GENERAL BANK MANAGEMENT Technology Management (MODULE ‘C’ ) By Onkar Nath 1 Sir SPBT College MUMBAI Introduction to Information Systems Systems Development Life Cycle SDLC1: Planning & Analysis SDLC2: Design SDLC3: Implementation SDLC4: Operations & Maintenance 2 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, semistructured and unstructured problems Utilization of appropriate mathematical and statistical models Query capabilities to obtain information by requestinteractive mode Output directed to organization personnel at all levels Integrated subsystems Comprehensive database Easy-to-use approach 3 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 4 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 5 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 6 ELECTRONIC CLEARING & SETTLEMENT SYSTEMS MICR/OCR Clearing System Debit Clearing System Credit Clearing System Real Time Gross Settlement (RTGS) Structured Financial Messaging System (SFMS) 7 The Indian RTGS System is based on Y topology and a “credit push” model Sending Bank Receiving Bank 1. Full Payment Message 5. Full Payment Message IFTP Central Processor 2. Settlement Request 4. Confirmation IAS 3. Settlement 8 PLASTIC MONEY Credit Cards Debit Cards Smart Cards 9 ELECTRONIC COMMERCE & BANKING Dimensions of E-business Electronic Commerce E-commerce Building Blocks E-banking The Call Centre 10 EBPP NETWORKING SYSTEMS DATA COMMUNICATIONS Electronic Mail Internet Connectivity Local Area Networking Remote Access Services 11 WAN TECHNOLOGY OVERVIEW Frame Relay Overview ISDN Overview ATM Overview VSAT Network System 12 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) 13 INFORMATION SYSTEM SECURITY & AUDIT COMPUTER SECURITY Physical Security Logical Security Network Security Biometric Security 14 COMMUNICATION SECURITY Cryptography Digital Signature Public Key Infrastructure Certification Authority 15 DISASTER MANAGEMENT Disaster Avoidance Disaster Recovery Business Continuity Planning Disaster Recovery Planning 16 INFORMATION SYSTEM AUDIT The Concept System Audit Procedures System Audit – Security Cyber Law 17 18 Thank You Decision Support System User input ‘What if’ questions Computer Decision Making Programs CRT Terminal Recommended courses of actions 19 Data base Historical and current status reports Projected reports 20 IT Risks and Information Systems Security in banks Competitors, Adversaries Human Errors, System Bugs Hackers etc. Acts of God 21 Information System Assets Manipulating Processes Core Banking - Architecture BACKUP SITE (Hyderabad) DATA CENTRE (Belapur, Mumbai) WIDE AREA NETWORK BACKBONE Mumbai Branch Branch Branch ATM 22 Delhi Branch Chennai Z.O KIOSK Branch ABB R.O Kolkata Branch Branch Tele-banking Chandigarh Branch Branch Internet Banking Hyderabad Branch NBO Call Centre OTHERS. ……..