation from t(e telecom(ost, and t(en t(e customer 3ill e notified immediately upon successful di5ital money ta55in5.ince t(e customer o3ns t(e card, (e or s(e can transfer money and carry out transactions at apoint of service 8FC at an)$approved merc(ant stores and service points, li)e 5as stations,(ospitals and cinema (alls. 2n t(e case of person to usiness payments, li)e utility ills, insurancepremiums, loan instalments, E$top$up for moile p(ones, and e$tic)etin5, t(e prepaid card 3ille used. 2n t(e case of 5overnment to person payments, li)e a5riculture susidies, 3ido3allo3ances, freedom fi5(ters allo3ances, payment 3ill e transferred t(rou5( t(e card.
0rust Ban) 3ill (ave to sumit contract a5reements et3een its partners efore launc(in5 t(epro'ect. 0(e pay points must e accredited y 0rust Ban) under an approved accreditation policyand t(e an) s(all underta)e all responsiilities of pay points. 0rust Ban) 3ill e responsile formiti5atin5 of all )ind of ris)s, includin5 credit ris)s, liquidity ris)s, operational ris)s, fraud ris)sand tec(nical ris)s associated 3it( t(e di5ital money system.
20 =onsultants Ltd, t(e lone payment service operator in Ban5lades( providin5 t(e ?$=as( inter$an) s3itc(in5 platform and connectivity, t(in)s t(at if all t(e an)s come under a sin5lenet3or), remittance or any ot(er transaction 3ould e easier. As per t(e central an)
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notification, Eastern Ban) Ltd EBLC 3ill conduct ot( international and domestic remittance yintroducin5 t(ree products $$EBL mart 9emit =ard, mart =as( 8oint and mart m$3allet.
0(e EBL mart 9emit =ard 3ill e a card ased payment system, 3(ere senders can sendmoney to receivers prepaid 42A card and t(e cas( can e 3it(dra3n usin5 any 42A, A0M or
point of service, at any appointed merc(ant. EBL (as not een approved transferrin5 money fromone m$3allet to anot(er m$3allet (older.
D(a)a Ban) Ltd (as een approved to use Ban5lalin) outlets for disursement of forei5nremittance. Under t(e approval, t(e an) can disurse forei5n remittance t(rou5( desi5natedBan5lalin) outlets, 3(ic( must e approved y t(e an)@s oard. 2n t(e remittance disursementprocess, EBL and D(a)a Ban) accredited cas( points 3ill e used only for delivery in localcurrency for in3ard remittance credited in ;ostro accounts of t(e an)s and not for any ot(erinland or cross order transfer
Dutc($Ban5la Ban) Limited DBBLC(as for t(e first time introduced its moile an)in5 service
e:pandin5 t(e an)in5 service from cities to remote areas. Ban5lades( Ban) 7overnor Atiur9a(man inau5urated t(e service y depositin5 0) !,""" and 3it(dra3in5 0) %,G"" t(rou5(Ban5lalin) and =itycell moile net3or)s in Moti'(eel area. Ban5lades( Ban) (as alreadyallo3ed %" an)s to initiate moile an)in5. Ff t(em DBBL )ic)ed off first. Moile an)in5 isan alternative to t(e traditional an)in5 t(rou5( 3(ic( an)in5 service can e reac(ed at t(edoorsteps of t(e deprived section of t(e society. By 5oin5 to t(e DBBL$approved =itycell andBan5lalin) a5ents t(rou5(out t(e country t(e suscriers on s(o3in5 necessary papers andpayment of a fee of 0) %" can open an account.
Benefits of Mobile Banking!
By providin5 electronic access to money, it is possile to ultimately alleviate poverty, ecause oft(e follo3in5 reasons.
9eal time on$line an)in5
Availale anytime, any3(ere t(rou5(out t(e country
2t is convenient, affordale and secure
2t is muc( more effective in developin5 savin5s (aits
2t 3ill ma)e access to an)in5 and advanced payment transactions at affordale cost
2t is muc( safer, speedy and safe5uard a5ainst fraudulent transactions
hat does Mobile banking offer.
Fnline alance c(ec)
4ie3in5 last fe3 transaction records
Balance transfer et3een accounts
http://www.dutchbanglabank.com/http://www.dutchbanglabank.com/ -
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Balance transfer from an) account to prepaid moile account
Bill 8ayment for postpaid moile, electricity ill, 5as ill, 3ater ill etc.
All steps 3ill involve security c(ec) i.e. aut(ori>ation aut(entication
=ustomer 9e5istration =as($in cas( depositC
=as($out cas( 3it(dra3alC
Merc(ant 8ayment
Utility 8ayment
alary Disursement
+orei5n 9emittance
Air$time 0op$up
+und 0ransfer
2ow does it work.
Mobile
company
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I =ustomer fills up t(e = +orm and sumit to a5ent alon5 3it( (is p(oto5rap( ;ational2D ;2DC
Logging on to a bank
Showing account information
iewing transactions
!ransferring money
"aying post#pai$ mobile
bill
%efill prepai$ mobile
account
"aying utility bill
Logout of
&ank
iew status report oftransaction
Subscriber
&ank
'tility pro(i$er
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I A5ent c(ec)s t(e Application +orm, p(oto5rap( ;2D
I A5ent 5oes to =ustomer 9e5istration Menu in (isJ(er moile and insert customer6s moilenumer
I =ustomer receives a call t(rou5( 249 or UD prompt and in reply, sJ(e 5ives a $di5it 82;numer of (isJ(er c(oice please rememer your 82;C
I A Moile Account is created in t(e DBBL system 3(ic( is (isJ(er moile numer K onec(ec) di5it
I =ustomer receives an M 3(ic( contains (isJ(er Moile Account numer please rememeryour c(ec) di5itC
Sstem Architect#re!
Mobile Banking Ser:ice ,latformprovides moile an)in5 service easily usin5 e:istin5 3ired
2nternet an)in5 service 3it( our convertin5 solution. 2t provides 3ireless security function
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L, end$to$end security, W82C 3(ic( is essential to 2nternet an)in5 service. 2t provides real$
time an)in5 service anytime, any3(ere, and any device. ou can e:pand your 3ired 2nternet
an)in5 service to moile environment easily utili>in5 various )inds of moile devices suc( as
WA8 p(one, 8DA, mart p(one, (and (eld 8=, etc., 3it( our Moile Ban)in5 ervice 8latform.
After developin5 t(is platform, 3(ic( 3ill e at t(e moile company t(e ne:t t(in5 3e need aret(e pa5es t(at 3e6ll ro3se to perform our operations. ;o3 3e could (ave desi5ned t(ese pa5esusin5 H0ML, A8.;E0, /8 etc. But efore developin5 any system 3e (ave to t(in) aout t(esystems scalaility. Fnly a small percenta5e of moile sets can ro3se H0LM, A8.;E0, /8pa5es. But any WA8 enale set can ro3se WML pa5es. o, 3e (ave desi5ned all our pa5es inWML format. +or dynamic pa5es 3e (ave used 8H8 as server side scriptin5 lan5ua5e. We (ave
8H8 G." 3(ic( is a o'ect oriented lan5ua5e.
Fur customers 3ill access t(e an) t(ru t(ese WML pa5es and 5ive transaction commands. He3ill access t(e pa5es usin5 789 or ED7E service
,roced#re for registration thro#gh mobile 'hone !
8lease follo3 t(e sequence mentioned elo3 in order to re5ister for t(e service.
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end t(e follo3in5 M messa5e to G1*1*.
BAL =ustomer 2D or sal =ustomer 2D
e.5. N BAL %!&G1 or sal %!&G1
ystem 3ill respond 3it( current alance in your primary operative account.
+or t(e alance of a specific account ot(er t(an t(e primary account in t(e same customer2D, type t(e follo3in5 messa5eN
BAL =ustomer 2D % di5it AJc ;o or sal =ustomer 2D % di5it AJc ;o
e.5.N BAL %!&G1 """!"!""%&!!" or sal %!&G1 """!"!""%&!!"
ystem 3ill respond 3it( t(e current alance in t(e operative account mentioned aovey you in your M messa5e.
6or en#iring last few transactions in the acco#nt!
Showing account info
Subscriber chooses
The link show
account Info
The request is sent
To WAP gateway
WAP gateway
Forwards the request
To bank server
ank searches its
!atabase for
Account infoank server sends
The info to "obile
#lient via WAP gateway
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end t(e follo3in5 M messa5e to G1*1*.
0O; =ustomer 2D or st:n =ustomer 2D
e.5. N 0O; %!&G1 or st:n %!&G1
ystem 3ill respond 3it( a list of immediate previous G transactions in your primaryoperative account. +or t(e transactions of a specific account ot(er t(an t(e primaryaccount in t(e same customer 2D, type t(e follo3in5 messa5eN
0O; =ustomer 2D % di5it AJc ;o or st:n =ustomer 2D % di5it AJc ;o
e.5.N 0O; %!&G1 """!"!""%&!!" or st:n %!&G1 """!"!""%&!!"
ystem 3ill respond 3it( a list of immediate previous G transactions in t(e specifiedaccount mentioned y you in your M Messa5e.
6or changing 'rimar o'erati:e acco#nt!
Viewing last few transactions
$obile Subscriber WAP %ateway ank
Show (Transaction Info)
Forward (message)
Search (Database)Send Info (transaction)
Forward (message)
Request (Number of Transaction)
Forward (message)
Send Info (number of transaction)
Forward (message)
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2n case you are (oldin5 more t(an one operative accounts under same =ustomer 2D, t(is option
(elps you to c(an5e your primary operative account 3(enever you desire to do so.
end t(e follo3in5 M messa5e to G1*1*.
A== =ustomer 2D % di5it AJc ;o. or sacc =ustomer 2D % di5it AJc
;o.
e.5.N A== %!&G1 """!"!""%&!!" or sacc %!&G1 """!"!""%&!!"
ystem 3ill respond 3it( appropriate messa5e for (avin5 c(an5ed your primary
operative account. Hencefort(, t(e account numer mentioned y you in your M
messa5e 3ould e your primary operative account.
6or en#iring abo#t Term e'osit Acco#nts!
&$obileSubscriber:WAP%ateway :$obile#o"'any
Pay!i""(#ost$#aid)
SendInfo(#ost$#aid)
RequestInfo(#ost$#aid)
:ank
Transferamount(#ost$#aid$info)
SendInfo(transaction)
SendPassword()
%erifyInfo()
Pro&ideinfoRequest#asswor
d()
Forward(message)Forward(message)
'#dateaccount()
Send%erificationNotification()
SendNotification()
ecute(request)
Forward(message)
Forward(message)
Forward(message)
%erifyInfo()
Transferamount(ban*info+ userinfo)
SendNotification()
Transferinfo(#ost$#aid$info)
Forward(message) %erifyandtransfer()
Forward(message)
Transferring money to another account
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0(is option (elps to enquire aout term deposits 3it( respect to principle amount, rate ofinterest, maturity date etc,
end t(e follo3in5 M messa5e to G1*1*.
0D? =ustomer 2D or stdq =ustomer 2D
e.5.N 0D? %!&G1 or stdq %!&G1
ystem 3ill respond 3it( a list of earliest opened & term deposits account particularselon5in5 to you. ou may e receivin5 ! or & messa5es as response containin5 t(erequired details.
+or t(e details of a specific term Deposit account, type t(e follo3in5 messa5eN
0D? =ustomer 2D % di5it AJc ;o or stdq =ustomer 2D % di5it AJc ;o
e.5.N 0D? %!&G1 """"%"""""!G or stdq %!&G1 """"%"""""!G
ystem 3ill respond 3it( t(e details of 0erm Deposit account mentioned y you in yourM Messa5e.
6or en#iring stat#s of a che#e iss#ed!
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0(is option (elps to enquire aout status of a c(eque as to 3(et(er paid or unpaid or topped.Al3ays c(eque issued a5ainst your primary operative account can e enquired usin5 t(is option.2n case you 3ant to inquire status of a c(eque issued in an operative account ot(er t(an your
primary account, first you (ave to c(an5e your primary account as e:plained aove and send t(emessa5e.
end t(e follo3in5 M messa5e to G1*1*.
=H? =ustomer 2D =(eque ;o. Fr sc(q =ustomer 2D =(eque ;o.
e.5. N =H? %!&G1 &&GG or sc(q %!&G1 &&GG
ystem 3ill respond 3it( t(e status of c(eque as to 3(et(er paid or unpaid or stopped.
tatus report of any transaction
6or sto''ing a che#e 'ertaining to the 'rimar acco#nt!
Subscriber chooses
The link Show
transaction status
The request is sent
To bank server
(ia WAP gateway ank server sends a
)equest to the subscriber
to enter transaction
I! via WAP gateway
Subscriber sends
Transaction I!
To bank server
(ia WAP gateway
ank server sends
The info to "obile
#lient via WAP gateway
ank server searches
!atabase for transaction
infor"ation
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0(is option (elps to stop a c(eque 3(ic( is eit(er issued or lost. Al3ays c(eque issued a5ainstyour primary operative account can e stopped usin5 t(is option. 2n case you 3ant to stop ac(eque issued in an operative account ot(er t(an your primary account, first you (ave to c(an5eyour primary account as e:plained aove and send t(e messa5e.
end t(e follo3in5 M messa5e to G1*1*.
=H =ustomer 2D =(eque ;o. Fr sc(s =ustomer 2D =(eque ;o.
e.5. N =H %!&G1 &&GG or sc(s %!&G1 &&GG
ystem 3ill respond 3it( a messa5e tellin5 t(e c(eque is stopped or not stopped.
6or de-registering from SMS 4n#ir facilit!
0(is option (elps to de$re5ister you from t(e M Enquiry facility. 0(is option 3ould (elp youin case you are c(an5in5 moile numer or you do not 3ant to use t(e facility any more.
end t(e follo3in5 M messa5e to G1*1*.
DEL =ustomer 2D or sdel =ustomer 2D
e.5. N DEL %!&G1 or sdel %!&G1
ystem 3ill respond 3it( a messa5e t(at you are successfully de$re5istered from t(e services.
8lease note t(at DEL 3ill dere5ister you only from Enquiry facility. ou 3ill continue to 5etAlerts. +or dere5isterin5 from Alerts, you need to 5ive a letter to your ranc(C.
T4MS = )+*ITI+*S!
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%. 0(e SMS Banking ed messa5es sent yany ot(er person 3it(out aut(ority.
!. All t(e transactions arisin5 out of t(e use of M Ban)in5 in relation to a 'oint accounts(all e indin5 on all 'oint account (olders. 0(e ed and ille5al use of yndMBan)in5 andunaut(ori>ed access to t(e Accounts provided y M Ban)in5.
&. 0(e Ban) s(all ta)e reasonale care to, ensure t(e security of and to prevent unaut(ori>edaccess to t(e M Ban)in5. 0(e SMS Banking ed under t(ese 0erms.
G. 0(e Ban) (as t(e asolute discretion to amend or supplement any of t(e terms at anytime 3it(out notice. =(an5ed terms and conditions s(all e effective immediately on
ein5 practiced and t(e M Ban)in5
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Wit( e:istin5 M system, first 3e (ave to collect t(e o'ects6 identification numers
from some ot(er source. Usin5 789 user can simply c(oose t(e o'ect (e 3ants from
3e pa5e.
At present do3nloadale contents are saved in moile companies o3n server.
+or memory limitations, t(ey currently can support only a small numer of c(oices.
0(is puts a content mana5ement limitation.
ecommendation!
Most of t(e rural people of Ban5lades( (ave no idea aout moile an)in5.Moile an)in5
service provider an)s s(ould ma)e t(is service information availale to t(e all sectors people.
0(ey can raise t(e speed of t(e 789 server of an) so t(at customers can use it so
faster.Memory limitation s(ould e removed and it s(ould e more secured.0(en 2 t(in) it 3ill
e more popular amon5 all t(e people of Ban5lades(.
)oncl#sion!
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Alt(ou5( Moile an)in5 (as some prolem, ut it (as (u5e opportunity in Ban5lades(. 2f
moile an)in5 service provider an)s can overcome t(ose prolem and up5rade t(eir service
and ma)e (u5e advertisement and ma)e availale to all account (olders and if 5overnment pay
proper attention t(en surely it 3ill e soon popular to all.
eference!
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8/12/2019 Assignment on Mobile Banking in Bangladesh2003
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%. 0(e Daily tar
!. 333.5oo5le.com
&. Dutc($Ban5la Ban) Limited DBBLC
. 0(e =entral Ban) of Ban5lades(
http://www.google.com/http://www.dutchbanglabank.com/http://www.google.com/http://www.dutchbanglabank.com/