CHAPTER 1

1.0 INTRODUCTION
The main purpose that banks have been serving sinc
e t h e i r i n c e p t i o n i s keeping our money safe for us. While keeping our
money safe, they also letu s e a r n a c e r t a i n a mo u n t o f i n t e r e s t o n t h e
mo n e y d e p o s i t e d w i t h t h e m. T r a d i t i o n a l b a n k s h a v e b e e n
d o i n g t h i s , a n d i n t e r n e t b a n k s c o n t i n u e t h e same function. The onlydifference
is in the waythe 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 andhowit all came out. Knowing thehistoryof internet bankingcan be
incrediblyu s e f u l , e s p e c i a l l y s i n c e i t wi l l a l l o w u s t o h a v e mo r e
r e s p e c t f o r t h e l i t t l e thingsthatwetake forgranted.Computers themselves have
really come an enormous way since their initialestablishment, as the earliest
electronic computers were so large that theywould take up the entire area of a
room, while today some are so small thattheycan hardlybeseen at all.In today's world,
computers playan incrediblylarge role inthe waythe worldexistsingeneral, andthe majorityoftasks could
actuallynot be completedif 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 stillrequireactual manpower, for the most part, computers havehelped to makelife
significantlyeasier, productive, and more convenient forusall.Internet banking has been around
for quite a few years now, but has
reallyo n l y b e c o m e p r o m i n e n t o v e r t h e p a s t y e a r o r s o i
n particular. Internetbanking offers an array of diff
erent advantages to the user, including:
1

account balances and history including year-to-date information, the

abilityt o t r a n s f e r m o n e y f r o m o n e a c c o u n t t o a n
o t h e r a n d t o p a y e e s f o r b i l l p a yme n t s , c h e c k h i s t o r y
, r e o r d e r s , a n d s to p p a y me n t s , c h e c k c r e d i t c a r d b a l a n c e s a
nd statements, complete online loan applicat
i o n s , s e c u r e interactive messaging withstaff, and much more.Internet banking
basically allows you to be able to do everything that youcan in your regular
banking institution, only with the benefit that you can doi t a l l r i g h t f r o m
t h e c o n v e n i e n c e o f yo u r o wn h o me . No t o n l y i s t h i s g r e a t because
you can be comfortable and have peace of mind knowing that youc a n k e e p
t r a c k yo u r s e l f o f a l l yo u r b a n k i n g i s s u e s , b u t a s we l l i t a l l o ws
f o r more easebecause you neverhaveto worryaboutrushingoutand making ittothe bank.
1.1STATEMENT OFTHE PROBLEM
W i t h t h e p r o b l e m s a n d l i m i t a t i o n s a s s o
c i a t e d w i t h m a n u a l b a n k i n g procedures as w
itnessed in most parastatals today, complied with th
e problems associated with the existingapplicationprograms even much
morei n t h e p r e s e n c e o f s e r i o u s t e c h n o l o g i c a l a d v a n c e s
a i m e d a t i m p r o v i n g information system. This is activities aimed at
shedding light upon the
needf o r i m p r o v e m e n t i n a c c o u n t i n g a c t i v i t i e s a n d t h e
m e a n s o f a c h i e v i n g i t s e f f i c i e n c y, e f f e c t i v e n e s s , r e l i a b i l i t y
a n d s u c c e s s p r o mi s i n g f u t u r e t h r o u g h computer intervention.Internet banking
identifies a particular set of technological solutions for thedevelopment and the
distribution of financial services, which rely upon theo p e n a r c h i t e c t u r e
o f t h e I n t e r n e t . Wi t h t h e i mp l e me n t a t i o n o f a n I nt e r n e t banking
system, the banks maintain a direct relationship with the end
usersv i a t h e w e b a n d a r e a b l e t o p r o v i d e a p e r s o n a l c h
a r a c t e r i z a t i o n t o t h e interface,byofferingadditionalcustomised services.
1.2 PURPOSE OFTHE STUDY
Th e a i m o f t h i s p r o je c t i s t o d e v e l o p a s e c u r e d o n l i n e b a n k i n g
s ys t e m wi t h thefollowingobjectives:
•
Create a banking system that is easily accessible by customers fromthe comfortof
theirhomes,offices etc.
•
Reduce the flowof humantraffic andlong queues atbanks
•
Reduce thetime wasted ingoingtobankstostayon queues.
•
P r o mo t e e f f i c i e n t a n d e f f e c t i v e b a n k i n g f o r t h e b a n k s b y
f o c u s i n g o n thoseservicesthat stillrequirephysical presence atthe bankinghall.
1.3IMPORTANCE OF THE STUDY
This will cover the benefits derived in usin
g i n t e r n e t b a n k i n g a n d i t ’ s fundamental.1.3.1 ONLINE
BANKING – HOW IS IT DIFFERENT?Many consumers today are turning to
the ease and convenience of Internetbanking to take care of their financial
needs. With the new levels of accessm a d e p o s s i b l e b y t h e
Internet, people can now check the status of
t h e i r financeswiththe clickof a button. The history of Internet banking has evolved
from simply allowing customersto check balances online, to now being able to
trade stocks and bonds fromthecomfort oftheir own
home!1.3.2 WHY USE ONLINE BANKING?
Online banking services have grown from simply allowing customers to
checkbalances, to trading assets. Today, banks like ING Direct are
functioningentirely online, with no brick and mortar building.
With the costs saved byrequ iring 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 thebank 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
monthlybills, 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 increasedaccessibility to your account information. Users of online banking servicescan
access their account information from anywhere in the world! This isparticularly helpful for businesses.
Internet business banking is becomingincreasingly popular, as businesses are becoming more global in
their reach.Now business people can access their accounts, even when on overseasbusiness trips.
Business Internet banking is extremely popular for thisreason.A particularly popular aspect of online
banking services is the ability to makebill 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
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
engineeringusing appropriate (UML TOOLS) an object oriented
approach. Some of the steps to be taken are:
•
Feasibility study – understanding and identifying of existing system andassociatedstudy.
•
Analysis –
p r o p e r a n a l y s i s a n d s u g g e s t e d s o l u t i o n t o t a c k l e s u c h pro
blems will be considered.
•
Design – designing the new system will be achieved through an objectoriented
software tools (UML).
•
Coding – this is implemented as a 3tier architecture model using javalanguage. The
3 layers of the application are as follows.1, Java server pages / html pages – front end2, Java server
pages / servlets – middle end3, SQL server as the back-end
1.6 MODE OF OPERATION
WEBTRUST will contain self explanatory hyperlinks that customers can clickto
make any request or perform a task.

If a customer clicks on account opening links, he is taken to page where hefills 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 andactivated. Thus
such a customer can receive money into such an
accountt h r o u g h f u n d s t r a n s f e r . A c c o u n t d e t a i l s a r e
s e n t b y t h e b a n k t o t h e customer’s email box.Registered customers or
Account holders of the bank can now login using theaccount details posted to their
email box to login before they can
performf i n a n c i a l t r a n s a c t i o n s . T h e s y s t e m i s s e c u r e d s u c
h y o u c a n n o t o p e r a t e another mans account even if you knew his
account details because a
newt r a n s a c t i o n n u m b e r i s a l w a y s s e n t t o a c u s t o m
e r f o r e a c h l o g i n . T h i s transaction number is what will be used to
authenticate any transaction pertime.
1.7 DESCRIPTION
WEBTRUST is built on the three tier architecture of web applications.Front-end
Wh e n a r e q u e s t i s ma d e o n a we b p a g e t h r o u g h t h e b r o ws e r , a
j s p / s e r v l e t script that is residing on the web server (the WEBTRUST Server)
processest h e r e q u e s t . I t c o n n e c t s t o t h e d a t
a b a s e t o r e t r i e v e t h e r e q u e s t e d information and
sends its response back to the browser which displays theoutputonanother web
page. The advantage of thisarchitecture is that thedatabase is more secured as itis only accessible by
the application logic (jsp/servlet script) that resides ontheweb server.
1.8 SOFTWARE TOOLS USED
IDE: Net Beans5.5Language:JavaWebServer:ApacheTomcat5.0WebTechnology:JSP/ServletDatabase:Ms Access /
SQL Server
CHAPTERTWO
LITERATURE REVIEW
The emergence of electronic commerceover the pastdecadehas radicallytransformed theeconomic
landscape. For developingcountries,the digitalrevolutionoffers unprecedentedopportunitiesfor economic
growth anddevelopment, a casestudyof Pakistan.
2.1 DEFINING E-BANKING /ONLINE BANKING
“In the 21st centurythere will be alot of banking,but there willbe nobanks.“Says Bill Gates. The term
"online banking" or "internet banking" covers both computer
andt e l e p h o n e b a n k i n g . Us i n g c o mp u t e r
b a n k i n g , a c u s t ome r e i t h e r u s e s h i s c o mp u t e r t o d i a l s d i r e c t l y
i n t o i t s b a n k ' s c o mp u t e r o r g a i n s a c c e s s t o t h e bank’s computer over
the internet. Using telephone banking, the
customerc a n c o n t r o l s i t s b a n k a c c o u n t s b y g i v i n g t h e b
ank instructions over thet e l e p h o n e . B o t h c o m p u t
er and telephone banking involve the use of
passwords which giveaccess tothe customer’s accounts.Using these methods, banking
transactions can be actioned 24 hours a day.Online banking allows the person,
for instance, to view recent
transactions,p r i n t o u t s t a t e m e n t s a n d t r a n s f e r f u n d
s b e t w e e n a c c o u n t s a n d m a k e payments.M a n y b a n k s a l s o
h a v e t h e f a c i l i t y f o r s o me o n e t o se t u p , a me n d o r
c a n c e l s t a n d i n g o r d e r s . I n t e r n e t b a n k i n g a l s o a l l o ws p a yme n t s
t o b e ma d e t o t h e c u s t o me r , i .e . a c c e p t a n c e o f c r e d i t c a r d
donations. Most people that use i n t e r n e t b a n k i n g w i l l a l s o
c o n t i n u e t o u s e s o m e o f t h e e l e m e n t s o f m o r e traditional
methods ofbanking,such as acheque book..

2.2E-BANKINGIN DEVELOPING COUNTRIES

Just like Internet infrastructure, E-Banking in developing countries is at
earlystages;however there are some exceptions where countrieslike:
•
Brazil have 75% of enterprises, excluding micro-enterprises using theInternetfor
banking in 2005.
•
M o r o c c o ( 3 4 . 9 % ) . ( U n i t e d N a t i o n s
C o n f e r e n c e o n T r a d e a n d Development, 2006), There
is an increasing growth of online banking, indicating
a promisingfuturefor onlinebanking inthese countries.
•
In China, while banks issue credit cards and while
m a n y u s e d e b i t cards to draw directly from their respective
b a n k a c c o u n t s , v e r y f e w people use their credit cards for online payment.
Cash-on-delivery iss t i l l t h e mo s t p o p ul a r mo d e o f e -
c o m me r c e p a yme n t . No n e t h e l e s s ,on l i n e p a yme n t
i s g a i n i n g p o p u l ar i t y b e c a u s e o f t h e e me r g e n c e o f C h i n a p a y
a n d C yb e r B e i ji n g , wh i c h o f f e r a c i t y - wi d e o n l i n e p a yme n t system.
(Zorayda RuthB. Andam, 2003).
•
The Nigerian economy is largely cash-
b a s e d w i t h a l o t o f m o n e y r e s i d i n g o u t s id e t h e b a n k i n
g s ys t e m. T o a g r e a t e r e x t e n t ,
this hash i n d e r e d t h e p a r t i c i p a t i o n o f h e r c i t i z e n s i n e
-commerce where e-
payment is the acceptable means of settling
t r a n s a c t i o n s . ( A y o Charles. K and Babajide Daniel O, 2006). In
Nigeria, the modernizationof the payment process started with the introduction
of the MICR. This
was followed by the establishment of ATMs f
o r c a s h d i s p e n s i n g , account balance enquiry and payment of
utility cheques. In 1993, theC e n t r a l B a n k o f Ni g e r i a ( C B N ) ,
i n t r o d u c e d t h e u s e o f p a yme n t c a r d s ( s m a r t c a r d ) a n d p a p e r -
based instrument. Similarly in 2004, CBNi n t r o d u c e
d a broad guideline on e-
b a n k i n g w h i c h i n c l u d e d t h e introduction of ATM, e-money
products such as credit and debit cards(Salimon,2006).

•
Th e Tu r k i s h b a n k i n g s e c t o r h a s n o t o n l y g r o wn i n n u me r i c a l
t e r ms
ith a s a l s o e x p a n d e d i n t e r m s o f t e c h n o l o g y a
n d t h e r a n g e o f n e w servicesoffered toits local and foreign customers. The sector
has beenviewed asthe leader oftechnological innovationsinTurkey.Although a lot of work and
progress has been made in electronic banking byt h e s e c o u n t r i e s , b u t
t h e s e n a t i o n s a r e s t i l l c a s h b a s e d e c o n o mi e s l a r g e l y. There needs
to be a regulatory framework and awareness among the banksandtheconsumers about
the benefits anddrivers of such systems.Fast adoption of electronic form of banking is the
need of the day for thesedevelopingnationstosurviveintoday’s hypercompetitiveglobal world.
2.3 E-BANKINGINPAKISTAN
Just like many other developing countries, electronic banking initiatives
arebeing worked on in Pakistan to exploit the technological benefits that can
bereaped along with manyothere-readinessinitiativesbeingtaken.
P a k i s t a n h a s b e e n a mo n g t h e l a t e e n t r a n t s i n t o e - b a n k i n g . Th e
f i r s t A TM switch was setup in 1999 and in2000 Internet Banking was
introduced. (AliAhmad,
2006)W h e n t h e g o v e r n m e n t s t a r t e d a n i n f o r m a t i
o n - t e c h n o l o g y ( I T ) a n d e - commerce initiative in early 2000,
the banks were expected to lead the wayi n t o e -
commerce. However, although the banking sector is
t h e l e a d i n g spender on information communications technology, the most
progress in e-c o m m e r c e h a s b e e n i n “e - g o v e r n me n t ” . S o me
b u s i n e s s - t o - b u s in e s s
(B2B)p o r t a l s a r e a v a i l a b l e , b u t t h e y a r e d e s i g n e d m o
r e f o r I n f o r m a t i o n t h a n transactions. (The Economist Intelligent Unit,
2006)S i n c e t h e d e -
regulation of the banking sector in Pakistan in 2002
manyf o r e i g n a n d p r i v a t e b a n k s h a v e e s t a b l i s
h e d s t r o n g c o n s u m e r b a s e b y adopting e-Commerce
techniques, thus exploiting the first mover advantagemyt h . Ho w e v e r , f o r
s u c h i n i t i a t i v e s t o b e s u c c e s s f u l G o v e r n me n t n e e d s
top l a y a n a c t i v e r o l e i n c r e a t i n g a w a r e n e s s a m o n g t h
e c o n s u m e r s a n d a regulatoryinfrastructureand
legislation.P a k i s t a n i g o v e r n m e n t h a s a l r e a d y s t a r t e d w o r k i
n g t o w a r d s f o r m i n g a n information societyto create awareness among thepeoplebut
theprocess isrelatively slow. The Ministry of Science & Technology has been taking
number of measurest o p r o mo t e E - C o m me r c e a n d E-
B a n k i n g i n P a k i s t a n , Te c h n o l o g y h e l p s t o c a t a l yz e e f f i c i e n c y i n
t h e p r o v i s i o n o f f i n a n c i a l s e r v i c e s a n d u l t i ma t e l y i n determining the
winners inthe intenselycompetitivefinancial markets ofthefuture.
The use of ATMs and e-banking products is gaining currency and almost
allbanks have established networking of their ATMs with the interconnectivityof
switches. Better outreach offered by ATMs will enhance the customer baseand offer more
alternatives and choices to customers. Further developmenton e-banking and
internet banking will open up new avenues like on-
lineb a n k i n g . A m o n g o t h e r s , t h e r e l a t i v e l y s m a l l e r s i z e b
a n k s w i l l b e a b l e t o compete with the large banks and retain
their market presence by usingtechnology more effectively. Technology tends
to have a high degree of obsolescence. Thus, the financialinstitutions will have to
invest heavily in the development of their IT systems,which might initially burden their resources.Half
of the country’s 7,000 commercial-bank branches, including 90% of
thebranches in urban areas, had
been computerise d by August 2006. Manybanks 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
utilityb i l l s u s i n g t h e i r m o b i l e p h o n e s . T h e N a t i o n a
l I n s t i t u t i o n a l F a c i l i t a t i o n Technologies (NIFT), anautomated
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-
privatecompany owned 51% by banks (The Economist Intelligence Unit, 2006)

In recent years, Automated Teller Machines (ATM), Tele Banking, I

nternetBanking, Credit and Debit Cards, etc. have emerged as
effective deliverychannels for traditional banking products in Pakistan.
Foreign banks
took theIn recent years, Automated Teller Machines (ATM), Tele Ban
king, InternetBanking, Credit and Debit Cards, etc. have emerged as
effective deliverychannels for traditional banking products in Pakistan.
Foreign banks took the

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
inl a t e 1 9 9 0 s . H o w e v e r , t h i s d e l a y e d e n t r y i n e -
b a n k i n g m a y b e l a r g e l y explainable by regulatory hurdles, higher
start-up costs, 38 ongoing bankingsector reforms, and lack of technical skills.At
present, a number of commercial banks have set up their own standaloneATM
networks, issuing credit and debit cards, offering round the clock
phoneb a n k i n g , a n d m a i n t a i n c o m p r e h e n s i v e w e b s i t
e s p r o v i d i n g d e t a i l e d information on their conventional and e-
banking products. Furthermore, allbanks have joined one of the two operating
ATM Switch Networks (MNet andATM Switch Network) and these two
switches are in process of linkage witheach other. Haven linked these two
switches, customers will have access toover four hundreds ATMs throughout
Pakistan.39 However, other e-bankingactivities are yet to establish. In
Pakistan, the ATMs generally allow cash withdrawals, balance
information, PIN change, and to print mini-statement. Afew 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 whyconsumers in Pakistan are re
luctant to adopt e-banking. Data collectionmethods are an integral part of
research design. Both primary and
secondaryd a t a a r e u s e d i n t h i s r e s e a r c h . T h r e e r e s e a r c h m e t h o d s
; s u r v e y s , c a s e studies and research articles had been used for this paper.

A questionnaire was developed to gather data from the banking

consumers,w h i c h c o n s i s t e d o f t w o s e c t i o n s t o w h i c h t h e r e w e r e
1 4 5 r e s p o n d e n t s forming a “Non Probability Sample”. The sample data
consisted of 34 OnlineBanking users while 111 were non-users.
2.5 PROFILE OF RESPONDENTS:
The majority of the respondents were male (83.3%), young (73.7 %)
werebetween 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 hadbeen analyzed.
Table 2: Most important reasons for opening an internet account
Valid Frequency Percentage
Agreeing
Better rates 13 38.2
Safety & security 16 47.1
Low services 13 38.2
charges
Easy to maintain 19 55.9
Transaction
activity
Loan payment 10 29.4
information
Seeking product & 13 38.2
rate info
Download loan 12 35.3
application
Download 16 47.1
personal
dank transactions
Check balance 16 47.1
online
Consumer loans 16 47.1
&
Credit cards
applications
Inter account 13 38.2
transfer
Online bill 13 38.2
payments
Table 4: Important factors for non-users in choosing online banking
facilities

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
havingone stop online banking
accounts. The analysis therefore shows that thelevel 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
benefitsr e g a r d l e s s t h e l i m i t a t i o n s a n d r e a s o n s f o r n o t a d o p t i n
g o n l i n e b a n k i n g . 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,
banksa n d c o n s u m e r r e a l i z e t h a t w i t h o u t a d o p t i
o n o f t h e n e w e m e r g i n g technologies such as e-banking they
will lag behind as pointed out by AndyGrove:“You have no choice but to operate
in a world shaped by globalization andthe
information revolution. There are two options: adapt or die.” –
AndyGrove, Chairman, Intel.
CHAPTER 3
SYSTEM ANALYSIS AND DESIGN
This chapter deals with the analysis and design
o f O n l i n e B a n k i n g , application of new system, the hardware
and software requirements forimplementing the system and stating the choice of the
language used.
3 .1 De fin ing a syst e m:
A system is a collection of components, which are interconnected, and
worktogether to realize some objective. There are three major
components inevery system,
1 . i n p u t
2.processing
3.Output.

Input output
Processing

3 . 2 A n a l y s i s
System analysis is a logical process; the objective of this stage is not actuallyt o s o l v e t h e
problem but to determine what must be done to solve
t h e problem. The basic objective of the analysis stage is to develop the
logicalmodel of the system using tools such as UML (Unified modelling
language).First let’s take a look at the existing and proposed system.

3.2.1Existing System

Existing system is the traditional banking, where customers have to gothrough the long queue,
time wasted and still wouldn’t have access toefficient and effective banking system.

3.2.2Proposed System:

Considering the stress and time taken to go to bank and do transaction.

Thedevelopment of a well structure and secured online banking system will allowcustomer
to perform objectives like, creating a banking system that is
easilya c c e s s i b l e b y c u s t o m e r s f r o m t h e c o m f o r t o f t h e i r h o m e
s, offices 24/7.

Reduce the flow of human traffic and long queues at banks; Promote efficientand effective
banking for the banks by focusing on those services that
stillrequire physical presence at the banking hall. Provides intra-
bank fundst r a n s f e r s e r v i c e s t o t h e i r c u s t o m e r s . K e e p a
d e t a i l e d l o g o f c u s t o m e r transactions with the bank on his
account. Generate the statement of

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 createdand 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 thecustomer

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
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 , fundstransfer and statement of
account
Post-condition: Access is granted to the appropriate transaction pagefor the selected account

5. MANAGE CUSTOMERS (Actor: System)

Pre-condition: None

1.1Create customer inbox1.2Generate customer login details1.3Sends 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
1.2Send details to customer inbox

Post-condition: Customer details such as account no, access code etc is sent to inbox
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 viewedby clicking on the
statement of account which displays all thetransaction

10.FUND TRANSFER (Actor: Customer)

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

1.1Navigate to the Fund transfer form page
1.2Fill the fund transfer slip1.3Submit the slip

11.STATEMENT OF ACCOUNT: (Actor: Customer)

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

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