网上银行系统分析研究外文翻译.docx
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网上银行系统分析研究外文翻译.docx
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网上银行系统分析研究外文翻译
外文翻译
AnalyticalStudyonInternetBankingSystem
MaterialSource:
http:
//www.openj-gate.org/Author:
FahadH.Alshammari
1.INTRODUCTION
Consumerbehaviorischangingpartlybecauseofmoresparetime.Thewayofuseoffinancialservicesischaracterizedbyindividuality,mobility,independenceofplaceandtime,andflexibility.Financialtransactionscausedbypurchaseswillmoreandmorebecarriedoutbynon-andnear-banks[1].Thesefactsrepresentbigchallengesforprovidersoffinancialservices.MoreandmoretheInternetisconsideredtobea"strategicweapon".FinancialservicescompaniesareusingtheInternetasanewdistributionchannel.Thegoalsare:
complexproductsmaybeofferedinanequivalentqualitywithlowercoststomorepotentialcustomers;Theremaybecontactsfromeachplaceofearthatanytimeofdayornight.
Thismeansthatfinancialinstitutionsmayenlargetheirmarketareawithoutbuildingnewofficesorfieldservices,respectively[2].Becauseofitsimageasaninnovativecorporation,betterinteractingpossibilities,theusageofrationalizationpotentials,promotionofself-servicedas,theimprovementofitscompetitivesituationbydevelopmentofcorecompetenciestogetherwiththeconstructionofmarketentrybarriers,itmaybepossibletoincreaseprofitsandmarketshares.
Onewayofexploitingrationalizationpotentialsistheimplementationoftheentiretransaction(frompurchasetopayment)underacommonuserinterface.Informationcollectedinoperativedatabasesoffinancialinstitutionsallowsthemtoactasinformationbrokers.Offeringspecialinformationinclosedusergroupsmayresultinmoreintensecustomercommitment,aswellascustomerbonding.Know-howthatisbuiltupbyInternetpresencemaybeusedtofacilitateInternetpresenceofsmallercompanies.Theuseofdigitalcoin-basedmoneytocompletelysettletransactionsintheInternetisanewserviceprovidedbyfinancialinstitutions[4].
IntherecentyearstherehasbeenexplosionofInternet-basedelectronicbankingapplicationsstatesthattheemergenceofnewformsoftechnologyhascreatedhighlycompetitivemarketconditionsforbankproviders.However,thechangedmarketconditionsdemandforbankstobetterunderstandingofconsumers'needs.
In[5]stressthatthesuccessinInternetbankingwillbeachievedwithtailoredfinancialproductsandservicesthatfulfillcustomer'wants,preferencesandqualityexpectations.concedesthatcustomersatisfactionisakeytosuccessinInternetbankingandbankswillusedifferentmediatocustomizeproductsandservicestofitcustomers'specificneedsinthefuture.Suggestthatconsumerperceptionsoftransactionsecurity,transactionaccuracy,userfriendliness,andnetworkspeedarethecriticalfactorsforsuccessinInternetbanking.Fromthisperspective,Internetbankingincludesmanychallengesforhumancomputerinteraction(HCI).
In[6]haveremarkedthatthereareatleasttwomajorHCIchallengesinInternetbanking.ThefirstchallengeisrelatedtotheproblemhowtoincreasethenumberofservicesofInternetbankingandsimultaneouslyguaranteethequalityofserviceforindividualcustomers.Thesecondchallengeisrelatedtotheproblemhowtounderstandcustomer'sneeds,translatethemintotargetedcontentandpresenttheminapersonalizedwayinusableuserinterface[7].ImplythatInternetbankingresearchwillconcentratemoreonHCIfactorsinthefuture.Recently,emphasizethatnowisanidealtimeforHCIresearcherstoanalyseusersatisfaction,becausethereisgrowinginterestinhowtoattractandincreasethenumberofonlinecustomersine-businessande-commerce.StressthatHCIresearchersshouldrevealastructureofusersatisfaction,determinehowtoevaluateitandconcludehowitisrelatedtotheoveralluserexperienceofonlinecustomers.Theconceptofelectronicbankinghasbeendefinedinmanywayselectronicbankingisaconstructthatconsistsofseveraldistributionchannels.Defineselectronicbankingasthedeliveryofbanks'informationandservicesbybankstocustomersviadifferentdeliveryplatformsthatcanbeusedwithdifferentterminaldevicessuchasapersonalcomputerandamobilephonewithbrowserordesktopsoftware,telephoneordigitaltelevision[8],[9].
2.METHODOLOGY
2.1.FunctionalRequirement
Generalprinciplesofrequirementsengineeringisadistinctionbetweenrequirementsdefinitionsandrequirementsspecifications.
Asoftwarerequirementsdefinitionisanabstractdescriptionoftheserviceswhichthesystemshouldprovideandtheconstraintsunderwhichthesystemmustoperate.Andrequirementsdefinitionisprobablythemostimportanttechniqueinstructuredanalysis.Itistheonlytechniquethatpermeateseverystepofthemethod.Italsoisoneoftheleastpictorial,makingitdifficulttodescribeprecisely.Inessence,thetechniqueinvolvescapturingwhattheusersreallywantandmakingsurethateverysubsequentprojectactivityleadstothebestpossibletransformationofthoseuserneedsintosystemneedswhich,whensatisfied,willdeliverwhattheuserswantedinthefirstplace.
Customer
Thevalidcustomeroninternetbankinghasasetofrequirementshe/shedoesoninternetbanking.Theserequirementsareofferedonnextpointes.
Login
Acustomertobeabletousethissystem,he/shehastoenterusernameandpasswordwhichhe/shehascreatedbeforeandbeensavedinthedatabaseintheLoginpage.ThisfunctionmightbeacustomeroranAdminalso.
Theinputinthisfunctionmostbevalidusernameandvalidpasswordandtheoutputiftheuserisvaliduserthenhe/shewillgetintoapagewhichcanmakeshas/her
transaction,butiftheusermadewronginusernameorpasswordthenhe/shewillbeinvaliduserandwillseeamessage“AlertInvalidUsernameandPassword”andtologinagain.
ViewAccount
Thecustomercanalsoviewtransactionhistorywithretentionperioduptoamaximumof90days.Withinthisfeature,thecustomercanrequestforaccountsuchas“viewonline,bye-mailorbypostoption.Butthecustomermostbeloggedintheinternetbanking.Viewaccountallowstoacustomertoviewtoday’sup-totheminuteinformationdeposit(saving/current),creditcard,etc.
TransferFunds
ThecustomermustbeloggedintoBankingSystemtobeabletomakehis/hertransactionfortransferfunds.TransferFundsallowscustomertotransferfundsbetweenauthorizedaccounts–ownpersonalaccounts.Requestedtransfertakeplaceimmediatelyorataselectedfuturedatespecifiedbycustomer.Thecustomercansaveuptoamaximumof10accountsandupdateordeletetheaccountdetails.Alltheoutstandingfuturetransfersarerecordedinatable.Thecustomercanenquirewhetherthereisanyfundstransferpendingand.whenthecustomerselectstheTransferfunds,thesystemwilldisplayMenutoselectTransferFundsfunctionfortransferfundsorTransferHistoryfunctionfordisplaythetransactionhe/shedone.
PayBills
ChequeServices
ThecustomermostbeloggedintoBankingSystem.Thecustomermayenquirieschequestatus,whetheritispaid,unpaid,stoppedorreturned.Italsoallowscustomertostopchequepaymentandtorequestforachequebookonline.
Utility
ThecustomermostbeloggedintoBankingSystem.Utilityallowscustomertochangepasswordandthesecuredeliverycontactinformation.Withinthisfeature,thecustomercanalsochangetheonlineprofilepersonalinformationthatisretainedbytheinternetbankingsystemonly.AndthecustomercancanceltheATM
facilities.
Logout
ThecustomermostbeloggedintoBankingSystem.Thisfunctionisusedwhenaloggedinuserfinisheshis/herjobandwantstobeloggedoutsothatnoonecanabusehisusername.Thesystemwillstatetheuserhasbeenloggedoutsuccessfully.
Administrator
Anadministratoristhatpersonwhomakessomeeditingfortheinternetbankingsystemlikeadd/cancelcustomer,checkthetransactionsetc.butthisadministratormustbevaliduser.Thereforetheadministratormusthaveausernameandpassword.Intheprojectwewillnotgodeepinanadministratorbecausewewillfocusonthecustomerandhis/herrequirementsmorethantheadministrator.
2.2.FunctionalRequirementSpecification
Requirementsspecificationsaddfurtherinformationtotherequirementsdefinition.Naturallanguageisoftenusedtowriterequirementsspecifications.However,anaturallanguagespecificationisnotaparticularlygoodbasisforeitheradesignoracontractbetweencustomerandsystemdeveloper.AFunctionalRequirementsSpecificationdescribeswhatisrequiredtomeettheusers'businessneeds.Functionalrequirementsspecifywhichactionsthedesignmustprovideinordertobenefitthesystem'susers.Functionalrequirementsaredeterminedbytheneeds,user,andtaskanalysisofthecurrentsystem.
Customer
Wementiontowhatthecustomerneedstodooninternetbankingsystemandwearegoingtogothroughtheseneedsandhowthecustomercandoit.
Login
Definition:
Fortheuserstobeabletousethissystem,theyhavetoenterusernameandpasswordwhichtheyhavecreatedbeforeandbeensavedinthedatabaseintheLoginpage.TheusermightbeacustomeroranAdminalso.
ViewAccount
TransferFunds
Definition:
TransferFundsallowscustomertotransferfundsbetweenauthorizedaccounts–ownpersonalaccounts.Requestedtransfertakeplaceimmediatelyorataselectedfuturedatespecifiedbycustomer.
PayBills
Definition:
ThecustomerselectstheBillPaymentunctionalitythenthesystemdisplaysBillPaymentMenu,andthecustomerselectsoneoffourfunctionalities
romBillPaymentmenu.
PayRegisteredPayment
OpenPayment
PayRegistration/DeleteRegistrationBills
BillPaymentH
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