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An Android & Web Based Banking System
Article · January 2020
DOI: 10.9790/0050-03033438
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Zinnia Sultana Mukti
International Islamic University Chittagong
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IOSR Journal of Mobile Computing & Application (IOSR-JMCA)
e-ISSN: 2394-0050, P-ISSN: 2394-0042.Volume 3, Issue 3. (May. - Jun. 2016), PP 34-38
www.iosrjournals.org
An Android & Web Based Banking System
Zinnia Sultana
(Assistant Professor, Department of Computer Science & Engineering, International Islamic University
Chittagong, Bangladesh)
Abstract: An android application and web portal for banking system has been developed where the transaction
can be made very easily. The system we have developed which is web based having feature of android version
application. Android is an operating system for cellular phone which is based on Linux kernel that is at present
development by Google. We use this application in bank sector. Normally our most of the bank provides
manual registration for creating bank account. Customer must be presented in bank to open bank account.
These systems sometimes difficult for the people and time wasting. Our application will save time and miseries.
To increase accessibility we develop a web based as well as android version of our application. By using our
system, user can open a bank account and admin will activated the account after verifying. Admin can update
account and check account as well as active or inactive the account. User can transfer money from one account
to another. User can check bank statement, user details and transfer money through the website and android
apps.
Keywords: Application, Banking system, Security, Transaction
I. Introduction
Mobile banking is a system that allows customers of a financial institution to conduct a number of
financial transactions through a mobile device such as a mobile phone or tablet. Mobile banking offers many
advantages, easy access and plentiful applications for smart phones, provide a good security. The biggest
benefit is that you have more control of your money, Mobile banking takes us back to the days when we used
passwords, and many services are pretty basic. People use it to check balances and monitor finances.
The earliest mobile banking services used SMS, services known as SMS banking. With the
introduction of smart phones with WAP support enabling the use of the mobile web in 1999, the first European
banks started to offer mobile banking on this platform to their customers. It has until recently most often been
performed via SMS or the mobile web. Advancements in web technologies such as HTML, CSS3 and
JavaScript have seen more banks launching mobile web based services to complement native application.
Information system/technology can be any organized combination of people, hardware, software,
communications networks, and data resources that collect, transforms, and disseminate information in an
organization,[http:/www.jonathandonner.com/dpnner.teller.m-banking use pdf.]. Banks urgently need to
improve the ability to think strategically about information technology investments. Only banks that use their
technology resources effectively have the opportunity to secure real competitive advantage in this fast changing
industry through real product or service differentiation. Since 1980, banking in the UK has undergone
tremendous structural changes, this has been primarily the result of new regulation and new technology, which
itself precipitated the change in regulation. One of the most important regulatory changes is the abolition of
credit controls on sterling lending, which was followed by the expansion of the bank’s direct consumer lending,
credit card and montage business.
II. System Implementation
The main objectives of mobile banking system are
To create banking system which is online based.
The account can be opened through the online registration.
The transaction can make by the user.
Admin can active and deactivate account and update account information
Admin can active account.
Admin can update information.
Having an option of email, so that user or admin can send email for verification.
Facility to transfer money to one account to another
In this section, described the system work flow in details. The flow diagram shows the main
target of this work. The working flow is divided into major parts that are:
DOI: 10.9790/0050-03033438 www.iosrjournals.org 34 | Page
An Android & Web Based Banking System
1. Request for creating account 2. Active account by admin sending email to user 3. User log-in 4. For security
password & pin 5. Check Bank statement and user details 6. Fund Transfer.
The workflow of the proposed work is shown in Fig.
Fig1: Workflow of the proposed system
1. Request for creating account
Mobile banking is a system that allows customers of a financial institution to conduct a number of
financial transactions through a mobile device. The biggest benefit is that user can open account through the
computer. After verification by the admin account will be activate. Admin send a mail with account _no to user
email Fig.2 shows the application form of creating bank account.
Fig2: Creating bank Account online.
DOI: 10.9790/0050-03033438 www.iosrjournals.org 35 | Page
An Android & Web Based Banking System
2. Security of mobile banking system
This section describes the procedure of the mobile application that process of security system. The
security of mobile banking is user log in. For the security purpose there need password and pin number for log
in to the account.
Fig 3: log-in system
3. User details
In this section describes the process of retrieving data from the user’s current information through the
android mobile application and web. For this step, user needs to log-in to user’s account with password and pin.
Fig. 3 shows user details of bank account holder
Fig.4 Retrieve user details information.
4. Retrieve Bank statement of user
A bank statement or account statement is a summary of financial transactions which have occurred
over a given period on a bank account held by a person or business with a financial institution. This section
described the process of retrieving the bank statement of user. After user’s current transaction user can see the
bank statement to the user mobile. Figure-5 shows the Bank statement of the user.
Fig. 5 The customized bank statement
DOI: 10.9790/0050-03033438 www.iosrjournals.org 36 | Page
An Android & Web Based Banking System
5. The types of financial transactions which a customer may transact through mobile banking include obtaining
account balances and list of latest transaction. Fund transfer between customers account or another customers
account. Some also enable copies of statements to be downloaded and sometimes printed at the customer’s
premises, and some banks charge a fee for mailing hardcopies of bank statements.
Three types of transaction are introduces here-
Domestic Transfer: For transaction of local bank in a country we offer domestic transfer.
Local Transfer: For transaction of same bank in a country we offer local transfer.
International Transfer: For transaction of bank in different country we offer international transfer.
Fig. 6 Fund Transfer
Fig. 6 shows the direction towards the victim’s current location. According to the figure, the receiver
retrieves the current location of the victim after opening the getting message which shows direction of victims
via Google map.
III. Experimental Result
This section explains the performance analysis of the proposed system. The criterion that is considered
in this section is the transaction facility provide in mobile banking system. This criterion is based on the
performance of mobile banking system. In the experiment it is tested whether the system run through the
particular situation. The experimental result is shown in Table I.
Table1: Experimental Result in Particular Situation
Condition Excepted User Actual Result Causes
Empty some information in False False Error so all data result error
Registration page.
Having Zero balance trying to False False No money transfer and
send money error
Invalid date Format and invalid False False Error no Result
Account no
Giving information True True System run successfully
Correctly
Log In with account No & True True Allowed to login
password
From the experimental result it is seen that the mobile banking system is worked perfectly when the use
of Account-no, password and pin are correct. In other case it does not work.
DOI: 10.9790/0050-03033438 www.iosrjournals.org 37 | Page
An Android & Web Based Banking System
IV. Conclusion
In this paper a generic approach is presented mobile banking system which is mobile application and
web based. We collected raw information in details to develop it. The raw material was collected from the
information system of different banking. We introduce a banking system which is used for the internet banking.
We provide some feature in our system which is user friendly. In our system we provide internet banking which
means the online transaction facility. Yet, the system has some limitations. The transaction is made locally.
Different sectors of bank has no implemented like interest rate.
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