AN INTERSHIP REPORT

ON
BUSINESS DEVELOPMENT PROCESS
AT
ESEWA PVT LTD

BY
GANESH BHATTARAI
P.U. Registration No: 2020-2-22-013
P.U. Exam Roll No: 20220248
Excel Business College

An Internship Report Submitted to

Faculty of Management, Pokhara University
In partial fulfillment of the requirements for the degree of

Master in Business Administration

Kathmandu
2022
APPROVAL PAGE

ii
TO WHOM IT MAY CONCERN

iii
 ACKNOWLEDGMENT

Firstly, I would also like to thank Mr. Kiran Thapa, my supervisor for his support
and vision in making the intern a systematic one. His exemplary guidance, monitoring
and constant encouragement helped me throughout the course of internship.

I would like to give my gratitude towards Mr. Ashis Prasai my mentor for assisting
and encouraging to do internship as business development officer at their
organization. Without their support and encouragement, it would have been difficult
to work on. I would also like to thank Mr. Sudip Pathak senior developer for their
technical support in API Development and Integration.

I would also be thankful to my colleagues for their support and encouragement in the
intern, who has supported me through their guidelines and experience. I would also be
thankful to all the faculty members, for their intense support in fulfilling my
internship requirements.

At the end, I would like to express my sincere thanks to all my friends and others who
helped me directly or indirectly during this internship period.

Sincerely,

Ganesh Bhattarai
P.U. Exam Roll No: 20220248

iv
 TABLE OF CONTENTS

APPROVAL PAGE.......................................................................................................ii
TO WHOM IT MAY CONCERN................................................................................iii
ACKNOWLEDGMENT...............................................................................................iv
LIST OF TABLE........................................................................................................vii
LIST OF FIGURE.....................................................................................................viii
LIST OF ABBREVIATION........................................................................................ix
CHAPTER ONE: INTRODUCTION........................................................................1
1.1 Background.............................................................................................................1
1.2 Objectives................................................................................................................1
1.2.1 General Objectives..........................................................................................2
1.2.2 Specific Objectives..........................................................................................2
1.3 Methodology............................................................................................................2
1.3.1 Organization Selection....................................................................................3
1.3.2 Placement.........................................................................................................3
1.3.3 Duration...........................................................................................................3
1.3.4 Activities Performed.......................................................................................4
CHAPTER TWO: INTRODUCTION OF INDUSTRY...........................................5
2.1 Introduction to Information Technology..............................................................5
2.2 Introduction of Financial Technology Industry....................................................5
2.3 History of Financial Technology industry.............................................................6
2.4 Present Situation of Fintech Industry in Nepal....................................................7
2.5 Challenges and Opportunities of fintech industry................................................7
2.5.1 Challenges of fintech industry........................................................................8
2.5.2 Opportunities of fintech industry...................................................................8
CHAPTER THREE: INTRODUCTION OF ORGANIZATION...........................9
3.1 Introduction to Organization.................................................................................9
3.2 Organization Mission and Vision...........................................................................9
3.3 Ecosystem of Organization...................................................................................10
3.4 Service provided by eSewa...................................................................................10
3.5 Organization Hierarchy.......................................................................................11
3.6 Organization Contact Details..............................................................................11
CHAPTER FOUR: ANALYSIS OF ACTIVITIES................................................12
4.1 Understanding the System and Working Environment.....................................12

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 4.2 Activities Performed.............................................................................................12
4.2.1 Merchant Creation and Integration............................................................12
4.2.2 API Testing....................................................................................................13
4.2.3 Contract Management..................................................................................15
4.2.4 Reconcile and Revert....................................................................................16
4.2.5 Form Creation Update..................................................................................16
4.2.6 Operational Activities...................................................................................16
4.2.7 BRD Creation................................................................................................17
4.3 Tools Used..............................................................................................................17
4.4 Experience in Internship......................................................................................17
4.5 Problem Solved.....................................................................................................17
4.6 Observed Gaps......................................................................................................18
CHAPTER FIVE: CONCLUSION..........................................................................19
5.1 Conclusion.............................................................................................................19
5.2 Recommendations for improvement....................................................................19
BIBLIOGRAPHY
APPENDICIES

vi
 LIST OF TABLE

Table: 1.1 Duration of Intern ……………………………………………...……...3

Table: 3.1 Organization Contact Details ….…………………………...…...….…11
Table: 4.1: Transaction Status…………………………………………………….16

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 LIST OF FIGURE

Fig: 3.1 eSewa Ecosystem………………………………………………………...10

Fig: 3.2 Organization Hierarchy……………. ……………………………….........11
Fig: 4.1 Sequence Diagram of API ………...……………………………………...13

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 LIST OF ABBREVIATION

API Application Programming Interface

BD Business Development
BIM Bachelor of Information Management
BRD Business Requirement Document
CDN Content Delivery Network
CEO Chief Executive Officer
CTO Chief Technical Officer
CV Curriculum Vitae
EMI Equated Monthly Installment
ETT eSewa Travel and Tour
GDP Gross Domestic Product
HTML Hyper Text Markup Language
ISP Internet Service Provider
IT Information Technology
Ltd Limited
PAN Personal Account Number
Pvt Private
QR Quick Response
TU Tribhuvan University
TV Television

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 CHAPTER ONE: INTRODUCTION

1.1 Background
The internship has given me the opportunity to get a real-world exposure the
professional career and shown wider exploration of the career opportunities in
Information Communication Technology fields and management areas like Business
development management, Business Automation etc. which was not possible only
through the academic classes. There has always been a gap in the industry
expectations from fresh MBA graduates. So, the internship requirement has been
helpful to bridge that gap and let the students know where they stand and what needs
to be at the mark of current market. Internship helps the students for implementing the
theoretical knowledge to the practical aspects for the development of technical and
mechanical skills of a student.

The internship not only fulfills the very requirement for awarding MBA degree by PU
but has also has helped the author in his individual development by getting the author
familiarize with the IT market of Nepal, and growing trend of outsourcing software
development in the world. This program has enhanced the skills and has ignited the
enthusiasm in the author as the author got the knowledge of the market environment
where the author will be working in and learn different aspects of working
mechanism that prevail in the organization. The implication of every subject learned
during the course; Database Management System, System Analysis and design, Web
Technology and others were seen in the organization.
An internship program is a special course which allows students to become familiar
with the real work experience. This program is very helpful to the students to gain
practical knowledge beside theoretical knowledge. It provides students an opportunity
to apply the knowledge and skills they have gained to technology-based systems.

1.2 Objectives
The objective of this internship program is to acquire direct exposure to the real work
experience.

1
1.2.1 General Objectives
The internship program is undertaken for the partial fulfillment of the requirements
for the degree of masters of business administration. Other General objectives of
intern are as follows:

 It will provide students the opportunity to test their aptitude for a particular
career before permanent commitments are made.
 Internship students will develop skills in the application of theory to practical
situations.
 To learn the work culture of the organization.
 It will provide student with an in-depth knowledge of the formal functional
activities of a participating organization.
 It will provide student the opportunity to develop attitudes conductive to
effective interpersonal relationships.

1.2.2 Specific Objectives

The specific objective of internship towards organization are as follows:
 To learn how to handle problem of customer, merchant regarding the various
products and services provided by the eSewa.
 To examine various front office and back office activities being performed in
business operation department
 To know the various services provided by the eSewa
 To know about the current emerging technologies being used.
 To know about the problems faced in industry.
 To know about the ethics, working culture and conventions of the industry.

1.3 Methodology
This report is mostly descriptive in nature where the facts and findings are prescribed
in a systematic manner. The information required for the preparation of report has
been collected from observation of the activities that are performed in the
organization and the personal interview and consultation with the staffs involved in
different departments of the eSewa.

2
1.3.1 Organization Selection
The beginning phase of an internship programs begins with a selection of suitable
organization by the internee as per the requirement. The knowledge of real world
scenario is obtained from the organization. For selecting this organization CV,
citizenship and recommendation letter from college are dropped in the various
organization. In this process I was recommended as an internee at eSewa Pvt. Ltd. of
Kathmandu and was followed by a call for the interview. I was lucky to get
opportunity to work as the internee at eSewa head office which is Nepal's 1 st digital
payment service provider whose parent company is F1 Soft. The company provided
the great opportunity to learn and gather experience about real organizational
environment.
1.3.2 Placement
I was offered placement in eSewa's head office at Pulchowk, Lalitpur. During the
internship period, I was placed in Business department. The supportive and friendly
environment in the organization helped me to complete the internship period through
proper guidance the team members of business development department. Throughout
the internship period, I got an opportunity to deal with various sort of organizational
issues, requirements prevailing in business development operation department.
1.3.3 Duration
As in MBA program Internship has been elected 3 credit hours which is equivalent to
eight weeks i.e. two months. However as per the company policy, an interns should
provide minimum of three months in their internship period. The following are the
details about duration of Internship:

Start Date : 4th February,2022

End Date : 14th June, 2022
Total Duration : Three Months
Position : API Integration
Supervisor : Ashis Prasai
Office Hour : 09:30am-5:30pm

Table 1.1: Duration of Intern

3
1.3.4 Activities Performed
During the internship period, internee was placed in the customer service department
of the eSewa head office. Different activities that were performed in the customer
service department of the organization in this internship duration were as follow:
 Merchant Creation and Integration
 API Testing
 Contract Management
 Reconcile and Revert
 Form creation update
 Operational Activities
 Business Development

4
 CHAPTER TWO: INTRODUCTION OF INDUSTRY

2.1 Introduction to Information Technology

Information Technology is the application of computers and telecommunications
equipment to store, retrieve, transmit and manipulate data, often in the context of a
business or other enterprise. The term is commonly used as a synonym for computers
and computer networks, but it also encompasses other information distribution
technologies such as television and telephones. Several industries are associated with
information technology including computer hardware, software, electronics,
semiconductors, internet, telecom equipment, e-commerce and computer services.

2.2 Introduction of Financial Technology Industry

Financial technology is the new technology and innovation that aims to compete with
traditional financial methods in the delivery of financial services. It is a new industry
that uses technology to improve activities in finance. The use of smartphones for
mobile banking, investing services and cryptocurrency are examples of technologies
aiming to make financial services more accessible to the general public. Financial
technology companies consist of both startups and established financial and
technology companies trying to replace or enhance the usage of financial services
provided by existing financial companies.
Fintech is a portmanteau of financial technology that describes an emerging financial
services sector in the 21st century. Originally, the term applied to technology applied
to the back-end of established consumer and trade financial institutions. Since the end
of the first decade of the 21st century, the term has expanded to include any
technological innovation in the financial sector, including innovations in financial
literacy and education, retail banking, investment and even crypto-currencies like
bitcoin.
The term financial technology can apply to any innovation in how people transact
business, from the invention of digital money to double-entry bookkeeping. Since the
internet revolution and the mobile internet revolution, however, financial technology
has grown explosively, and Fintech, which originally referred to computer technology
applied to the back office of banks or trading firms, now describes a broad variety of
technological interventions into personal and commercial finance. According to EY's
5
Fintech Adoption Index, one-third of consumers utilize at least two or more fintech
services and those consumers are also increasingly aware of fintech as a part of their
daily lives.
New technologies, like machine learning/artificial intelligence, predictive behavioral
analytics and data-driven marketing, will take the guesswork and habit out of
financial decisions. "Learning" apps will not only learn the habits of users, often
hidden to themselves, but will engage users in learning games to make their
automatic, unconscious spending and saving decisions better. Who uses fintech?
There are four broad categories: B2B for banks and their business clients; B2C for
small businesses and consumers. Trends toward mobile banking, increased
information, data and more accurate analytics and decentralization of access will
create opportunities for all four groups to interact in heretofore unprecedented ways.

2.3 History of Financial Technology industry

Fintech is a very broad sector with a long history. Most people hear fintech and think
about the latest mobile app which can help them pay for their morning coffee without
ever swiping a card or touching currency. But technology has always played a key
role in the financial sector in ways that most people take for granted and might not
ever see. In examining the timeline of fintech developments, the last 65 years paint a
picture of continued innovation and evolution.
The 1950s brought us credit cards to ease the burden of carrying cash. The 1960s
brought ATMs to replace tellers and branches. In the 1970s, electronic stock trading
began on exchange trading floors. The 1980s saw the rise of bank mainframe
computers and more sophisticated data and record-keeping systems. In the 1990s, the
Internet and e-commerce business models flourished. The result was the introduction
of online stock brokerage websites aimed at retail investors, replacing the phone-
driven retail stock brokering model. These five decades of developments have created
a financial technology infrastructure which most people never think about, but use
almost every day. It’s also important to note that throughout that 50-year period,
fintech developments were also creating more sophisticated risk management, trade
processing, treasury management and data analysis tools at the institutional level for
banks and financial services firms. While these systems are not apparent to retail

6
banking customers, they make up a multibillion industry aimed at supporting the
needs of the financial services sector.
2.4 Present Situation of Fintech Industry in Nepal
Nepal is one of the landlocked countries in the world, located between India and
China. 80% of Nepalese live in rural areas. Banks have consistently found it hard to
operate in rural areas because of the lack of proper infrastructure. In these rural areas,
many are poor. They have traditionally relied on agriculture, but increasingly they
rely on remittances. At least one in four households in Nepal have a migrant abroad
today. Nepal is one of the world’s top recipient of remittances as a share of GDP. In
Fiscal Year 2019/20, remittances were equal to more than 23.23% of GDP. With the
inflow of cash into the country, people are looking for ways to save and potentially
invest. As it has done in many parts of Sub-Saharan Africa, Fintech provides an
opportunity to increase access to financial services in Nepal to those who live in areas
where Banks cannot profitably operate brick and mortar businesses. Fintech has
proven to consistently lower the cost of doing business for financial institutions and
improve the quality of services. That 100% of Nepalese have mobile cellular
subscriptions also bodes well for the adoption of fintech.
If fintech were to increase access to financial services to all Nepal is, they would have
better chance to lifting themselves out of poverty, investing in their children’s
education and saving for emergencies, to name a few examples. Entrepreneurs in
Nepal are starting to leverage fintech to increase access to financial services. Biswas
Dhakal, a Nepali entrepreneur launched F1Soft to help financial institutions integrate
mobile communications to increase access to mobile banking to virtually everyone in
Nepal. Biswas and his team also launched eSewa, the first online payment system in
Nepal in 2010 to rapidly increase financial access.

2.5 Challenges and Opportunities of fintech industry

As there are challenges in life there are challenges in business or in any industry.
Opportunities and challenges are dynamic in nature. They vary depending upon the
market, technological advancement, consumer buying decisions and many more. As
opportunities are helpful for any industry or organization to grab new market segment
and helps industry to increase its business influence over bigger market either global
market or a local market.

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2.5.1 Challenges of fintech industry
 Digital divides between connected cities and unconnected villages
 Less development fixed infrastructure
 Poor knowledge and awareness
 Online transaction and securities
 Competition
 Political instability, liquidity crises, unfavorable policies of regulating body
 Switching
2.5.2 Opportunities of fintech industry
 Technology innovation
 Using digital currency
 Economic and demographic drivers
 Minimizes illegal currency use

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 CHAPTER THREE: INTRODUCTION OF ORGANIZATION

3.1 Introduction to Organization

eSewa was introduced in 2009 as an online payment service provider with an
integrated wallet by F1Soft. The service has been branded and operating as eSewa -
Nepal’s first and leading online payment service provider Licensed by Nepal Rastra
Bank. eSewa took initiation to digitize the Merchant Payments and enrolled 1,800+
Merchants into its digital payment network within few years of establishment. The
portfolio of merchants associated with eSewa makes a wide variety of industry such
as TopUp and recharge, Electricity & Water bill Payment, Airlines Ticketing, TV Bill
Payment, Credit Card bill Payment, Insurance and EMI Payments, Movies &
Entertainment, Internet Bill Payment, International Remittance, School & College Fee
Payments, eCommerce & Online Shopping, Bank Transfer, Events Ticketing, etc.

eSewa customers can use eSewa web/mobile application for mobile recharge,
electricity bill payment, TV payment, Online travel ticketing, Online shopping,
movies ticketing, school/ college fee payment, credit card payment, insurance
premium and many more. Similarly, merchants, service providers and retail outlets
can receive payments for goods and services in their eSewa wallet instantly.

Moving with the mission of leading the online payment industry with a secured,
integrated and comprehensive payment processing service, eSewa carry a vision of
Digital 2020 and hope to enable digital transactions for 20% of all Nepalese monetary
transactions by 2020 A.D.

eSewa App is available for both iOS and Android devices and its primary
web portal is www.esewa.com.np.

3.2 Organization Mission and Vision

Objective: To create revolution in intermediation by fully digitizing merchant
payment transaction.

Vision: Create cashless economy through FinTech to support all the stake holders and
enhance financial mobility of the country.

Mission: To provide financial services securely and efficiently to end user.

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3.3 Ecosystem of Organization
Ecosystem refers to interrelationship between various components with in an
environment in which failure of one component make impact on whole organization.
Following figure shows the ecosystem of eSewa:

Fig 3.1: eSewa Ecosystem

Banks, Agents, Customer and merchants are the components of ecosystem of eSewa.
Failure of any one components will effects the functioning of other components which
creates problem in eSewa.

3.4 Service provided by eSewa

 Full 24*7*365 convenience
 Sending and receiving money
 Rapid and efficient transaction processing
 Multiple payment option
 Secured flow of transaction detail among buyers, sellers and financial
institution
 Flexible and powerful real time report generation
 Customer refund facilities

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3.5 Organization Hierarchy

Fig 3.2: Organizational Hierarchy

3.6 Organization Contact Details

Organization Name: eSewa
Organization Type: Private Limited

Address: Pulchowk, Lalitpur

Website: www.esewa.com.np
Email: info@esewa.com.np

Contact No: +977-1-5970121

Table 3.1: Organization Contact Details

11
 CHAPTER FOUR: ANALYSIS OF ACTIVITIES

4.1 Understanding the System and Working Environment

This phase is simply included along with the working environment of eSewa Pvt. Ltd.
The supervisor and the team were very helpful and supportive in helping intern to
understand the organization infrastructure and working procedure of development
process in the organization. This phase also includes proper understanding of
communication procedures, reporting mechanisms and functional hierarchy of the
firm.

4.2 Activities Performed

During the period of internship in eSewa Pvt. Ltd., different IT related activities were
done. The activities were performed for the development, management and testing
through different aspects. The activities performed during my internship are as
follows:

 Merchant Creation and Integration

 API Testing
 Contract Management
 Reconcile and Revert
 Form creation update
 Operational Activities
 BRD Creation
 Business development
4.2.1 Merchant Creation and Integration
Merchants are the entities whose payment for product and services are being
facilitated using eSewa as a platform. The merchants that are enrolled in eSewa are of
various nature. They could be educational institutions, hotels, ISP,
telecommunications and other business entities that sell their products and services.
Merchants are enrolled to eSewa for payment collection using digital platform.

Merchant Creation Process:

i. After signing an agreement between merchant and eSewa, merchant is created.

12
 ii. Merchant is created by using the admin panel of eSewa with the help of given
details in agreement.
iii. Product code is generate after creating the merchant to collect the payment of
them uniquely.
iv. User credentials are created and sent to merchant for tracking their payments
v. Lastly, the merchant product is made live in app and web after allowing
necessary requirements.

I was given a task of creating merchant and fulfilling their requirements individually
by giving them necessary privilege like: displaying on web or app, form based, token
based, QR based.

4.2.2 API Testing

Application Programming Interface is used for token bases payment system.
Application Program Interface, is a set of routines, protocols, and tools for building
software applications. The API specifies how software components should interact.
Virtually all software has to request other software to do some things for it. To
accomplish this, the asking program uses a set of standardized requests, called
Application Programming Interface.

Fig 4.1: Sequence Diagram of API

13
Order of communication between interfaces:

1. Inquiry: eSewa calls the partner/client's server with the token entered from user as
in process shown in figure above. If the required token is valid, response is sent to
eSewa with the necessary parameters required for payment. If the token is invalid or
duplicate, error message is sent from partner/client, which is accordingly displayed to
the customer. Request is made with the unique request id or token generated by
client. GET Request Method type is used.

I was given a task to test an API whether it is working or not as per the given
requirement of user/merchant. If the given data are correct the merchant server
response in JSON format to the request.

For Example:

Screenshot 4.1: API Inquiry Test

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2. Payment: After the successful operation of inquiry, payment operation is performed as per
the response of inquiry by the user as shown in the above sequence diagram. Request is
made with payable amount generated from response during inquiry. POST Request
Method type is used.

I also test this API payment operation for validating the payment for both user side
and merchant side.

For Example:

Screenshot 4.2: API Payment Test

4.2.3 Contract Management

Contract Management is the process of managing agreement of merchant and eSewa
in proper way for the future reference as well as to make available to authorized

15
person during need. During my initial phase of intern I was responsible for
maintaining the contract management system where all the credentials related to the
individual merchants like merchant id, PAN number, category, and their soft copy
agreement are stored.
After maintaining this system I got to know about merchants how they cope with the
organization their working procedure.

4.2.4 Reconcile and Revert

Reconcile is the process of separating transaction that were initiated by the user but
wasn't completed due to some technical issues (session expired or time out) from the
overall transaction performed. There is two kind of issue encountered while
processing the transaction they are pending and ambiguous.

Pending is faced due to the technical issues found in the server of eSewa and this is
handle through revert system where the cash are returned back to the user.

Ambiguous is faced while merchant's server encounter technical issues. This issue is
handled through reprocess where transaction is initiated from the beginning to
complete the transaction.

Status Description
Complete Status defining the transaction being
finished/successful
Cancelled Status defining the transaction being
reverted to customer
Pending Status defining the transaction must be
verified/checked
Ambiguous Status defining the transaction being
uncertain/unclear
Table 4.1: Transaction Status

4.2.5 Form Creation Update

Form is created as per the requirement of merchant for the form based payment using
HTML programming language and upload it in the eSewa server with the help of
CDN. Resource Override Extension is used to test and validate the form as per the
responsiveness of eSewa application in various platform.

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4.2.6 Operational Activities
Operational Activities are the day to day function performed in the organization. In
operational activities requirement are gathered and task are performed accordingly.
Some operational task are handling merchant issues, updating form, logo insertion
and update, maintain records, as well as above task.

4.2.7 BRD Creation

It is a document to record the functional, quality, and usability requirements into
formats that are easily consumable for future analysis and design activities. These
design are most important in a format that is understandable by all business stake
holders. The BRD is designed to take the reader from high level understanding of the
business processes down to the detailed business requirement.

4.2.8 Business development

Business development process is the process of making aware about our products and
services to our potential customers. Business development has done through various
process;

 Social media posts,

 Promotions
 Offers/cashbacks
 FCM
 Merchant relations

4.3 Tools Used

 Visual Studio Code: VS Code is used for code editing process of the system
 CDN: A content delivery network (CDN) refers to a geographically distributed
group of servers that work together to provide fast delivery of Internet content.
 PostMan: Used for testing and tuning APIs.
 Notepad++: Used to write specially JSON format code.
 Burp Suite: Used for pen testing of e-Pay through other platforms.
 Balsamic/Figma: It is lets a user to create mockup and wireframe of a system
that are kept in the BRD which represent our system.

17
  Google Sheet: To record operational activities on daily basis and perform task
accordingly.

4.4 Experience in Internship

This internship was by far the most important thing I’ve done when it comes to my
career. For the first time, I was able to experience the day-to-day working
environment and what it is like to produce regular content each day, and instead of
feeling exhausted, I was inspired, excited and exhilarated. I learned many internal and
external things through internship. There were many helpful people who guide me,
train me to work as one of them in eSewa.
eSewa attaches great importance to communication with staff. eSewa believes that a
happy and motivated workforce is the most important factor in achieving their
strategic goals.
4.5 Problem Solved
Being placed in business departments as operation officer, I got the opportunity to
gain practical Knowledge about the operation procedure of the various departments,
confronted with various problems which were handed and solved efficiently. Problem
solved were as follows:
 API data validation for generic token payment
 Merchant data validation for creating a merchant in eSewa
 Form creation and validation according to needs
 Payments update of various issues
 Supporting team members with their related problem

4.6 Observed Gaps

Knowledge gained from the academic courses seemed to be totally different in the
practice. Although there is huge gap between theory and practice, the concept of the
theory is essential in the work place. Literature is the base to perform ant task in the
working environment. Depth knowledge from the book about the customer
relationship cannot be as effective as that in practice.
Whenever I learn something through the help of books, get a mental picture as to what
should be, but after completion of the internship the I found out that the textbooks and
the real world situation are two completely different matters because what was learnt

18
in the textbooks are not updated from time to time whereas in the real world one has
to be updated in order to complete and get success.

CHAPTER FIVE: CONCLUSION

5.1 Conclusion
From internship program, I was benefited by having a real-world experience in the
organization where I can implement concepts and logics that were learned during my
study period. Within short period of time, developing, testing and system analysis task
has been observed and learned, which taught the significance of relationship,
leadership traits and other IT support skills along with business development.

The testing process were done from various organization projects before and after
deployment in the real world. My role of system analysis and design helped the
merchant to build the system easily, highlighting the requirements by designed by me.
I was involved to design and test the overall flow of the operation that was going to be
build, and with the little help from the seniors I did it all. Those all the things in an
organization gave me the ability to act as overall IT Assistant for any organization. I
got to learn many things in real world environment and learned different non-IT
things as well. The internship program built what I had learnt in my four year of BIM

19
and helped me adapt myself and make practical usage what I learnt in my Bachelor’s
degree. Finally, I became successful to bridge upon the gap between the theoretical
knowledge that I have and the real-world implementation of that knowledge.

5.2 Recommendations for improvement

The organization has been very cooperative and follows a very standard and
professional approach to what it does. Recommendations to improve the organization
are very less as the organization is already heading towards their goal. However, the
organization could expand its business area outside the country or internationally.
Overall, organization is performing very well and staffs are very friendly and I did my
all works which were assigned to me before deadline within the office environment.

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 BIBLIOGRAPHY

F1 Soft International, S. P. L. (n.d.). Developer Guidelines.

Https://Developer.Esewa.Com.Np. Retrieved March 13, 2022, from
https://developer.esewa.com.np/#/?id=introduction

Berger, 2003,A.N. Berger, The economic effects of technological progress: evidence from the
banking industry, Journal of Money, Credit, Banking, 35 (2) (2003), pp. 141-176

Mocetti et al., 2010, S. Mocetti, et al., Information technology and banking

organization,TEMI (2010)
 APPENDICIES

Screenshot: API Inquiry testing through Postman

Screenshot: API Payment testing through Postman

 Screenshot: Code of first step form

Screenshot: Output of first step form

 Screenshot: Second Step Form Code

Screenshot: Output of second step form