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GENERAL BANK MANAGEMENT Technology Management (MODULE ‘C’ ). By Onkar Nath Sir SPBT College MUMBAI. Introduction to Information Systems Systems Development Life Cycle SDLC1: Planning & Analysis SDLC2: Design SDLC3: Implementation SDLC4: Operations & Maintenance
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GENERAL BANK MANAGEMENT Technology Management (MODULE ‘C’ ) By Onkar Nath Sir SPBT College MUMBAI
Introduction to Information Systems • Systems Development Life Cycle • SDLC1: Planning & Analysis • SDLC2: Design • SDLC3: Implementation • SDLC4: Operations & Maintenance • Types of Information Systems • Transaction Processing System • Management Information System Structure • Top – Overall Report • Middle – Comprehensive Report • Lower – Detailed Report • Decision Support System
Essential Characteristics of DSS • Broad-based approach to supporting decision making • Human/machine interface where human retains control over the decision making process • Support decision-making for solving structured, semi- structured and unstructured problems • Utilization of appropriate mathematical and statistical models • Query capabilities to obtain information by request- interactive mode • Output directed to organization personnel at all levels • Integrated subsystems • Comprehensive database • Easy-to-use approach • Adaptive system over time
Project Management • Building Data Centres • Centralised Data Environment • Decentralised Data Environment • Database Management systems • DBMS Concepts • Data redundancy and inconsistency • Difficulty in Accessing data • Integrity Problem • Atomicity Problem • Concurrency Problem • Security Problem • Relational Database • Query Language – Structured • ORACLE
DATA WAREHOUSING AND DATA MINING • Data Warehouse Architecture • It is a way of representing the overall structure of data, communication, processing & presentation that exists for end user computing within the enterprise • Data Warehouse Options • Scope of Data Warehouse • Data redundancy • Types of end user • Developing Data Warehouses • Data Mining • OLAP
IT APPLICATIONS AND BANKING • BANKING SOFTWARE • Integrated Banking System • Centralized Banking Solution • Features of an Online Banking Web Site • IT Services in Banking – Vendor Selection & Retention Criteria
ELECTRONIC CLEARING & SETTLEMENT SYSTEMS • MICR/OCR Clearing System • Debit Clearing System • Credit Clearing System • Real Time Gross Settlement (RTGS) • Structured Financial Messaging System (SFMS)
1. Full Payment Message 5. Full Payment Message 4. Confirmation 2. Settlement Request The Indian RTGS System is based on Y topology and a “credit push” model Sending Bank Receiving Bank IFTP Central Processor IAS 3. Settlement
PLASTIC MONEY • Credit Cards • Debit Cards • Smart Cards
ELECTRONIC COMMERCE & BANKING • Dimensions of E-business • Electronic Commerce • E-commerce Building Blocks • E-banking • The Call Centre • EBPP
NETWORKING SYSTEMS • DATA COMMUNICATIONS • Electronic Mail • Internet Connectivity • Local Area Networking • Remote Access Services
WAN TECHNOLOGY OVERVIEW • Frame Relay Overview • ISDN Overview • ATM Overview • VSAT Network System
TCP/IP AND INTERNET • The layers of the TCP/IP Reference Model • Makes the internetwork possible by providing • common services over the diverse set of under laying protocols and physical network • hardware. • Four layers viz Application, Transport, Internet and host to Network layer; One layer is not specified. • IP Addressing • A Unique identifier to node • Four Octet (192.168.100.1)
INFORMATION SYSTEM SECURITY & AUDIT • COMPUTER SECURITY • Physical Security • Logical Security • Network Security • Biometric Security
COMMUNICATION SECURITY • Cryptography • Digital Signature • Public Key Infrastructure • Certification Authority
DISASTER MANAGEMENT • Disaster Avoidance • Disaster Recovery • Business Continuity Planning • Disaster Recovery Planning
INFORMATION SYSTEM AUDIT • The Concept • System Audit Procedures • System Audit – Security • Cyber Law
Decision Support System Computer Decision Making Programs Data base Historical and current status reports User input ‘What if’ questions CRT Terminal Projected reports Recommended courses of actions
Information System Assets Confidentiality Integrity Manipulating Processes Availability IT Risks and Information Systems Security in banks Competitors, Adversaries Human Errors, System Bugs Hackersetc. Acts of God
Core Banking - Architecture DATA CENTRE (Belapur, Mumbai) BACKUP SITE (Hyderabad) WIDE AREA NETWORK BACKBONE Delhi Kolkata Hyderabad OTHERS. Chennai Chandigarh Mumbai Branch Branch Branch …….. Branch NBO Branch Branch Branch Branch Z.O R.O Branch Branch Call Centre Internet Banking Tele-banking KIOSK ABB ATM