DESIGN AND IMPLEMENTATION OF AN ONLINE ATM CARD REQUEST AND DELIVERY SYSTEM WITH TRACKER (A CASE STUDY OF GUARANTEE TRUST BANK PLC). A RESEARCH PROJECT MATERIAL ON COMPUTER SCIENCE EDUCATION
Online ATM Card request and delivery system with tracker is a system designed to assist bank customers and financial institutions computerize the process of customers requesting for Automated Teller Machines (ATM) cards and verifying the customers’ records with an embedded tracker to speed up the process considering the problems faced by doing this manually. The system was studied and relevant officials were interviewed to acquire the required data. This designed system allows for easy retrieval of information that is accurate for effective and efficient allocations of ATM cards to financial institutions customers. It has easy maintenance of information as well as time saving and reduction in operation. The system designed in HTML, CSS, MYSQL and PHP is interactive, menu-driven and user friendly. It provides timely information about customers without their ATM cards. Most ATM operations are recorded and stored in the computer and retrieved as will. It ensures security as users must just request once before the issue of the ATM Card.
The evolution of payments in recent history has gone from cash to cheques, and then to payment cards such as credit cards and debit cards. Interestingly, ATM cards are the most rapidly growing method of payments in several countries around the world. Information and communication technology (ICT) have also provided new products and value-added services to be delivered using the same electronic infrastructure. In order to remain competitive, most companies invest a lot of money in modern ICT infrastructure. ICT has also changed drastically the way businesses are done in these modern times. In recent years, the use of different channels for banking and financial services has changed the whole way bank customers and their banks interact. With the increasing popularity of the internet, more and more industries are seeking ways to utilize this popular medium in an effort to keep up with the changing technological preferences of their customers. These days you can do just about anything online from grocery shopping to making a free phone call to a friend in Tokyo through your PC. The possibilities of the internet are seemingly endless and the banking industry has decided that it will not be left behind. While most people have at least heard of online banking, the majority of them have probably not tried it yet. Maybe it’s because we find more comfort in working with real people and real paper when it comes to money matters rather than performing transactions in the seemingly impersonal universe of the World Wide Web. A number of authors and experts have defined e-banking services as a contemporary facility that provides conventional bank products and services through a new medium i.e. IT.
It is entirely automated facility based on IT delivery mechanism to conventional banking users’ products and services. It provides online medium of conducting and providing various banking services, such as, online accessibility of bank account, online fund transfer facility, online bills paying facility etc. The benefits provided by e-banking medium have resulted into swift growth of banking sector worldwide.
The internet facility has transformed the business world in terms of managing business. According to Abu Shanab et al. (2010), internet has transformed the entire business pattern for people as well as for businesses. Although, technological advancements are happening everyday but not every advancement has been welcomed and adapted by financial sector; but financial sector that enjoying advantages of this new mode of service delivery, has adapted the e-banking phenomenon from its introduction only. Originally it was used for online banking promotional activities of their products and services; but as the e-banking concept developed, banks have started enjoying its various other advantages, such as, reduced per transaction cost, enhanced customer service, raised long term returns by providing ‘anytime anywhere’ banking to the banking customers.
Technological advancement specifically, in IT is always seen as the main source of changes taking place around the globe. The entire banking industry has entered into an unparalleled competitive form facilitated by new ICT infrastructure, because of universal and gradual development of ICT.