AN ANALYSUS OF COMPUTER

APPLICATION IN AN
ORGANIZATION
Report

Team Toppers
Submission Date: January 30, 2019
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Report
On
An Analysis of Computer Applications in an Organization
Course Name: Computer Applications in Business
Course Code: MGT 106

Group Name: Team Toppers

Group Members:
Name ID
1. Md. Ashiqur Rahman Torun 1655
2. Md. Masum Billah(L) 1653
3. Md. Masum 1645
4. Md. Mahmudul Hasan Munna 2043
5. Fardin Islam Bijoy 1644
6. Sharmin Ara Nispa 2508

Submitted to
Md. Rubel
Assistant Professor
Department of Management Studies
Faculty of Business Studies
Jahangirnagar University
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Acknowledgement

At first we present our rewards to Almighty, who has provided us the brilliant opportunity to
build & complete this project successfully with good health & sound mind. This report is based
on the Applications of Computer in Dhaka Bank. While any and all errors of fact, omission, and
emphasis are solely on our responsibility. We would remiss, if we do not acknowledge those
great hearts, without whose kind help and cooperation, this paper would be jeopardized. At first,
we must humbly nod to our most honourable course instructor Md. Rubel for assigning the topic
and further guideline. We are really grateful to him for his kind co-operation in regard of this
project paper, which will help us a lot in our future course of life. We would also like to give our
heartiest gratitude to the authorities of Dhaka Bank, our honourable teacher Md. Mazharul Islam,
my friends and seniors, who gave their valuable advice and encouraged us throughout the work.
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Letter of Transmittal

January 30, 2019

Md. Rubel
Assistant professor,
Department of Management Studies,
Faculty of Business Studies
Jahangirnagar University

Dear Sir,
It is our pleasure to submit this term paper on “Applications of Computer in Dhaka
Bank”.

This is the term paper that we were asked to prepare as a part of the course named
Computer Applications in Business (MGT-106). The main purpose of this paper is to
provide an overview of using the computer in banking sector.

We have considered your remark carefully and analysed the study according to your
instructions. We tried to analyse allocative, operational, and corporate and regulatory
activities of computer in this bank. We also gave some suggestions for the improvement
of using computer in the bank, which hopefully, can play an effective role for the
betterment of the nation as a whole. We have done our level best to complete this report
in time and with the quality of your expectation. The whole anticipation of this paper
enables us to get an insight into the real life situation. We have really enjoyed working on
this paper. Hope our work will be able to satisfy your requirement and expectation.

We would like to express our gratitude to you for your tiresome effort for us, which
provided the opportunity to complete this project.

Thank you for your kind consideration.

Sincerely,
Md. Masum Billah
Leader
Team Toppers
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Table of Content

Topic Page No.

Executive Summary 5
Introduction 7
Literature Review 10
Organization Overview 13
Computer Applications 15
Analysis and Findings 30
Recommendation and Conclusion 32
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Executive Summary

Computer uses in different purposes in different sector of a bank.

Account Management:
You may no longer get a free toaster when you open a new checking or savings account,
but the process is easier than ever. You can even open a new account online. On the
banking side of things, this eliminates the need to have someone on-site at each branch,
manually processing and approving applications. Once an account is open, the bank
manages everything electronically. Still, many banks maintain local branches with full-
time account representatives to help nearby customers who want that personal touch.

Electronic Transactions:
Those who hadn’t yet reached adulthood by the end of the last century may not remember
the days of check writing. Businesses often had to wait for a check to “clear,” which
meant approval by the payer’s financial institution, to access the funds they deposited.
The use of computers have sped up that entire process, with instant check authorizations.
Checks have mostly become an afterthought, thanks to debit cards that take funds
automatically from a person’s account. Mobile payments will take that even further,
letting customers pay with a mobile device or wearable, eventually taking plastic out of
the equation.

ATMs:
As much as experts claim we’re heading toward a cashless society, it remains the most
used payment method in the U.S., according to PYMNTS.com. Getting cash from your
bank account still requires a trip to an automatic teller machine, known as an ATM. Since
the first ATM was installed in 1969, the technology has evolved, making it easier for
customers to deposit money, as well as withdraw. Although human tellers are still
necessary, banks are aiming to have them focus on higher-level activities as ATM
technology handles most basic transactions.
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Online Banking:
Furthering the do-it-yourself banking model is online banking, which allows customers to
pay bills, view account balances, transfer funds from one account to another, pay friends
and much more. Financial institutions have also given consumers control over their own
security by adding features like the ability to freeze a missing credit card to avoid further
charges. Over time, these controls will only increase as technologies like biometrics and
facial recognition keep accounts safe.

Data Management:
Data management activities form the foundation for many activities that businesses
perform. Computers make it possible for companies to organize and manipulate massive
amounts of information productively. Larger corporations may use multiple SQL Server
databases to oversee data operations while smaller businesses might take advantage of the
data manipulation features in applications such as Microsoft Access. Regardless of your
business's size, you probably work with information and need to store it. Business
websites also use database software to sell products and even give people the ability to
join their sites.

Office and Supply Management:

Companies make money by buying and selling products at a profit, and computers help
them manage inventory and supplies efficiently. Wal-Mart, for example, uses a
sophisticated Neo Vista inventory management software system that enables the
company to keep products available in stores when people need them. Computers are also
useful for helping smaller businesses track and manage basic supplies, such as printer
paper, pencils and even cups for the water cooler.

People Management:
Communicating with a co-worker who is sitting in the next cubicle is rarely a problem,
but coordinating and managing meetings where people reside in different states can be a
challenge. Computer software enables businesses to conduct virtual meetings where
people meet over the Internet and makes it possible for everyone in the business to view a
common calendar. Some companies strive to increase productivity by monitoring the
computers that people use.
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Cha
pter
:
One
Intr
odu
ctio
n
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1.1 Introduction
Today’s world has been changed by the rapid use of ICT. The most important
components of this revolutionary change are computer and network system. With the
growing development of computer system many new systems have been introduced.
Business world has also been improved by this computer and its various applications.
There is no sphere of business where the application of computer has not been applied.
In many ways, e-banking is not unlike traditional payment, inquiry, and information
processing systems, differing only in that it utilizes a different delivery channel. Any
decision to adopt e-banking is normally influenced by a number of factors. These include
customer service enhancement and competitive costs.
Banks see Internet banking as a way to keep existing customers and attract new ones to
the bank. National banks can deliver banking services on the Internet at transaction costs
far lower than traditional brick-and-mortar branches. The actual costs to execute a
transaction will vary depending on the delivery channel used. National banks have
significant reasons to develop the technologies that will help them deliver banking
products and services by the most cost-effective channels.

1.2Background of the report

Current world is changing quickly to face the challenge of competitive free market economy. To
keep pace with the trend, organization’s need executives with modem knowledge. The course
practical orientation in Computer Application in business is an essential part of the BBA
program. Under this course the students are sent to gather practical knowledge about
Multinational Company, Local Renown Company and others well reputed organization
environment and activities. The students also have to submit a report on practical orientation in
institution.

1.3 Objective
1.3.1 Broad Objective
The major objective of the report is to make an analysis of computer application.
1.3.2 General Objective
 To know about the computer system of Dhaka bank limited
 To identify different computer application available of this bank
 To know the special applications (DBL Go) and software (RTGS) in this bank.
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1.4 Methodology
Experimental analysis has been conducted for gathering better information that will give a better understanding on
computer application systems. Primary data has been collected mainly our observation the approval process and
techniques, informal interviews of executives, officers and employees of Dhaka
Bank Ltd.

1.5 Limitations of the report:

Computer has done this and that. Actually this is not the computer which has done this but the
user. Despite its various features, a computer does have the following limitations:

1.5.1 No Self Intelligence

Today, a computer is able to do a work which is impossible for man. Computers are used to do
risky and dangerous work and where sharp actually is needed. But it does not have any
intelligence of its own. It works according to the instruction only.

1.5.2 No Decision-Making power

Computer cannot take any decision of its own. It does only those tasks which are already
instructed to it.

1.5.3 No learning power

Computer has no learning power. Once you give instructions to a computer how to perform a
task, the very task is cannot perform if you do not give it any instructions for the next time. For
example, when you are taught how to solve a problem and it same type of problem is given to
you to solve, then you can do it because you have learned how to solve the problem.
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Cha
pter
:
Tw
o
Lite
ratu
re
Rev
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Literature Review

Computer systems are heavily utilized in banking sector for a variety of accounting
functions, including employee payroll; cash flow analysis; job costing; tracking of
customer payments and debts; federal, state, and local taxes; and other expenses and
revenues that impact on the business's fiscal health. Anywhere and anytime banking has
become a feature of the modern financial System. Electronic funds transfers and E-
Banking services have made globe into a small village and have eliminated the
geographical constraints. Technology is identified as an important factor by many
economists.

BUSINESS COMMUNICATIONS
The introduction of computer faxes and especially electronic mail systems has
revolutionized the way that businesses communicate with one another. Moreover, e-mail
has significantly altered how employees within the same company interact with one
another. The savings, both in time and money, which have been realized through the use
of this computer technology have been considerable. E-mail, for instance, not only
enables users to save significant sums of money that would otherwise go to long-distance
telephone and delivery charges, but also speeds up the process of information delivery.
Computer faxes, meanwhile, also enable businesses to "save, labour, office supplies, and
long-distance phone charges" that are associated with regular fax machines, noted Sandi
Smith in the Journal of Accountancy. "The savings: You don't have to make a paper
copy, go to the fax machine, wait to be sure the pages don't jam—and if they do, resend.
The cost of sending a fax via computer is a fraction of the cost of sending a machine fax."

Office Management using computer for management purposes means applying computer
for banking operations mainly. Banks are one of the busiest business organizations who
have to perform faster and efficiently. So there is no alternative of using computer.
Management has many sectors where computer has been applied. Description of
application of computer in these sectors is given below.

Constant monitoring banking operations

Core Plus offers dynamic, real-time statistical reporting facilities across all channels,
account managers, clients, products and branches/profit centres.
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Card Based Transactions in Banks

Banks issue credit, debit and smart cards to their customers. Debit cards are provided by
Banks to help customers to withdraw money anytime and anywhere. They are considered
as plastic money. With these cards they can also purchase goods and services without
paying cash. ATM machines are established in different areas for home Bank to help
customers. These cards are provided with personal identified number (PIN) to check
Bank statements, to withdraw money or to make cash payments in shopping centres.
Banks also provide smart cards to customers. They are built in microprocessor used for
financial transaction. They have unique identity solution. The smart card contains the
name of the account holder, card number, photo of the card holder and others. They are
used as electronic wallets and considered to be secure. Banks also provide credit card
facilities to their customers. It helped the account holder to purchase goods and services
in shopping centres without paying money at that time, but they have to repay that
amount with interest to the concerned Bank within a specified period.

Point of Sale Terminal

Point of sale terminal deals with computerized information files of customers. POS is a
swipe machine which is provided to a merchant establishment customer without paying
cash by swiping their magnetic plastic card which buys goods and services.
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Cha
pter
:
Thr
ee
Org
aniz
atio
n
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Organization Overview

Bangladesh economy has been experiencing a rapid growth since the early 90s. Industrial
and Agricultural development, international trade, inflow of expatriate Bangladeshi
workers’ remittance, local and foreign investments in construction, communication,
power, food processing and service enterprises ushered in an era of economic activities.
Urbanization and lifestyle changes concurrent with the economic development created a
demand for banking products and services to support the new initiatives as well as to
channelize consumer investments in a profitable manner. A group of highly acclaimed
businessmen of the country grouped together to responded to this need and established
Dhaka Bank Limited in the year 1995, under the Companies Act, 1994. The Bank started
its commercial operation on July 05, 1995 with the Authorized Capital of Tk. 1,000
million and Paid-up Capital of Tk. 100 million. The present Authorized Capital of the
Bank is Tk. 10,000 million. The Paid-up Capital of the Bank stood at Tk. 7,223 million as
on December 31, 2017. The total equity (capital and reserves) of the Bank as on
December 31, 2017 stood at Tk. 15,828 million. As on December 2017, the Bank has 100
Branches including 2 Islamic Banking Branches, 3 SME Service Centres, 56 ATMs, 20
ADMs, 2 Offshore Banking Units, 1 Kiosk and 6 Branches under Dhaka Bank Securities
Limited across the country and a wide network of correspondents all over the world. The
Bank has plans to open more Branches in the days ahead to expand the service delivery
network As an integral part of Dhaka Bank commitment to Excellence in Banking, Dhaka
Bank now offers the full range of real-time online banking services through its all
Branches, ATMs, ADMs and Internet Banking Channels. Dhaka Bank is the preferred
choice in banking for friendly and personalized services, cutting edge technology,
tailored solutions for business needs, global reach in trade and commerce and high yield
on investment.
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CHAPTER FOUR

Computer Applications in
“Dhaka Bank Ltd”
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Computerized Banking–The word is now on the figure. We can observe the overall
condition of the world after switch on the computer. Traditionally, financial
institutions eased paper-based system for recording customer account details. The
advent of computer technology provided institutions with the ability to automate
many of the back office tasks and essentially become more efficient. This meant
that more time could be devoted to selling product in the branches rather than back
office processing of account and transactions.

In banking sector there are a huge number of tasks is done by the computer. Like,
On-line transaction processing, centralized processing at country level, Internet
banking, interbank transaction processing, automatic fund transfers, On-line
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Banking, Home Banking, electronic Direct Deposit Check Truncation, lock box
check truncation, electronic fund transfer, internet banking and so on.

Computers have completely altered the structure of banking. Large volumes of

accounting and record keeping data can be manipulated, organized, stored,
retrieved and used for specific purposes. Bills and statements can be processed and
sent to customers in much less time and much less effort than would be required
for doing the same process manually financial projections is made with greater
ease. Planning and decision making thus be cover more efficient and accurate.
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Applications of Computer in “Dhaka Bank”:

Dhaka Bank GO:

Almost all the banking activities of Dhaka bank can be done by the app named
“Dhaka Bank GO”
Dhaka Bank proudly introduces its industry leading mobile banking app – Dhaka
Bank Go. It gives you secure access to your Dhaka Bank Accounts and Credit
Cards, etc anytime, anywhere. Explore and enjoy the infinite opportunities. You
will get easy and quick access to your account, loan and credit card information
such as balance, outstanding, limits, last transactions and many more. It also helps
you to track your spending and monitor your credits establishing full control over
your finances. Managing your money has never been so easy before. Dhaka Bank
Go establishes a secure connection between your mobile device and the bank. With
your secured TPIN, your account and card information is absolutely confidential
and controlled for your view only. Moreover, you will get SMS notifications for
transferring any fund or making any bill payment via this mobile app.

Dhaka Bank Go serves your purpose from transferring fund to paying utility bills
and everything in between. Simply add beneficiary account/ credit card number/
payee with a few clicks of your mobile device and you are ready to transfer fund to
any bank account, make Dhaka Bank credit card payment, and pay your mobile or
utility bills. Just search for ‘Dhaka Bank Go’ in Google Play Store and experience
the most advanced mobile app that comes with convenience and security.
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This App make the banking activity of Dhaka bank easier. There are many tasks
can be done by this app. Customers can be helped in many ways by the app. The
activity of Dhaka bank Go are:
 Account Details
 Balance/Transaction Inquiry
 Bill Payment
 Mobile Top-up
 Fund Transfer
 Service Request
 Existing Offers
 Discount Partners
 Swipe It/EMI Partners
 Branch/ATM Locator
 Dhaka Bank Contacts
 And many more…

Bank accounts:
Savings, Current, FDR, PDS, Term Deposit Scheme All these accounts are
maintained in electronic way for the sake of customer satisfaction in Dhaka bank.
People can deposit their money through electronic device and also can withdraw
their money such way. These are the common bank accounts which maintained by
the bank customer every now and then and bank is also given high priority or
facilities in this regards to their customer.
Cards:
Credit/Debit Card There are two different types of card. One is debit which
designate to withdraw own money from the bank in any time. Another one is a
credit system which provided by bank to their customer. Customer can enjoy their
credit amount while they are in shopping, withdraw cash etc.
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Internet Banking:
Customers need an Internet access service to handle this type of banking. As an
Internet Banking customer, he/she will be given a specific user ID and a
confidential/secret or secured password so that they can access to their own
account. Here customer can able to see the ledger balances, transfer his money,
request something towards bank, etc.

Automated Teller Machine (ATM):

Full abbreviation of ATM is “Automated Teller Machine” which acts like a teller
point in a bank who takes and gives money over the counter. ATM is same as teller
point but it run automatically through identity like card and password. It does not
need any slip or Cheque but it is very much based on A/C holder’s ATM card and
it’s Password. Those who are entitled for ATM card, bank has provided them a
password against every single card. This is like a debit card. People can deposit
their money in a bank account and they have entitled withdraw their money
through ATM card, which is applicable for 24 hours a day and 365 days in a year.
It has different name such as ATM, 24 hours banking card, money link card, e-
cash, ready cash etc.
Oracle banking:
Dhaka Bank Ltd using Oracle 12.13 version software.
“Transform your bank with an integrated platform of intelligent applications and
hardware”. Oracle Banking Platform has been designed to help banks respond
strategically to today's business challenges and progressively transform their
business models through industrialized business processes, driving productivity
improvements across front and back offices, and reducing operating costs.
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Features:
*Core Entity Services
*Common Account
*Calendar Services
*Currency Services
*Risk Indicator’s Impact Configuration
*Party Information
*Multi Entity Multi Branding
*Product Manufacturing
*Eligibility Framework Alerts
*Document Management System (DMS)
* Interface with Third Party
*Document Checklists
*Acceptance and Execution of Documents
*Document Search and Upload
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*Remittances and Collections

*Core Functionality
*Maintenances
*Clearing
*Payments and Collections
*Business Payments/Business Collections
*Mandate Registration
* Counterparty Maintenance
*Exception Handling
*NPA Management
*Security Management System (SMS) Security
*Transaction Blackout Configuration
*Approvals
*Cancel Pending Approval Request
*Settlement and many more…

SWIFT:
SWIFT Code is a standard format of Bank Identifier Codes (BIC) and it is unique
identification code for a particular bank anywhere in the world. These codes are
used when transferring money between banks, particularly for international wire
transfers. Banks also used the codes for exchanging other messages between them.
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SWIFT is a bank owned non-profit co-operative based in Belgium servicing the

financial community worldwide. It ensures secure messaging having a global reach
of 6,495 Banks and Financial Institutions in 178 countries, 24 hours a day. SWIFT
global network carries an average 4 million message daily and estimated average
value of payment messages is USD 2 trillion. SWIFT is a highly secured
messaging network enables Banks to send and receive Fund Transfer, L/C related
and other free format messages to and from any banks active in the network.
Having SWIFT facility, Bank will be able to serve its customers more profitable by
providing L/C, Payment and other messages efficiently and with utmost security.
Especially it will be of great help for our clients dealing with Imports, Exports and
Remittances etc.
Tele Banking:
Tele-Banking permit customers to get access into their respective banking
information 24 hours a day. Subscribers can update themselves by making a phone
call. They can transfer any amount of deposit to other accounts irrespective of
location either from home or office.
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 Remittance (Electronic Way):

Dhaka Bank is proud to be associated with global brands like Western Union, Ria,
Xpress Money and Instant Cash Worldwide.
With the motto of becoming the fastest remittance delivery partner, DBL stepped
into remittance business back in 2004. A remittance processed in Dubai, was it is
received in Dhaka on the same day. In the local banking industry, it was a
benchmark in remittance delivery system, where the other peer Banks intended to
reach. Dhaka Bank was believed to be the forerunner of this revolution. Wouldn’t
it be nice if remitters had less worries about their remittance sent to their kith and
kin? Keeping this in mind, Dhaka Bank, with nationwide coverage for remittance
disbursement, has 94 real time online Branches, 3 kiosks, 3,500 shared ATMs and
State-of-the-art infrastructure tied-up with renowned Exchange Houses around the
globe covering USA, North America, Europe, Asia and the Middle East. Our
valued partners, both within and outside the country, prefer to bank with us backed
by their unquestioned loyalty. We had to work over the years to earn it. In its
continuous effort to fortify its remittance disbursement network, Dhaka Bank has
relentlessly increased its own Branch network, affiliated with micro finance
institution
KYC:
KYC means Know Your Customer.
Dhaka bank use KYC as like other banks in Bangladesh. It is a part of account
opening form printed by Dhaka Bank as per guidelines of Bangladesh Bank. It is
compulsorily to be filled duly signed by all the deposit & investment clients. This
part of account opening form contains the particulars, i.e. Name, Present address,
Permanent address, business/service address, source of income, nature of business,
Monthly/Yearly income, Telephone/Mobile no of
present/permanent/business/service addresses, relationship with the introducer,
expected amount & number of transaction in cash & other modes in a month etc.
Bankers could segregate the accounts risk wise through KYC as per guidelines of
Bangladesh Bank.
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SMS and Internet Banking:

Dhaka Bank has recently launched SMS and Internet Banking facilities to its
clients. The SMS Banking facility will be available at this time to only Grameen
Phone subscribers. However, the same will be made available to the subscribers of
other major telecom operators soon. This service will enable the client with the
following facilities:
SMS Banking
 Access your account information anytime from anywhere
 Cheque Book request
 Cheque status inquiry
 Stop Cheque request
 Utility Bill Payment
Internet Banking
 Access to your account
 Fund Transfer
 Utility Bill Payment
 Open and Close Term Deposit
 Stop Cheque request
 Loan Repayment
 Inquire Interest rate and foreign currency rate
 Cheque Book request
bKash:
Dhaka Bank now collects bKash’s distributor wallet payment on real time. In
collaboration with Mohakhali Branch and IT Division DBL has integrated their
system with bKash so that the respective distributor’s wallet can be topped-up for
further e-Cash sale to bKash’s retailers and customers.
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IP phone in Dhaka bank:

IP (Internet Protocol) Technology is the base of all digital communication.
Basically it was evolved for data communication and gradually evolving widely for
using of voice transfer. In every network even internet hub runs on IP. Voice
communication through IP network is popularly known as IP Telephone.
In development of telecommunication and connectivity in Bangladesh, scope of IP
telephony increases. Government provided licenses to different companies for IP
telephony services (IPTSP). For any internal communication within own
organization through soft switch is open but to reach other operator an IPTSP is
required. Connectivity is the prime requisite for IP Telephone. Due to centralized
banking operations, all branches are connected mostly fiber link. So we can setup
IP Telephone by using an IP PBX – Soft or Hard. To waive cost and limitations,
we prefer soft PBX. BDCom online is one of the IPTSP and we have selected their
soft PBX for ip phone setup.

Electric Fund transfer:

Dhaka bank has successfully implemented EFT process as per Bangladesh Bank
requirement. They also played Pilot Bank role in that project. Gradually now all
branches and few divisions of Dhaka Bank Limited are using Electric Fund
transfer specially Business Operations division for Remittance & dividend
processing.

Dhaka bank C solution:

An automated payment gateway to meet daily bulk payment needs of the corporate
clients.

Dhaka Bank proudly brings forth Dhaka Bank C-Solution to meet the corporate
clients’ all kind of payment needs, salary payments, fees, commissions, suppliers’
bills, etc., through an automated and online based payment gateway. This payment
solution ensures maximum flexibility and enhanced security while making
payments through all the available payment modes, BEFTN, RTGS, DBL Account
to Account Fund Transfer, bKash, Cheque Issuance, Pay Order Issuance, etc.
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Customer will be able to make payments from anywhere of the globe. Just need to
sign in to Dhaka Bank C Solution by using your user IDs and make the payments
from there just by uploading one’s payment files from any place.

RTGS (Real-time gross settlement):

As per policy of Bangladesh Bank, Dhaka Bank has proudly implemented fast,
accurate and secured Interbank Payment system to receive and send within 30
minutes to and from any Bank and Branch within the whole nation.

To facilitate safe, secured and efficient interbank payment system, Bangladesh

Bank introduced Real Time Gross Settlement (RTGS) system as part of its
inclusive digitalization initiative.  It opened a new horizon in the arena of large
value time critical payment and settlement in the country. RTGS is an electronic
settlement system where transfer of funds takes place from one account of a bank
to that of another bank on a real-time and on gross basis. Real-time refers
transactions that do not need any waiting period. Transactions are settled as soon
as they are executed. System is designed to settle high value (more than or equal to
1, 00,000 BDT) local currency transactions as well as domestic foreign currency
transactions.

GoAML software:
Recently Training Workshop on “goAML Software” has been conducted by Dhaka
Bank Training Institute. 
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Anti-money-laundering (AML) refers to a set of procedures, laws and regulations

designed to stop the practice of generating income through illegal actions. Though
anti-money-laundering laws cover a relatively limited number of transactions and
criminal behaviours, their implications are far-reaching. For example, AML
regulations require institutions issuing credit or allowing customers to open
accounts to complete due-diligence procedures to ensure they are not aiding
in money laundering activities. The onus to perform these procedures is on the
institutions, not on the criminals or the government.

Utility bill payment:

Dhaka Bank has implemented most advanced solution in receiving Utility bills like
WASA, DPDC, DESCO and TITAS bill payment through its branches jointly with
Bangladesh’s different Government Offices and Private Companies. With the help
of Business Operations Division, IT Division has developed a full real time online
web based platform in order to receive Utility bill payments and update the
respective system central databases accordingly. This facility has enables anyone
who needs to pay the Utility bills in a smooth and hassle free manner.

MRP and MRV fee collection:

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Dhaka Bank Limited being a tech-savvy bank supported by state-of-the-art

technology always prioritizes digitalized financial and banking services that we
have been doing for more than a decade. Although we carry out formal banking
operations through our 74 branch locations but virtually we are present here and
there across the globe through real-time online banking, card services, internet
banking, utility bill collection units and remittance network. DBL has signed a
contract with Department of Immigration & Passports and five leading banks
which will pave the way to technological leadership in public payment system.
Besides, this will strengthen green banking initiative which is already on the go in
Bangladesh. By this agreement, the following mile steps will be achieved.
It’s most inspiring to see, our payment system is getting more tech-savvy and
bank-centric. The more we add technology to public payment system, the more we
can relieve people’s pain and financial insecurity.

Tuition Fee Payment

Dhaka Bank Tuition Fee Payment Solution is an integrated solution for payment &
Dhaka Bank introduces the first-ever Tuition Fees Payment Solution for collection
of tuition fees of different educational institutions.
Collection of tuition fee for the educational institute, guardians and students. With
this single system in place and the backbone of Dhaka Bank network, institutes can
collect the tuition fee of students via Dhaka Bank counter collections and other
digital payment methods such as Debit / Credit Cards, bKash, Mobile App. This
solution brings convenience, transparency, control and confidentiality of the tuition
fee payment for both the guardians and institutes. The solution is also capable to
handle automated communication of students’ tuition invoice and payment alerts.
This is just the beginning and the opportunity is limitless

Green banking:
Dhaka bank has been using a high performance automated core banking software
and e-mail for intra bank official correspondence where no more manual banking
is required. With a view of reducing the usage of hard copy statement as well as to
popularize paperless banking, Dhaka Bank, of late, introduced e-statements, M-
Banking, Internet Banking, ATM and ADM. Through e-statements client can view,
download or print an electronic version of the statement that looks just like the
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paper version. Dhaka Bank is also planning to introduce solar power ATM
operation on test basis.
Dhaka Bank has been using twenty-first century’s technology VIRTUALIZATION
for Data centre Server & Application. With the help of VM server Administration,
scalability and recourse management have improved tremendously. Also the cost
of power, cooling, space has been reduced significantly.

Besides above, there are many activities of Dhaka bank performed by the
computer. Like, Computer based attendance, computer based performance
appraisal, CCTV footage and so on…
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Chapter: Five
Analysis and Findings
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We gather a lot of information on the Dhaka Bank through meeting the branch manager of
Fantasy Kingdom Branch and different secondary sources. Analysing the information we
gathered a large amount of knowledge about the use of computer in the bank.
Almost all the works are being done by using computer system in the Dhaka Bank. Computer
has taken a revolutionary change in the banking sector. Computer helps both the bank authority
and customer in huge number.
Specially Dhaka Bank is totally dependent on the computerised app “Dhaka Bank GO”. It
introduced the app to make the task easier, modernized and reliable. It provides secure service
for individual customers. Besides, it may keep a great control on the credits established. Now
Dhaka Bank is able to connect your mobile phone easily through the app.
Dhaka Bank provides easy access of money of remittance. The remittance is transferred here
through an electric way. We had to work over the year to receive it before but now it is so much
easy to access. It give easy service for clients to open different accounts for different occupation
people like business men, students.
The Bank has already launched the SMS and Internet banking to provide modern service to the
customers. Now, it is also connected with bKash for wallet payment within a moment. It
included in three branches the SME loan system. Which is a positive news for small and medium
businesses.
The bank is using computer based attendance system for its all kinds of employees and the
performances of the employees are also count in a computerised system.

Besides, the bank is providing a huge number of services such , On-line transaction processing,
centralized processing at country level, Internet banking, interbank transaction processing,
automatic fund transfers, On-line Banking, Home Banking, electronic Direct Deposit Check
Truncation, lock box check truncation, electronic fund transfer, internet banking and so on.

After all, it may say that, Dhaka Bank, a name of modern bank in Bangladesh is a digital bank
which is providing us the services of digital world in banking sector.
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Chapter: Six
Recommendati
on &
Conclusion
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Through this study, the overview of the applications of computer in the Dhaka Bank can
be accessed easily. Though the bank is providing a huge facility for clients, beside these
it should provide further services.
Like, the bank already started the SNS and Online banking but it is available only for the
Grammeen Phone customer, not for other operators. To provide proper service to the
customers it should include the other mobile operators for the service.
Though the bank has started the SME loan system, it is in a short shape with only three
branches. But the service should launched further branches to increase the public value
about the bank.
The bank should give proper training on the computer system for the employees. The
complementary organisational procedural factors are as follows:
1. IT training procedures:
Personnel should be well trained on existing applications, and IT training is a visible
priority in the firm.
2. IT planning:
Clearly identified IT priorities and a plan for development and implementation.
3. Online based team building practices:
Organisational team-based structure, team support on solving information technology
related issues and the increased use of cross departmental teams in problem solving.
4. E-Banking customer relation procedures:
Clearly identified practices, internal procedures, and standard methods for managing of
customers in online.
Contradicting to the traditional case studies and literature, the findings of the report study
suggest that, owing to information technology imitation by competitors in banking sector,
the extensive use of IT alone has not produced a performance advantage. It shows that
sophisticated information technology users did not generally perform less sophisticated
users, but those that combined IT with complementary human resources and
complementary organisational procedure did gain performance advantages over the other
banks in Bangladesh.
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Reference
https://dhakabankltd.com/Dhaka-Bank-Annual-Report-2016.pdf
http://www.academia.edu/11705708/Banking_System_Software_use_in_Banking_
Sector_in_Bangladesh
https://securepaymentz.us/?
campaignid=597183577&adgroupid=36639772168&gclid=Cj0KCQiAkMDiBRD
NARIsACKP1FHlqmGUF8g0QGKiOZg0drNhdj2ffYNjVlyohlmuqNu9PlqyLcZk
IHAaAsa6EALw_wcB
https://dhakabankltd.com/tuition-fees-payment-solution/
https://dhakabankltd.com/right-to-information/
https://www.slideshare.net/masumhussain1650/use-of-technologies-in-the-
banking-sector-of-bangladesh
https://www.researchgate.net/publication/228121534_Electronic_Banking_in_Ban
gladesh
http://www.academia.edu/9941629/ONLINE_BANKING_SYSTEM_IN_BANGL
ADESH
https://dhakabankltd.com/training-program-on-aml-and-cft-at-dbti/
https://dhakabankltd.com/dhaka-bank-workshop-on-goaml-software/
https://en.wikipedia.org/wiki/Real-time_gross_settlement
https://dhakabankltd.com/dhaka-bank-c-solution/
https://dhakabankltd.com/launching-of-sms-and-internet-banking/
https://www.regulationasia.com/bangladesh-bank-to-introduce-electronic-kyc-for-
account-opening/
https://dhakabankltd.com/international-division/
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Appendix

Computer systems are heavily utilized for a variety of accounting functions, including
employee payroll; cash flow analysis; job costing; tracking of vendor and customer
payments and debts; federal, state, and local taxes; and other expenses and revenues that
impact on the business's fiscal health. Small business owners use computers for
bookkeeping more than for any other purpose, and software programs designed to help
even inexperienced business owners with their bookkeeping have proliferated on the
marketplace in recent years as a result.

Data management activities form the foundation for many activities that businesses
perform. Computers make it possible for companies to organize and manipulate massive
amounts of information productively. Larger corporations may use multiple SQL Server
databases to oversee data operations while smaller businesses might take advantage of the
data manipulation features in applications such as Microsoft Access. Regardless of your
business's size, you probably work with information and need to store it. Business
websites also use database software to sell products and even give people the ability to
join their sites.
Companies make money by buying and selling products at a profit, and computers help
them manage inventory and supplies efficiently. Wal-Mart, for example, uses a
sophisticated Neo Vista inventory management software system that enables the
company to keep products available in stores when people need them. Computers are also
useful for helping smaller businesses track and manage basic supplies, such as printer
paper, pencils and even cups for the water cooler.
Communicating with a co-worker who is sitting in the next cubicle is rarely a problem,
but coordinating and managing meetings where people reside in different states can be a
challenge. Computer software enables businesses to conduct virtual meetings where
people meet over the Internet and makes it possible for everyone in the business to view a
common calendar. Some companies strive to increase productivity by monitoring the
computers that people use.