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Product Category: Projects

Product Code: 00002916

No of Pages: 64

No of Chapters: 5

File Format: Microsoft Word

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This project is aimed at designing and developing a more secured Internet/Mobile network system that will be able to realize some of the steps and processes involved in the procedures that will reduce or eliminate fraudulent activities via electronic payment system

The programming languages considered for the development of this project include VB Application and C# (C Sharp), .NET framework, Microsoft visual studio .NET 2003, servers including Microsoft Windows Server 2003, Microsoft SQL Server 2008 and Microsoft BizTalk.

The system has been developed with much care that, its free of errors and at the same time it is efficient and less time consuming.










1.1.     Background of the Study           

1.2      Statement of the Problem

1.3      Scope of the Study

1.4      Aim and Objectives of the Study

1.5      Statement of Research Questions

1.6       Limitation of the Study

1.7      Methodology



2.0      Introduction           

2.1      Definition of Related Terms

2.2       The View on Electronic Banking

2.3      Brief Profile of Fidelity Bank Plc

2.4      The Entry of Nigerian Banks into Electronic Banking

2.5      Threats of Cyber-Crimes on the Nigerian Banking Premises

2.6      The Regulatory Challenges

2.7      Electronic Banking Profitability and Efficiency

2.7.1              Bank Customer Relationship

2.7.2              Operation of Financial Institution

2.8.0   Major Issues

2.8.1  The Internet as the Information Superhighway

2.8.2  Electronic Commerce

2.9      Cryptography Concepts for E-Banking

2.9.1  Electronic Encryption

2.9.2  Authentication



3.1      Introduction           

3.2      Database Design of the System

3.3      Users of the System



4.1      Software      

4.2      Programming Language Used and Justification

4.3      System Screen Shots

4.4      System Description

4.4.1              Account Information.

4.4.2              Tools and Technologies Used



5.1      Summary

5.2      Conclusion  

5.3      Recommendations




FIGURE 3.1:             Admin Panel

FIGURE 3.2:             Admin Transaction Panel

FIGURE 3.3:             Choosing Transaction

FIGURE 3.4:             Account Processing

FIGURE 3.5:             ER-Diagrams

FIGURE 3.6:             Activity Diagram for overall System

FIGURE 3.7:             Fund Transfer Diagram

FIGURE 4.3.1:          Home Page 

FIGURE 4.3.2:          Login Page   

FIGURE 4.3.3:          User Page

FIGURE 4.3.4:          Transaction Page   

FIGURE 4.3.5:          Account Statement Page



Table 3.1: User Login Table

Table 3.2: tblAccount Table

Table 3.3: tblCustomer Table

Table 3.4: tblTransaction Table 






The new millennium brought with it new possibilities in terms of information access and availability simultaneously, introducing new challenges in protecting sensitive information from some eyes while making it available to others. Today’s business environment is extremely dynamic and experience rapid changes as a result of technological improvement, increased awareness and demands Banks to serve their customers electronically. Banks have traditionally been in the forefront of harnessing technology to improve their products and services.

The Banking industry of the 21st century operates in a complex and competitive environment characterized by these changing conditions and highly unpredictable economic climate. Information and Communication Technology (ICT) is at the centre of this global change curve of Electronic Banking System in Nigeria today. (Stevens 2002).

Assert that they have over the time, been using electronic and telecommunication networks for delivering a wide range of value added products and services, managers in Banking industry in Nigeria cannot ignore Information Systems because they play a critical impact in current Banking system, they point out that the entire cash flow of most fortune Banks are linked to Information System.

Virtually almost all Banks in Nigeria have a web presence; this form of Banking is referred to as Internet Banking which is generally part of Electronic Banking.

The Internet allows businesses to use information more effectively, by allowing customers, suppliers, employees, and partners to get access to the business information they need, when they need it. These Internet enabled services all translate to reduced cost: there are less overhead, greater economies of scale, and increased efficiency. E-Banking’ greatest promise is timelier, more valuable information accessible to more people, at reduced cost of information access. With the changes in business operations as a result of the Internet era, security concerns move from computer labs to the front page of newspapers.

Application service providers (ASP) and exchanges offer especially stringent — and sometimes contradictory — requirements of per user and per customer security, while allowing secure data sharing among communities of interest. E-Banking depends on providing customers, partners, and employees with access to information, in a way that is controlled and secure. Technology must provide security to meet the challenges encountered by E-Banking. Virtually all software and hardware vendors claim to build secure products, but what assurance does an E-Banking have of a product’s security? E-Banking want a clear answer to the conflicting security claims they hear from vendors. How can you be confident about the security built into a product? Independent security evaluations against internationally-established security criteria provide assurance of vendors’ security claims.

Customer expectation, in terms of service delivery and other key factors have increased dramatically in recent years, as a result of the promise and delivery of the internet. Even after the “dot –com crash” these raised expectations linger.

The growth in the application and acceptance of internet-driven technologies means that delivering an enhanced service is more achievable than ever before, however it is also more complex and fraught with potential costs and risk. The internet introduces customers to a new perception of business time as always “on available 24/7, and demanding an urgent and rapid response. The challenge for managers is to reconcile their business and their own personal perceptions of time with the perceived reality of internet time. The internet has decisively shifted the balance of power to the customer.

The internet is revolutionizing sales techniques and perceptions of leading brands, and the internet is intensifying competition in all its forms.

Banking are continuing to use the internet to add value for their customers; but in order for this to work effectively - maximizing opportunities, reducing risks and overcoming problems, an E-Banking strategy is required as an impact.

The growth of the Web and Internet as new channels, the growth in their use by customers, the growth in their use by customers, and the floor of companies entering the market, presents a series of key challenges to companies. It is easy and cheap to put up a website. But to create an environment delivering effective service on the Web to a significant proportion of your customer base requires an E-Banking strategy.

Electronic Banking offers different online services like balance enquiry, request for cheque books, recording stop payment instructions, balance transfer instructions, account opening and other form of transitional Banking services.



Part of the daily operations of financial institutions, with banks in particular, entails interacting hugely, on a physical basis with humans – who are their customers. These transactions are widely varied. This has, primordially, created a lot of chaotic situations in the banking halls. In a lot of these cases, customers have had to abandon their primary purpose of visiting the bank out of frustration. This dejection has led to customer’s turn- over rate at banks hitting a geometrically high rate.

Hence, the introduction of electronic or wireless payment to banking industry which has posed a lot of security concerns. Though these devices have their internal security set ups there is still need to improve on the security arrangements in order to secure customers fund and other vital information.

The existing securities are basically built on two aspect of information/fund protection components i.e.

 1. What you have (Card)

 2. What you know (PIN/Code)

The third component, what you are (Biometrics) has not been exploited to further to serve as additional security.  The reason for this may not be farfetched, because the concept of wireless transactions is to make it available to all customers at affordable cost and convenience.




This study covers the processes, procedures, and application of Internet and Mobile Banking (Online Banking), with underlying security consideration. Specifically given the defined time space of completion of this work, this study tends to have as a major scope and achievements the following:

1.     The design and development of a database to serve as an repository of data required for necessary transactions and reporting in the system.

2.     The design of appropriate forms, both for input of requisite data and output of necessary information.

3.     Generation of various forms of reports, as would be deemed necessary for different cadre of management.

4.     Addition security features/checks to ensure and authenticate the veracity of whoever is making use of the system, thus providing the necessary audit trail.

5.  Ensuring that all the above listed are both deployed over the internet, as well as, through mobile telephones



The aims and objectives of this project work is to design and develop a more secured Internet/Mobile network system that will be able to realize some of the steps and processes involved in the procedures that will reduce or eliminate fraudulent activities via electronic payment system. This additional security will be demonstrated through effective checks on:

(1)    Customer’s online and mobile information update.

(2)    Transfer of funds through internet and mobile means between customers that use the same bank.

(3)    Provision of a facility that will enable customers to check their account balance over the internet, also, through their mobile phones.

(4)    Placing a new cheque book order over the Internet or mobile phones.

(5)    Checking for information relating to loans request

With the tasks/functions, stated above, being an integral part of the operations and processing capacity of banks, errors may be minimized, or in its utmost completeness, eradicated entirely.

The human, as well as, material resources physically present will be adequately channeled to meet some other needs. Customers, also, will be afforded some control and close to real-time response to their enquiries and demands for certain transaction with the bank.



Since the release by CBN, August 2003 and the subsequent policy on the guideline of Electronic Banking system in Nigeria, One of the questions that currently being addressed is the impact of electronic Banking on the traditional banking players; there are two views that are prevalent in the Market. The controversies that the internet is a revolution that will sweep away the old order, argument in are as follow:

·        Electronic Banking transactions are much cheaper than branch transactions. Banks are easy to set up with lots of new entrants. ‘Old world’ systems, cultures and structures will not encumber these new entrants; instead they will be adaptable and responsive. Electronic Banking gives consumers much more choice and consumers will be less inclined to remain loyal.

·        Deposits will go elsewhere because these banks will have to fight to regain their customer base. There would be increase in their cost of funds, making their businesses less viable.

·        Portal providers are likely to attract the most significant share of banking profits.

·        Traditional banks will find it difficult to evolve; they will be unable to obtain additional capital from stock market.



In view of the technicalities involved, it would be unrealistic to assume that all necessary facts have been gathered in the process of the study. Information gathered is limited to those accesses and made available by the respondents and also those gathered from end users. However, the impacts of this limitation will be reduced to the barest minimum.




           Often times, new computer systems replace existing manual systems, and the new systems may be replace after sometime.  The process through which this change is effected happens in series of stages and the whole process is called the “System Life Cycle”.

A new system life cycle normally triggers some results such as the perception of a business need, failure or limitations of system causing dissatisfaction or heightened awareness of modern development.  Whatever reason, it is the management who will initiate the selection of a project for preliminary study of investigation.

The stages involved in system life cycle are:

·        Preliminary Survey

·        Feasibility Study

·        Investigation and fact recording

·        Analysis

·        Design

·        Implementation

·        Maintenance and Review

These stages will be examined in later chapters.

Methodology is simply the process through which structured system analysis is carried out i.e. the different methods involved in system design.

·           Providing a recommended series of task to be carried out so that the Methods fit together as a whole.

·           Leading themselves to some degree of automation and the corresponding controls that go with providing a number of well-defined and complementary in which to represent information about importance of the system aspect.

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