BUET- Octavian Deliberators : Hasan Habibul Latif Sheikh Al
Amin
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Scenario 1 I am in a bus and Forget to bring my wallet My
wallet is lost and taken buy a mugger The bus conductor will insult
or throw me out if I dont pay the money
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Scenario 2 My father does business He ask me to pick up 50,000
taka from a client I take the stated amount from a client In my way
to home I get robbed My eyes are hurt because the robber used a
special ointment to block my vision
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Scenario 3 I am in a remote Island like St. Martin I am not an
intelligent spender I realize that my cash is finished Doesnt know
anyone to ask for some cash
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Problem Insecurity in money portability. Scenario 2
Unavailability of money transfer. Scenario 3 Time consuming money
transfer. Scenario 1 Besides Effective online payment system.
Scarcity of small currency.
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Mcash System Opened by a bank account. Connects bank account
& cell phone. Stored value unit account. Provides secure
payments.
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Actors Bank Mobile Operator Customer Distributor
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Bank Agreement with Mobile operator. Generate a software. Setup
IT team for maintenance. Agreement with Distributors. Provide
Customer Care.
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Mobile Operator Collect additional information to open a bank
account during registration. Provide relation between Bank &
Customer. Maintain SMS transaction.
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Customer MCash unit transfer via SMS. Buy and sell products by
transferring units. Take and refund loan via SMS. Pay the
bills.
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Distributor Provide security money to bank. Provide cash in-out
service. Possess security service.
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Account Launching
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Balance In-Out
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Transaction
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Loan
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Information Technology Mobile SMS: Interaction with bank. Cash
in-out process. Unit transaction. Notification and confirmation
SMS.
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Information Technology( Contd. ) Content Server: Provide Value
Added Services. Collect and send SMS to the content server by
network router. Transfer SMS to the client server. Client Server:
Parse the SMS. Collect necessary information.
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Balance Transfer Information Mobile opetator server Content
server How will it work?
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Information Technology( Contd. ) Software: Registration: o
Receive request and gather all information from Mobile operator. o
Create user accounts. o Send notification to each account.
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Information Technology( Contd. ) Software : Money Transaction :
o Check and update database for money transaction. o Send
notification to user. Cash in-out: o Check and update database for
balance transfer. o Send notification to user.
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Information Technology( Contd. ) Software: Loan system: o Check
maximum limit and allow loan. o Update database of both deposit and
loan account. o Show status of both accounts.
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Software Requirements: Effective and efficient software
development team. Use of C#, PHP or JAVA SERVLET. Linux server.
Database: Powerful database system. Use of Oracle, Mysql,
SQL-SERVER.
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Cost Analysis
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Cost Analysis for Bank Assuming 1 million customers each having
5000 TK in Average. Total Income ..1010 m Variable Cost.. 454 m
Contribution Margin. 556 m Fixed Cost.. 140 m Net Operating
Income.. 416 m
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Break-even Analysis for Bank 1010Q = 454Q + 1000, 00,000 Q = 1,
79,857
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Cost Analysis for Mobile Operator Assuming 1 million customers
doing 400 million SMS transaction per year. Total Income .. 950 m
Variable Cost.. 334 m Contribution Margin. 616 m Fixed Cost.. 80 m
Net Operating Income.. 536 m
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Real Life Implementation New system for opening bank account.
Person to person Bill payment Money orders Money transactions in
shopping Ticketing Coupons Pay cab fares Take and repay loan in
Banks
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Cost Analysis for Bank
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Cost Analysis for Mobile Operator
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Use Case Model
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Mcash Registration Loan Loan repayment Money transaction user
bank Registration, transaction and loan system mobile operator
user
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Mcash recharge Recharge through distributor Recharge through
Bank Update bank account > user bank distributor Mcash Recharge
Subsystem mobile operator
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Cash-out Cash-out through distributor Cash-out through bank
Update bank account > user bank distributor Cash-out Subsystem
Mobile operator
