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OBJECTIVES OF THE STUDY
RESEARCH METHODOLOGY
1. Primary data
2. Secondary data
Primary data
Primary data are those data which are collected by the investigator himself. There are
different methods for collecting such data. The methods adopted for the study are
• Interviews with the authorized personnel in the organization such as branch Manager,
Assistant General Manager.
Secondary data
Secondary data are those data which are collected by others which is reused by the
researcher. Of the many sources of the secondary data the ones which are used here are
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• Google.com
• Articles
• Business Magazines
Today’s Business world becomes more competent and technology dependant. S o the
business world faces various challenges and opportunities. E-business increases the
business performance. It allows enterprises to improve customer service, productivity
and to reduce the overall costs. As E-business leads to global accessibility, sales reach,
closer relationship, reduced costs, and reduced time delayed, it is very necessary to
know about E business and its applications
LIMITATIONS
CHAPTERISATION
This project report is mainly divided into five chapters and each of them deals with the
following.
CHAPTER 1: INTRODUCTION
It deals with the objectives, research methodology, scope of study, limitations and
chapterisation.
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CHAPTER 2: COMPANY PROFILE
It deals with the findings & suggestions made after the study.
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CHAPTER-2
COMPANYPROFILE
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COMPANY PROFILE
KSFE was created by the Government of Kerala with the objective of providing
alternative to the private chit promoters in order to bring in social control over the chit
fund business, so as to save the public from the clutches of unscrupulous fly-by-night
chit fund operators.
The KSFE Ltd is fully owned by the Government of Kerala. It was incorporated
on 6th November 1969.It has a paid up capital of Rs.2 Lakhs. Total number of
employees at the start was 45.The number of branches KSFE began with was 10.The
head Office KSFE is placed in Trichur, the chitty business in Kerala.
A striking point is that all the funds mobilized by KSFE through its various
deposit schemes and chitties are advanced wholly to the public in Kerala itself; where
as other financial institutions and banks channel their deposits collected in Kerala for
advances
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industrial and community use and consumption as a business of the Company or as
agents of the Government, State or Central or any body or organization there under or
of any other Company. Besides these objects, there are many other objects, which is
incidental or ancillary to the main objects such as to advance, deposit with or lend
money, securities, property or to receive loans or grants or concession of any
nature or deposits from Banks, Government or Governmental organizations or others.
performance
The government is taking appreciable steps to widen the business activity of KSFE and
to reach every category of people. The future plans of the company include the
following:-
• Making KSFE a fully computerized Company
• Opening more and more new branches, including chitty units to establish its
presence in all major centres and backward areas, aiming at effective rural
penetration.
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• Introducing value additions in chitty schemes - for coping with the fierce
competition in the financial market, for more popularity and widening our
customer base.
• Acting as the collection agent for KSEB, KWA, etc., throughout the state.
Kakkanad,Cochin and to house among others a Staff Training College for itself.
• Expanding its door collection facility to loan accounts and deposit schemes
a wide scope among traders, will raise the Company's market share considerably
• Starting of Virtual Branch through net worked computer systems for the
benefit of NRIs particularly Malayalees in the Gulf & other countries is on the
anvil. This will obviate the need for "brick and mortar branches" and will enable
customers who have internet access, to transact with the Company through virtual
branches.
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CHAPTER-3
THEORETICALPERSPECTIV
E
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THEORETICAL PERSPECTIVE
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E-business solution supports interactivity and transport rich information content,
helping customers and businesses redefine concepts such as value, competitiveness and
the very nature of transactions. Moreover they affect all areas of an organization,
fundamentally changing how it buys and sells products; collaborates with customers,
suppliers and distributors; manages its supply chain and how it designs and launches
new product. E-Business is the use of Internet technologies to inter network and
empower business processes, electronic commerce and enterprise communication and
collaboration with in a company and with its customers, suppliers and other business
stakeholders.
INTERNET
The world’s largest and most widely used network is the Internet. The Internet
is an international network of networks that are both commercial and publicly owned.
The Internet connects hundreds of thousands of different networks from more than 200
countries around the world. More than 400 million people working in science,
education, government and business use the Internet to exchange information or
perform business transactions with other organizations around the globe. The Internet is
extremely elastic. If networks are added or removed or failures occur in parts of the
system, the rest of the Internet continues to operate. Through special communication
and technology standards, any computer can communicate with virtually any other
computer linked to the Internet using ordinary telephone lines. Companies and private
individuals can use the Internet to exchange business transactions, text messages,
graphic images and even video and sound, whether they are located the next door or on
the other side of the globe. Thus the Internet is a global network of networks provides a
highly flexible platform for information sharing. Digital information can be distributed
at almost no cost to millions of people throughout the world.
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USES OF INTERNET
• On-line communication
• Software sharing
• Product information
• On line shopping
Firewalls
Cookies
Firewall
Firewall is used to monitor all traffic in the network or computer and only
allow authorized packets of data to pass through them. They sit at the forefront of a
network or computer and all the traffic passes through them. They come in two flavors-
hardware and software. A hardware firewall is the most secure version and would be
used by large companies.
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A software firewall is more suited to a Personal Computer or Small to
Medium sized Enterprises and is much cheaper. They both perform exactly the same
task.
Cookies
Cookies are small text files that are created when we visit a website that uses
them. The website uses the cookies to remember who you are and what you have
visited or purchased from their site. A security hole has been discovered that allows
websites to read cookies set by other websites. A better option is to go for additional
software to block cookies and delete one cookie file after we finish browsing.
INTRANET
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Intranet is an internal network based on Internet and World Wide Web
technology and standards. It can provide access to data across the enterprise. It uses the
existing company infrastructure along with Internet connectivity standards and software
developed for the World Wide Web. Intranets can create networked applications that
can run on many different kinds of computers throughout the organization, including
mobile handheld computers and wireless remote access devices.
EXTRANET
An Extranet is a private network that uses Internet technology and the public
telecommunication system to securely share of business information or operations with
suppliers, vendors, partners, customers and other businesses. An extranet and be viewed
as part of a company’s intranet that is extended to users outside the company. It has
also bean described as a “state of mind” in which the Internet as perceived as a way to
do business with other companies as well as to sell products to customers. Business -to-
Business deals are done entirely over the Extranet. The extranet consists of two
Intranets connected via the Internet, whereby two organizations are lacked to see
confidential data of together. An Extranet requires security and privacy.
An Extranet could be described as two or more intranets with network connectivity.
Generally, and as with intranets, an extranet will be based on Internet Protocols. The
underlying network technology does not really matter or instance it may be that
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organization use the Internet for carrying data but restrict access to resources from the
general public via firewalls. A virtual private network could be set up over the Internet
to achieve the same result.
CHARACTERISTICS OF E-BUSINESS
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(Fig No.2.1)
The vision of e-business is that enterprises will have access to a much broader
range of trading partners to interact and collaborate with and not only to buy and sell
more efficiently. An e-business solution should embrace Customer Relationship
Management (CRM) systems, Enterprise Resource Planning (ERP) systems, Supply
Chain Management (SCM) and vertical product offerings.
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mediated relationship through out an e-business lifecycle. Basic elements in e-business
topology include:-
• Customer Relationship Management
• Enterprise Resource Planning System
• Supply Chain Management
• Knowledge management
• E-markets
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Each company in a supply chain must clearly understand the value of
propositions of other participants. Companies must rethink their entire supply chain to
optimize performance and value.
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IMPACTS OF E-BUSINESS
BUSINESS MODELS
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basically applying the internet to replace a traditional way of doing business to more
innovative business models. The second dimension of functional integration ranges
from business models that encompasses one function, such as an e-shop to a business
model that fully integrate multiple functions.
2.Value Web business models
Selz proposed a framework for business model which is known as value web.
This framework…. “Is assuredly not a recipe for success, but a preliminary conception
of an emerging form of a fluid and flexible Organization”. The value web model
consists of several key building blocks: markets, networks hierarchies, information
technology and new-old business models. The value web model looks like a specific
case of the value chain integrator model, which is part of the internet enabled family of
business models.
3.E- business enabled business models
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model examines the nature of intermediation in electronic markets and its implication
for the structure of electronic business.
OPPORTUNITIES
There is a range of e-business opportunities that depend on the nature of the business
and the customers it serves.
• Retail sellers on the internet can sell high quality, specialized products that
appeal to an audience of well educated and well informed people.
• Wholesalers, distributors or service provided can sell to business that have
embraced e-business and that demand the convenience and efficiencies of buying
from a website
• Businesses selling products that are subject to frequent changes (for e.g.:-
Airline tickets, financial instruments) can reduce production and obsolescence costs
because they offer only current products on the site.
• Business is selling products that can be sampled on the web (for e.g.:- books,
magazines etc. can promote them economically.
• Companies that already have a corporate website and an efficient network
operation can establish subsidiary sites for related ancillary or consumable products.
BENEFITS
The primary benefits of E-business are:-
1. Global accessibility and sales reach
2. The prospect of increased profits from new market and electronic channels
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Thus, e-business encompasses all forms of on-line electronic trading, taking in
the more narrowly defined concept of consumer based “e-commerce, plus B2B
electronic trading and process integration, as well as the internal use of related
technologies for process integration inside organizations E-business relates to an
enterprise that conducts many of its business functions through electronic means. The
term also refers to businesses that operate on the internet and offer goods, services and
information for sale via the web.
CLASSIFICATION BY PROVIDER AND CONSUMER
Roughly dividing the world into providers/producers and consumers/clients one can
• Business-to-business (B2B)
• Business-to-consumer (B2C)
• Business-to-employee (B2E)
• Business-to-government (B2G)
• Government-to-business (G2B)
• Government-to-government (G2G)
• Government-to-citizen (G2C)
• Consumer-to-consumer (C2C)
• Consumer-to-business (C2B)
1. BUSINESS-TO-BUSINESS (B2B)
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B2B is also commonly used as an adjective to describe any activity, be it
B2Bmarketing, sales, or e-commerce, that occurs between businesses and other
businesses rather than between businesses and consumers.
2. BUSINESS-TO-CONSUMER (B2C):
3. BUSINESS-TO-EMPLOYEE (B2E) :
4. BUSINESS-TO-GOVERNMENT (B2G)
5. GOVERNMENT-TO-GOVERNMENT (G2G)
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Government-to-Government (G2G) is the online non-commercial interaction
between Government organisations, departments, and authorities and other Government
organisations, departments, and authorities. It's use is common in the UK, along with
G2C, the online non-commercial interaction of local and central Government and
private individuals, and G2B the online non-commercial interaction of local and central
Government and the commercial business sector.
6.GOVERNMENT-TO-CITIZEN (G2C)
For example Government sectors become visibly open to the public domain via
a Web Portal. Thus making public services and information accessible to all.
7. CONSUMER-TO-CONSUMER (C2C)
Examples of C2C
• eBay
• Craig list
• Amazon.com
8. CONSUMER-TO-BUSINESS (C2B)
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Consumer-to-business (C2B) is an electronic commerce business model in
which consumers (individuals) offer products and services to companies and the
companies pay them. This business model is a complete reversal of traditional business
model where companies offer goods and services to consumers (business-to-consumer
= B2C).
6. e-mail
7. voice mail
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database the data needed for a variety of business functions such as Manufacturing,
Supply Chain Management, Financials, Projects, Human Resources and Customer
Relationship Management.
An ERP system is based on a common database and a modular software design. The
common database can allow every department of a business to store and retrieve
information in real-time. The information should be reliable, accessible, and easily
shared. The modular software design should mean a business can select the modules
they need, mix and match modules from different vendors, and add new modules of
their own to improve business performance.
4.Human resource management (HRM) is the strategic and coherent approach to the
management of an organization's most valued assets - the people working there who
individually and collectively contribute to the achievement of the objectives of the
business.The terms "human resource management" and "human resources" (HR) have
largely replaced the term "personnel management" as a description of the processes
involved in managing people in organizations. Human Resource management is
evolving rapidly. Human resource management is both an academic theory and a
business practice that addresses the theoretical and practical techniques of managing a
workforce.
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documentation such as news articles, operators' manuals, technical manuals, sales
guides, and marketing brochures. The content managed may include computer files,
image media, audio files, electronic documents, and Web content.
7.Voicemail (or voice mail, voice-mail, vmail or VMS, sometimes called message
bank) is a centralized system of managing telephone messages for a large group of
people. In its simplest form it mimics the functions of an answering machine, uses a
standard telephone handset for the user interface, and uses a centralized, computerized
system rather than equipment at the individual telephone. Voicemail systems are much
more sophisticated than answering machines in that they can:
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• Make calls to a telephone or paging service to notify the user a message has
arrived in.
ELECTRONIC COMMERCE
E-commerce actually helps flatten the playing field between large and
small businesses. In fact, many customers would rather do business with a small
company rather than a large one because the customer service is more personal and
interactive.
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Some of the components of e-commerce include:
• Accounting
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• Co-operative product development
• Commercial transactions.
LEADERS OF E-COMMERCE
• Cisco systems.
• Ariba.
• Amazon.
ADVANTAGES OF E-COMMERCE
Lower transaction costs - If an e-commerce site is implemented well, the web can
significantly lower both order-taking costs up front and customer service costs after
the sale by automating processes.
Larger purchases per transaction - Amazon offers a feature that no normal store
offers. When we read the description of a book, we also can see "what other people
who ordered this book also purchased". That is, we can see the related books that
people are actually buying. Because of features like these it is common for people to
buy more books that they might buy at a normal bookstore.
Integration into the business cycle - A Web site that is well-integrated into the
business cycle can offer customers more information than previously available. For
example, if Dell tracks each computer through the manufacturing and shipping
process, customers can see exactly where their order is at any time. This is what
FedEx did when they introduced on-line package tracking - FedEx made far more
information available to the customer.
People can shop in different ways. Traditional mail order companies introduced the
concept of shopping from home in our pajamas, and e-commerce offers this same
luxury. New features that web sites offer include:
The ability to build an order over several days
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The ability to easily build complicated custom orders
Larger catalogs - A company can build a catalog on the web that would never
fit in an ordinary mailbox.
Improved customer relations- With automated tools it is possible to interact
with a customer in richer ways at virtually no cost. For example, the customer might
get an email when the order is confirmed, when the order is shipped and after the
order arrives. A happy customer is more likely to purchase something else from the
company.
The Business Model- E-commerce allows people to create completely new
business models. In a mail order company there is a high cost to printing and mailing
catalogs that often end up in the trash. There is also a high cost in staffing the order-
taking department that answers the phone. In e-commerce both the catalog
distribution cost and the order taking cost fall toward zero. That means it may be
possible to offer products at a lower price, or to offer products that could not be
offered before because of the change in cost dynamics.
Traditional sales
In traditional sales, the buyer and/or the salesman is the active party. In one
case, the buyer initiates the purchase by either going to the store to buy or calling on the
phone and making an order. In another situation, the salesman goes to the home or
place of business to make the sale, or he calls on the phone to make the sale.
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The business' sales department mails a catalog or other material, and the
customer then makes a purchase from the catalog. These methods all apply to business-
to-person as well as business-to-business sales.
Online commerce
Online commerce adds a new method, similar to a mail order catalog. The
business' sales department posts a Web site with an online catalog. The buyer then
selects items from the online catalog and makes the purchase, either online or by
phoning or mail order.
• Brand is invaluable on the internet and trust is the key to brand building.
• Old practices will not change overnight, but will evolve overtime.
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ADVANTAGES OF E-BUSINESS
SELLERS BUYERS
Increased sales opportunities. Wide product availability.
Operate 24 hours a day, seven days a Shop 24 hours a day, seven days
Bring multiple buyers and sellers together products and quick delivery of
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DISADVANTAGE OF E-BUSINESS
E-business is not free from its own limitations. The limitations of Electronic business
to sellers and buyers are as follows…
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Rapidly changing technology Concern over transactions security and
Insufficient telecommunicating capacity or privacy.
brand width. Lack of trust when dealing with unfamiliar
Difficulty in integrating existing systems sellers.
with e-business software. Desire to touch and fed products before
Problems maintaining system security and purchase.
reliability. Resistance to unfamiliar buying process,
paperless transactions and electronic
Global market issues, language, political money.
environment, currency conversions
Confected legal environment.
E-BANKING
Electronic banking is one of the most successful online businesses. E-Banking allows
customers to access their accounts and execute orders through a website. There is no
special software to install rather than a web browser and many banks do not charge for
this service. Some banks even lower cost for online transactions. Electronic banking
saves individuals and company’s time and money.
E-banking includes the systems that enable financial institution customers, individuals
or businesses, to access accounts, transact business, or obtain information on financial
products and services through a public or private network, including the Internet.
Customers access e-banking services using an intelligent electronic device, such as a
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personal computer (PC), personal digital assistant (PDA), automated teller machine
(ATM), kiosk, or Touch Tone telephone. While the risks and controls are similar for the
various e-banking access channels
For convenience of Non Residential Indians, the bank can make arrangements with
banks/exchange companies in various Gulf countries for facilitating speedy remittance
of funds in Indian Rupees.
• The facility provides fastest delivery of funds to beneficiaries in India from the
bank in Saudi Arabia and the Exchange Company in Kuwait.
• Beneficiary’s account with any of our branches will credit online, providing
the 11 digits Core Banking account number will be mentioned. Demand Drafts are
issued and couriered under this facility.
• To ensure smooth transmission of funds, provide the following particulars to
the Exchange Company/Bank. (Name and Address of beneficiary, 11 digit account
number in case of TDCB customers, Name and Address of bank and the branch
where account is maintained, Purpose of remittance)
MONEY TRANSFER
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• An Internet based facility to provide fast and easy delivery of funds to beneficiaries in
India from some Gulf countries.
• To develop Foreign Exchange Department for remitting messages in encrypted form
are received through Internet at TDCB’s Foreign Exchange Department.
• The messages are automatically decrypted and beneficiary’s account with any of
branches is credited online, provided the 11 digits Core Banking account number is
mentioned.
XPRESS MONEY
This is a product of UAE Exchange Center LLC, UAE can made available through
selected branches of TDCB’s bank in Kerala.
• Money Remittance facility in which money transfer is effected in minutes using the
a year.
• Nominal charges.
Customers can also remit funds in Indian Rupees by Demand Draft drawn on TDCB’s
Bank from the authorized Exchange Companies.
ONLINE BANKING
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Online banking puts the power of banking into the hands of the customer and allows the
customers to self services themselves with all their banking needs, just as customers
have become used to getting money from an automated taller machine instead of
walking upto the cash desk in the bank, with this online services, customers can view
their account details, review their accounts histories, transfer funds, order checks pay
bills, re order checks and gets in touch with the customer care department of the bank.
The only transaction currently can’t be done is the withdrawals of cash but banks are
working on resolving this problem. Online banking solutions have many features and
capabilities in common, but traditionally also have some that are application specific.
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MOBILE BANKING
Mobile banking (also known as M-Banking, mbanking, SMS Banking etc.) is a term
used for performing balance checks, account transactions, payments etc. via a mobile
device such as a mobile phone. Mobile banking today is most often performed via SMS
or the Mobile Internet but can also use special programs called clients downloaded to
the mobile device.
• Account Information
Security
The following aspects need to be addressed to offer a secure infrastructure for financial
transaction over wireless network:
• Physical part of the hand-held device. If the bank is offering smart-card based
security, the physical security of the device is more important.
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• Security of any thick-client application running on the device. In case the
device is stolen, the hacker should require at least an ID/Password to access the
application.
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CHAPTER-4
SYSTEM ANALYSIS AND DESIGN
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The Kerala State Financial Enterprises Ltd. has its own website with the name
www.ksfe.com Having a website is an added advantage to enter into e-business. But
the present website didn’t have the provision of e-business. The present website of
KSFE consists of pages that include company profile, services offered, branch list, ksfe
News, latest relating to the company.
The study is designed for creating an e-business website for Kerala State
Financial Enterprises Ltd. The present system of business in the company is without
using electronic transactions but the company has to add some new web pages to
implement the e-business in KSFE.. It is better to the company to add some more pages
to the present website to allow the dealers to make long term investments and deposits.
The design of the study is that the new technology makes the company to go online and
do business thereby increasing customer relationship. In this project the design of the
study is to make a good e-business website and thereby influence the customers and to
make KSFE a competitive firm in the global market.
The tools used for system analysis are interviewing the people in the
Organization, studying the Organization chart to realize the organizational relationships
and direct observation of the system.
System Concept.
System analysis
System design
System development
System implementation
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SYSTEM ANALYSIS & DESIGN
` We call the system analysis process the life cycle methodology since it relates
to four important phases in the life cycle of all business information system.
Study
Design
Development
Operation
The definition of system analysis includes not only the process of
analysis but also of synthesis which is the process of putting part together to form a new
whole.
Existing system
Existing system of KSFE is manual one. It will cause problems to the customers from
withdrawal of cash and other facilities. When a transaction is placed of it must be recorded in
the book and it is a very tedious process in each transaction and at the same in the case of
correction of data. It is very difficult to follow the manual mechanism.
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Limitations of the Existing System.
Proposed System.
The objectives of proposed system are to make some addition to the present
website of the company .The proposed system reduces human intervention and it
increases the user satisfaction. It avoids data redundancy to an extend. The proposed
computer based system is very speedily on comparing with the existing manual system
that can provides the facility of
• Customer service.
There are several important decisions ksfe must make in the development of
e- banking services.;
• Top of its priority is to address the companies’ privacy policy and procedures
– which will be scrutinised by the related governmental regulatory bodies.
• Second on the priority list is about e-banking disclosure policies to fully define
the companies’ responsibilities and liabilities and also those of its customers
regarding the e-banking service.
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package, or a more complex service offerings (including bond purchases, wire
transfers, and e-payments), and even a whole package (including tax payments, cash
orders, bill payment, direct payment, new account enrolments, and commercial cash
management).
• Increase sales.
• Better communication.
• Enhance efficiency.
parts.
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E-banking connectivity
Branch server
KSFE connect
MAIN SERVER
ATM
counters
Branch server
client client
(chart.No.3.1)
• Service information online – the bank placed the information and rates about all of
their services online.
• Online account access – the bank allows both business and personal customers to
access their accounts online. Also, customers are able to download account information
directly to their Quicken (or other Microsoft Money financial) software so that they can
incorporate the information in their budgeting and money-management processes –
which has been credited by many of its business customers for more efficient and cost-
effective services.
• E-payment service – for a small monthly fee, allows customers to set-up automatic
payments to be drafted out of their accounts at agreed upon days of the month. Using it
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as a competitive edge, this service is should be offered free to employees, senior
customers, and customers with the VIP Golden Web account.
• Other online banking services – such as online application for credit cards, loans, and
online transactions for buying CDs or dealing with IRA accounts.
HOME PAGE
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PROFILE
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HOME PAGE OF SHRI GOKULAM CHIT&FINANCE CO.
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HOME PAGE OF MANAPPURAM FINANCE
The company was founded in 1949 by late Mr. V.C. Padmanabhan, a great
visionary of his times. The company commenced its operations at Valapad, mainly with
money lending activity on a very modest scale. The principal asset of the company was
the impeccable integrity devotion and foresight of its founder. The company soon
established itself as a safe haven for investments of the people of the area providing
absolute safety and assured returns
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COMPARATIVE STUDY
Site map No NO NO
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USER FRIENDLY
KSFE web site is User friendly as we can easily move from one link to
another link
Website Design
Language Options
Complaint Form
Core Banking
KSFE do not provides core banking. Core banking is a general term used to
describe the services provided by a group of networked bank branches. Bank customers
may access their funds and other simple transactions from any of the member branch
offices. Core banking is all about knowing customers' needs. Provide them with the
right products at the right time through the right channels 24 hours a day, 7 days a week
using technology aspects like Internet, Mobile ATM. So KSFE should provide Core
Banking for better customer services.
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ADVANTAGES OF THE WEBSITE
www.ksfe.com
Profile
Board of directors
Top officials
Branch list
Ksfe news
Latest
Complaints/suggestions
Services offered
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• Not enclosing financial information of the company.
• Fonts are also not good. Some fonts in the website are very small.
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CHAPTER 5
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FINDINGS
• Social Banking.
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CONCLUSION
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SUGGESTIONS
• The bank should give awareness programs to the customers on e-banking, through
• Mobile alerts and other technology based added features should be provided to the
features.
• To implement the proposed system, company must develop software either internally or
• Awareness must be created with in the employees of the organization about the new software,
its functions and the benefits it is supposed to bring to the organization as well as the employees.
• The company should keep its site updated. The website must be rich, relevant and latest. The
customers should find some fresh news each time they visit the site.
• The site should be maintained user friendly. The graphic content must not be excessive: only
the key elements need be presented graphically. Users like a site that facilitates speedy loading.
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BIBLIOGRAPHY
Website referred
www.google.com
www.ksfe.com
www.Manappuram.com
www.gokulamchits.com
URL-www.cdit.org
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