4. ONLINE BANKING SYSTEM OF DBBL

Dutch-Bangla Bank Limited provides Online banking services, E-commerce Banking, EBPP Services, E-Banking Facility, E commerce Transaction, E-commerce Banking could be provided effectively. All the branches of Dutch-Bangla Bank Limited in under online Banking network so that clients will enjoy the Online banking services in Bangladesh. Electronic Banking service in Bangladesh is providing a new step of Electronic Banking in Bangladesh. DBBL also helps for real time banking in Bangladesh.

4.1 DBBL WITH NEW ICT INFRASTRUCTURE FEATURES

DBBL is the one of the pioneer local Banks, in laying foundation to the world class banking software in Bangladesh. No other private Banks in Bangladesh could implement foreign banking software with success in the past.

The concerned IT resources worked relentlessly over the months played a significant role behind the successful implementation of Flex cube banking software in DBBL branches.

Previously DBBl was not in a situation like it is at present. It was not an online bank from the very beginning, rather from January, 2005, DBBL adopted online technology into their system. DBBL Head Office is now connected with the branches all around Bangladesh. Here is a breakdown of what the data communication infrastructure looks like today:

High Speed DDN and Radio Link connectivity between Branches and the Head Office

Local Area Network (LAN) - providing data network connectivity at the Head Office and the Branches

Metropolitan Area Network (MAN) - connecting the DHK branches with Head Office, Chittagong branches with Agrabad and Sylhet branches with Chouhatta

Wide Area Network (WAN) - enabling the data network circle between Head Office and the Branches

Solid foundation over data and network security implementation

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4.2 DATABASE MANAGEMENT SYSTEM (DBMS) OF DBBL

As database is the key to create and maintain an information system, organization uses

different types of DBMS software that best fit their organizational structure. DBBL uses

Flex Cube software to create and maintain their Database Management System. DBBL’s

strength is the state of the art technology, which gives the institution an edge over the

competitors in the market. DBBL’s Main back bone is the software “FLEXCUBE” of ‘I-

FLEX CO.” Flex cube has two modules, one is Flex cube Retail and another is Flex cube

Corporate. IT department also takes care of the IT related inventory management. The

main backbone of IT department depends on the servers of DBBL which are thirty nine

in numbers. The main categories of the servers are live, mail, file, support, transaction,

Internet banking, ATM, intranet, and OBU (Off-shore Banking Unit) server is on the

process of installation.

A world class banking software “Flex Cube” was selected to provide Online Banking,

Internet Banking, Automated Teller Machine (ATM), Telephone Banking, Point of Sales

(POS) dispenser, Debit Card facility, etc., to the customer to satisfy their demand of the

21st century. Necessary steps were taken by the IT Department to select and procure the

compatible hardware, software, communication links, network system equipment (LAN,

WAN), etc.

4.3 USES OF DBMS SOFTWARE IN THE FUNCTIONS OF DBBL

All the divisions of Dutch-Bangla Bank Limited are using the database software called “Flex cube”. All the divisions are linked with a host server situated at IT division. The major divisions and the departments of these divisions are given in the following chart.

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Operational Division Corporate banking Corporate and industrial loan

Executive loan

Corporate Clients Support

International banking Foreign Exchange services

Remittances

Consumer banking Loan products

Deposit products

Card products

Retail & SME Banking Loan products

Deposit products

Human resources Division Recruitment and selection

Payroll management

Performance appraisal

Rewards and other benefits

Accounting & Finance Division Credit and risk management

Treasury support unit

Audit and compliance department

Card Division Card Production

Information Technology Division Database Management System

Internet Banking

Networking

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4.4 DIVISIONAL INTEGRATION THROUGH DBMS

Every department of these divisions is using the database in their daily activities. DBMS has made their work easy to conduct and also has made efficient at their work. DBMS is created by IT division and interact with the divisions in the following way:

Figure - 1: Divisional Integration through DBMS.

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Information Technology

Operational Division

Accounting & Finance

HRM Division

Marketing

DBMS

4.5 DATABASE ENVIRONMENT

DBBL maintains their database environment through three parts. These are: (1) sources of data; (2) process and store; (3) output.

(A) SOURCES OF DATA

The DBMS of DBBL collects or gathers data from internal and external data by their various departments. Basically they collect from the two sources – internal & external.

Internal sources:

The internal sources are: TPS, KWS, and ESS. Data are collected through these system and goes to IT division for process and store.

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TRANSACTION PROCESS SYSTEM

The data of day to day transactions of various departments are collected through TPS. The employees whose are engaged in collecting primary data are called data worker. Thy serve the operational level of the organization.

KNOWLEDGE WORK SYSTEM

KWS is the source of low-volume, summary transaction data, and simple models to gather and analyze the data that are used in decision making.

EXECUTIVE SUPPORT SYSTEMS

Senior managers use ESS to help tem make decisions. ESS serves the strategic level of the organization. They address non-routine decision requiring judgment, evaluation and store the necessary information in Flex cube.

EXTERNAL SOURCES

The external sources are other commercial banks, Bangladesh bank, financial institutions, customers and stakeholders.

B) PROCESS AND STORE

IT department of DBBL uses Flex cube software as DBMS to process the data that are collected from the two sources and stores them in the data warehouse. The data warehouse stores both the raw data and the information that are used by different departments to conduct queries and make report. They may include legacy systems, relational or object oriented DBMS applications, and systems based TML or XML documents. The data form these diverse applications are copied into data warehouse database as often as needed – hourly, daily, weekly monthly.

C) OUTPUT

The out put of the process data are used in the divisions as per their necessities. Different departments of these divisions use the different application programs of Flex cube to conduct queries and to prepare several reports. The departments use basically SQL, and Microsoft Office to conduct queries in the DBMS.

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4.6 DIVISIONS

4.6.1 OPERATIONAL DIVISION

An operational division of a bank always plays very vital role in performing its activities. It links all the activities of the bank with other departments. The departments of the operational division have direct access to flex cube software to input or process various data. The departments also collect the necessary information from the database to make several reports as per their necessities. The departments are using database management system or flex cube by following the instructions from head office, that is, they follow the instruction of head office to use the DBMS software. The data and information that is processed through flex cube are stored in the data warehouse (IT division). DBMS or flex cube helps the company to easily conduct the following activities:

Figure: Relationship of Operational Division with the Flex Cube

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Corporate banking

Corporate and industrial loan Executive loan Corporate clients support

International banking

Foreign exchange services – L/C operations Remittances - SWIFT Money Gram

Consumer banking

Day to day branches activities Loan products Deposit products Card products—ATM card, Credit card, Visa card etc.

SME banking

Deposit products Loan products

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4.6.2 HUMAN RESOURCE DIVISION

Different application programs of Flex cube are used in the Human resources division. These are: MS Excel, MS Access, SQL, etc. The departments of HR division maintain the employee’s personal information, payroll system, performance appraisal system and rewarding system. There is also a HRM data ware house to keep and maintain this information.

FIGURE: HUMAN RESOURCE DATABASE SERVER AND MULTIPLE APPLICATIONS.

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4.6.3 INFORMATION TECHNOLOGY DIVISION

There are three basic functions of IT department. These are: (1) DBMS maintenances; (2) networking; (3) internet banking.

DBMS maintenances

IT division not only stores all the data but also its duty is to maintain and monitor the data base system. This division also put data in a Disaster Recovery Site (DRS) in a different place, in case of any accident or disaster this DRS helps by backing up all the information.

Networking and Internet banking of DBBL

High Speed DDN and Radio Link connectivity between Branches and the Head Office

Local Area Network (LAN) - providing data network connectivity at the Head Office and the Branches

Metropolitan Area Network (MAN) - connecting the DHK branches with HO, CTG branches with Agrabad and SYL branches with Chouhatta

Figure: Networking and Internet banking of DBBL

Wide Area Network (WAN) - enabling the data network circle between Head Office and the Branches

Solid foundation over data and network security implementation

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4.6.4 ACCOUNTING & FINANCE DIVISION

Vaious activities those are perform by the accounting & finance division with the aid of DBMS/FlexCube are shown grafically.

Figure: work flow of accounting & finance division

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Head Office Bangladesh Bank

5. OVERALL IMPACT OF ONLINE SYSTEM ON DBBL

5.1 BUSINESS VALUE CHAIN OF DBBL

Information processing system accelerates the functions of management activities by using DBMS. Information processing systems through DBMS includes data collection & storage, transformation into business system and dissemination. This system helps the management to make better plans, coordinate and control the activities efficiently by using advanced technologies which leads them to take decisions effectively. The use of DBMS helps to conduct management activities in easier way and also helps to reduce costs which give them higher profitability and strategic position to gain competitive advantage over the rivals.

Figure: Business value chain of DBBL

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5.2 DBBL VALUE CHAIN IN INDUSTRY

Database management system adds value in the activities of DBBL to the industry in the following way:

Figure: Industry value chain that leads DBBL to gain the competitive advantage in the industry

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DBBL

5.3 IMPACT OF DBMS ON DBBL

DBMS changes the scenario of banking activities of EBL in the following way:

Before AfterStandalone systems Centralized systemBranch Banking Anywhere Banking Anywhere Banking EOD at Data CentreTelegraphic Transfers Online Inter-branch transferHold accounts Online Inter-branch transferProduce MIS at Branch Centralized MISPoor ‘Control’ reports Improved ‘Control’ reportsInformation on paper Information in CIF On Card Signature/Pix Digital Signature/PixDecentralized Cheque Clearing Centralized Cheque Clearing No Funds Management Automatic Sweep-in/Out

5.4 DBBL BANKING BENEFITS FROM DBMS

Flex cube banking software automated in all branches of DBBL has the adaptability for incorporating the delivery channels like, Internet Banking, Tele-Banking, ATM/POS, Home Banking, Wireless Access Protocol, Call Centre are all superb services which a customer can avail in due course.

DBBL’s repertoire of hardware is highly sophisticated as no other banks in Bangladesh has availed this in recent times. The combination of hardware will help consolidate the backbone for the plethora of services provided to the customers by the Bank for the years to come. Moreover, DBBL, country wise bade farewell to the lackluster range of hardware which were in use over the years.

Anywhere 24 hours X 7 days banking

Internet banking, SMS banking and ATM/POS

One Stop Shop for all banking need

Significantly reduced time in banking transactions

Sophisticated Customer Information at the fingertips and can be provided anytime

Online Inter-branch Transfer

Any Branch Pay Order System

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Digital Signature/Photo image while transacting

Display Customers Balance, Transactions, Statements online

Automatic Sweep in & out

Locker Service Availability

EBL 5 to 9 Extended Service

Bill payment

o Utility Services Bill

o Mobile Phone Bills

Versatile Products availability

Fast Cash

Fast Loan

Auto Loan

Consumer Loans

High Performance Account

Savings Insurance Account

Monthly Income Plan

Monthly Deposit Plan

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