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CHAPTER NO.                              TITLE                                                            PAGE NO.


ABSTRACT                                                                       6


                                             LIST OF TABLES                                                   


                                             LIST OF FIGURES


                                             LIST OF SYMBOLS



  1.                   I N T R O D U C T I O N                                                           7

                                 1.1      Background Study


                                1.2        Banking Today


                                1.2.1    Banking Overview

                                 1.2.2     Research Study technology

                                 1.2. 3    Overview of Current Banking System


                                1.3        Objective of Proposed System

1.3.1      Limitations of the Proposed System:

                                 1.3.2 User requirements information gathered through          questionnaires

                                1.3.3     SMS Banking Scope and Functionality Features

 1.4         Project Outcomes

       2.                        Literature Review on Mobile Banking                   29

                                  2.1         A mobile banking conceptual model

2.2.        SMS Architecture

                                  2.3.        Secure SMS banking Architecture

                                     2.4.        Secure Network Architecture for mobile banking applications

      3                           Research Methodology                                  34

3.1           Research and Analysis of the Internet and Mobile Phone Usage in Malaysia



                        3.2            Percentage Distribution of Subscribers by State and   Corresponding Penetration Rates

3.3          Percentages of Internet Usage in Malaysia

3.4         Problems in Banking Industry

                              3.5       Weaknesses of current applications

                         3.6         Trends in mobile banking

                              3.7         Mobile banking business models

                              3.8         Challenges for a Mobile Banking Solution

                                   3.9            Scalability & Reliability

3.1.0      Application distribution

                              3.1.1      Personalization

                              3.1.2      Mobile Banking Services


  4                              Analysis:                                                                               47

                             4.1     Feasibility Study

4.2     Study on SMS Technology

                             4.3     Overview of SMS

                            4.4      Prototype of Proposed System

                            4.5     Output devices and media device

                            4.6     Usability Issues

5                     Design phase of proposed system                 65

                            5.0       Use case: Administrator

                      5.1     Data flow diagram

5.2      Class diagram

                          5.3      Sequence diagram

                          5.4      Activity diagram

6.                      Implementation Strategy                                            90

                         6.1 Implementation Plan


7                         Software Testing                                                          108

                      7.1     Testing Objective

                      7.2     Testing Methods and Strategies

                      7.3     Database testing for the System

                      7.4     Validation Test

                      7.5     Unit Testing

  1. USER EVALUATION                                120

                       Evaluation Result

                       8.1    Ease of Use

8.2    Rating of user interface design of the system

                      8.3    Graph 2 User Interface Design

  1. 9. Final Conclusion                                                136

                     9.1  Conclusion

          9.2  Time Constraint

                    9.3 Lack of resources



Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. This project analyzes customer needs and expectations from the mobile applications’ view and from the banking view in order to derive a defined set of requirements. Based on these results, existing mobile banking applications are assessed. To identifying the need of majority customers, the banks ventured in to developing SMS banking The 100% security and secrecy assured SMS banking service will enable customers to inquire about their account balance, make cheque book requests, effect fund transfers within their own or other registered accounts, utility bill payments, credit card settlement, and also obtain information on exchange rates, Banks can automatically send transaction notifications and alerts to mobile phones, if specific events in the banking sms solution .


  • To develop a Mobile Banking System
  • To conduct independent research studies, investigation and analysis.
  • To design, implement, test and evaluate a system in a professional manner.
  • To examine the factors that influences the intention to use of mobile banking services.
  • To examine the opportunities and challenges in mobile banking.
  • To evaluate mobile banking service in terms of its adoptability






Slow up take of WAP has had limited success in enabling customers to access remote information such as banking transactions. However, as banks have come to deploy WAP services the implementation of those services has presented a number of problems. These problems manifest themselves in the form of security and handset support. Additionally customers have become frustrated with long login sequences, slow connections, limited information and functionality available via WAP. They are also put off by long connect times and hence unpredictable costs.  Even with the E-Banking service, bank customer has to have a Personal Computer, which has an internet connection to do particular banking transaction




Rameshgaava (2012) in his study on Topic ‘Indian Banking Sector’ finds that

The sector of commercial banks consist of 33 foreign banks, 40 private sector banks, and 27 public sector banks where majority ownership is included by the government. During the reform period, the financial system permitted the banks to select their lending rates and deposits, and also authorizes higher disclosure to make sure of large transparency in the balance sheets. As a result of reforms in the banking sector the share of entire assets of public sector banks was decreased to 75 percent from 90 percent. In the private sector, the new banks entry diminished the concentration of assets which further might have made the competition stronger which leads to more profitability, productivity, and enhancing efficiency.

Dr. Richard Nyangosi (2014) in his study on Topic ‘Digitizing Banking Services’

 finds that- 


Internet and mobile technologies of recent years have gained momentum and are impacting the working of every process including financial services. Financial Service providers including banks are turning their necks toward the wave of these Technologies. Their findings includes- Adoption of cell phone banking. Out of the respondents surveyed, 26 percent had adopted cell phone banking in India out of those who adopted, mostly were young aged. This service too like any other e-banking services is gaining momentum as customers are finding it easy to bank 24×7. Using different common E-banking services provided through a cell phone, which included: balance inquiry, requesting cheque book, know last few transactions, requesting bank statement, stop payment of cheque, and bill payment. Adoption of Cyber Banking, the findings indicate that, 67.2 percent of the total sample adopted Internet Banking and 36.8 did not adopt.

Malhotra, Pooja & Singh,  (2010) This study is an attempt to present the present status of Internet banking in India and the extent of Internet banking services offered by Internet banks. In addition, it seeks to examine the factors affecting the extent of Internet banking services. The data for this study are based on a survey of bank websites explored during July 2008. The sample consists of 82 banks operating in India at 31 March 2007. Multiple regression technique is employed to explore the determinants of the extent of Internet banking services.





Below are the specifications to be used:-

  1. Pentium III 1Ghz (PC-FGA) based Central Processing Unit
  2. 256 MB Kingston Synchronous Dynamic Ram
  3. Asus CUEP2-M main board integrated with 3Com network channel and controller
  4. 10 GB Seagate Medalist ATA100
  5. Internal 56Kbps V90 Modem
  6. 44MB Floppy Disk Drive
  7. ATX 300Watt Tower Casing
  8. Microsoft compatible keyboard.
  9. GSM Modem


GSM based mobile Phone


  • Automatic Meter Reading (AMR)
  • GSM Pay Phones
  • Fleet/Traffic Management (with optional GPS integration)
  • Security Systems
  • Mobile / Fixed Internet Connectivity



  • Call forwarding
  • Call barring
  • Multiparty
  • Call waiting and call hold
  • Calling line identity
  • Advice of charge
  • Closed user group
  • Explicit Call Transfer




 WML/WML Script:

WML has been designed to display mainly text-based pages. It is tag based, shares elements  of the HTML 4 and HDML 2 and is defined as an XML document type. Each WML Document is a single deck, which is made up of 1 or more cards. When user access a WAP  site, it sends back a deck, the user is shown the first card, reads the content, possibly can  enter some information and then moves to another card, the choice is dependant on the user’s action. The way the card is displayed is left to the browser.

Advantages of WML:

  • It has support for text and images (WBMP)
  • Allows user’s input
  • Variables- can be included in the WML code to keep track of hidden

information and to manipulate user input.

  • Navigation and history stack- common navigation and history functionalities
  • International support –WML character code is UNICODE, which uses 16

bits to represent each character.


Whenever we start a WAP session on our mobile phone:

  1. A connection is created via WSP (Wireless Session Protocol) between the mobile  phone and the WAP gateway, which assumes is present network.
  2. As you enter the selected WAP site, the gateway is sent a request from the device’s micro browser using the WSP.WSP is the WAP protocol in charge of starting and ending the connection from the mobile devices to the WAP gateway.
  3. The gateway translates the WSP request into HTTP request and sends in to the
  4. The origin server sends bank the request information to the gateway via HTTP.


  1. The gateway translates and compresses the information and sends it back to the    micro browser in the mobile phone.



  • MOBILE to loan statements
  • Access to card statements



  • Mobile banking can offer services such as the following Alerts on account activity or passing of set thresholds


           Account Information

  • Mini-statements and checking of account history
  • Monitoring of term deposits
  • Access
  • Mutual funds / equity statements
  • Insurance policy management
  • Pension plan management
  • Status on cheque, stop payment on cheque





  • Status of requests for credit, including mortgage approval, and insurance coverage
  • Check (cheque) book and card requests
  • Exchange of data messages and email, including complaint submission and tracking
  • ATM location


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