1. Computerization of a bank  Automatic Teller Machines  Net Banking  Phone Banking  Savings/ Current/ Fixed Deposit/ Recurring Deposit  Loans against fixed deposit accounts  Hardcopy of statements on payment  Quarterly statements- email and hardcopy  Electronic transactions between accounts

2. Users-Client-Developer  The customer and the client are the users. Client is also administrator.  Create user.  Identify user  Authenticate user- phone, net and ATM  Conduct transactions, credit interests and debit charges and penalties  Generate statements

3. Concerns-Environments  Phone banking PIN identification Voice or key operations Speech generation  Net Banking GUI on browsers Network security and privacy Speed of access  ATM Identification Security Cash Networking

4. Transaction ATM Identify, Verify PIN Phone Customer # TIN Net Login, Password Choose function, type inputs Choose account and options, type inputs Receive memo, cash Receive confirmation Observe results of transaction

5. Processing