Siddhant Institute of Computer Application

PUNE-412109

PROJECT REPORT

On

“ONLINE ATM SYSTEM”

IN PARTIAL FULFILLMENT OF

MASTER OF COMPUTER APPLICATION

BY
Bhore Suraj Parmeshwar
MCA I SEM I
2024-25

SUBMITTED TO

SAVITRIBAI PHULE PUNE UNIVERSITY

1
 ACKNOWLEDGEMENT

Apart from that efforts of me, the success of the project depends largely on the
encouragement and guidelines of many others. I take this opportunity to express my
gratitude to the people who have been instrumental in the successful completion of this
project.

I would like to express a deep sense of gratitude to Director Prof. Nitin Shrirao and our
Head of the department Prof. Reshma Mavkar for their cordial support as they give the
permission to use all required equipment and the necessary material to complete the
project.

I would like to extend my sincerest gratitude to Prof. Sujata Albhar for her/his guidance
and supervision as well as for providing necessary information regarding the project and
also for the support in completing the project.

Finally I also extend my heartiest thanks to my parents, friends and well wishers for being
with me and extending encouragement throughout the project.

2
 CERTIFICATE

This is to certify that the Mini project report entitled, “Online ATM System” being
submitted here with for the internal work of the degree of MASTER OF COMPUTER
APPLICATION (SEM-I) to Savitribai Phule Pune University, Pune is the result of the
original project work completed by Bhore Suraj Parmeshwar under the supervision and
guidance of Prof . Sujata Albhar and to the best of my knowledge and belief, the work
embodies in this Project has not formed earlier the basis for the award of any Degree of
similar title or any other University or examining body.

Date:

Place: Pune

Prof . Sujata Albhar Prof . Reshma Mavkar Prof . Nitin Shrirao

Project Guide Head of Department Director

Internal Examiner External Examiner

Name & Sign Name & Sign

3
Sr.
No Contents
1 CHAPTER 1 : INTRODUCTION
1.1 Introduction of project
1.2 Scope of Project
1.3 Existing System and Need for System
1.4 Operating Environment – Hardware and Software
2 CHAPTER 2 : PROPOSED SYSTEM
2.1 Proposed System
2.2 Objectives of Proposed System
2.3 User Requirements
3 CHAPTER 3 : ANALYSIS AND DESIGN
3.1 Entity Relationships Diagram (ERD)
3.2 Class Diagram
3.3 Object Diagram
3.4 Use Case Diagram
3.5 Activity Diagram
3.6 Sequence Diagram
4 CHAPTER 4 : INPUT / OUTPUT AND LAYOUTS
5 CHAPTER 5: DRAWBACKS AND LIMITATIONS
6 CHAPTER 6: FUTUTE ENHANCEMENT
7 CHAPTER 7 : CONCLUSIONS
8 CHAPTER 8 : BIBLOGRAPHY

4
 CHAPTER 1 : INTRODUCTION

1.1 Introduction to Project :-

An online ATM (Automated Teller Machine) system is designed to offer convenient,

secure, and user-friendly banking services over the internet. This system allows users to
perform various banking functions such as withdrawing or depositing funds, viewing their
account balance, transferring money between accounts, and managing their accounts
remotely.

1.2 Scope of Project :-

Provide 24/7 Self-Service Banking

Ensure Secure Transactions
Reduce Operational Costs
Facilitate Real-Time Banking
Support Cash Management

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1.3 Existing System and Need for System :-

To develop a secure and user-friendly online ATM system that allows customers to
perform banking transactions online, similar to those offered by online or physical ATMs,
such as balance checks, transaction history, and more.
But you compalsary for create an account if you don’t have any account in the system then
you can use all service from the system and accounts

1.4 Operating Environment – Hardware and Software : -

1) Hardware :-

Processor : Intel(R) Core(TM) i5-7300U CPU @ 2.60GHz 2.71 GHz

Hard Disk : 15GB
RAM : 256 MB

2) Software :-

Front End : Html5 , Css3, JavaScript, Django

Back End : Python
Software : visual studio (V S Studio)
OS : Windows10

6
 CHAPTER 2 : PROPOSED SYSTEM

2.1 Proposed System :-

The proposed Online ATM System will enable customers to perform a wide range of banking
transactions using any internet-connected device (e.g., mobile phone, computer). It aims to
provide a user-friendly interface with enhanced security features, offering a digital alternative
to conventional ATM services.

The Proposed System for an Online ATM System seeks to create a digital platform that
replicates and enhances the functionality of a traditional physical ATM, providing customers
with secure, convenient, and anytime-accessible banking services. The proposed system
leverages modern technology to address the limitations of existing systems, making banking
more seamless and customer-centric. Here's a detailed outline of the proposed system:

Features of proposed system:-

Enhanced Accessibility:
Cost Efficiency:
User Convenience:
Improved Security:
Scalability:

2.2 Objectives of Proposed System :-

The Objectives of the proposed Online ATM System define the goals and outcomes
intended to be achieved through its development and deployment. These objectives guide the
project's design, implementation, and evaluation, ensuring it meets user needs and addresses
existing limitations. Here are the main objectives:

 Customer service: Provide quality services to customers

 Efficiency: Enhance efficiency, accuracy, and availability
 User-friendly: Make the system easy to use and provide training to users
 24/7 control: Ensure 24/7 control over the operation of the device
 Timely response: Respond to emergency situations in a timely manner
 Protect customer data: Protect the personal data of customers

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 2.3 User Requirements :-

Creating a user requirements document for an Online ATM System involves specifying functional
and non-functional requirements that align with user needs. Below are key requirements that
might be necessary for such a system

Functional Requirements :

1. User Authentication:
o Secure login with a username and password, PIN, or biometric
verification (e.g., fingerprint, facial recognition).
o Multi-factor authentication for additional security.
2. Account Overview:
o Display real-time account balance.
o Allow access to multiple linked accounts.
3. Cash Withdrawal:
o Allow users to specify an amount to withdraw, limited to the available
balance and daily limits.
o Generate a receipt (digital) for the withdrawal.
4. Deposit:
o Allow users to deposit funds (including checks and cash via integration
with physical kiosks).
o Confirm the deposit with digital receipts.
5. Fund Transfers:
o Facilitate transfers between the user’s own accounts.
o Allow transfers to external bank accounts with recipient details.
6. Bill Payment:
o Provide functionality for paying utility bills, credit cards, etc.
7. Account Management:
o Change PIN or passwords.
o Update personal information (e.g., phone number, address).
8. Security Alerts:
o Notify users of suspicious activities.
o Alerts for large transactions or unauthorized access attempts.
9. Customer Support:
o Access to 24/7 customer support (via chat, phone, or FAQs).
10. Session Management:
o Automatic logout after a period of inactivity

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Non-Functional Requirement

1. Performance:
o System should respond to user requests within 3 seconds for most operations.
2. Scalability:
o Capable of handling a large number of concurrent users.
3. Availability:
o 99.9% uptime for the system.
4. Security:
o Data encryption in transit and at rest.
o Compliance with banking regulations (e.g., PCI-DSS for payment data).
o Regular security updates.
5. Usability:
o Intuitive user interface with easy navigation.
o Accessibility features (e.g., support for screen readers).
6. Compatibility:
o Accessible from various devices (desktop, mobile, tablet).
7. Reliability:
o Accurate and consistent data and transaction processing.
8. Data Backup:
o Regular automated backups to ensure data recovery.

9
CHAPTER 3 : ANALYSIS AND DESIGN

3.1 Entity Relationships Diagram (ERD) :-

10
3.2 Class Diagram

11
3.3 Object Diagram

12
3.4 Use Case Diagram

13
3.5 Activity Diagram

14
3.6 Sequence Diagram

15
CHAPTER 4 : INPUT / OUTPUT AND LAYOUTS

Base.html

{% load static %}
<!DOCTYPE html>
<html lang="en">
<head>
<link rel="stylesheet" type="text/css" href="{% static
'atm_py/style.css'
%}">
<link rel="shortcut icon" href="{% static
'atm_py/favicon.png' %}" type="image/x-icon">
<title>{{ title }}</title>
</head>
<body>
<!-- Header -->
<center>
<img src="{% static 'atm_py/logo.png' %}" alt="logo"
width="20%" style="padding-top: 25px;">
<!-- <h1>Automated Teller Machine</h1> -->
</center>

<!-- Main Body -->

{% block content %}
{% endblock %}

<!-- Footer -->

<div class="footer" id="forgot_pwd_txt">
<p>Created for Diya Interactive AB by <a
href="https://mursalfk.github.io" target="_blank">Mursal Furqan</a></p>
</div>
</body>
</html>

Login.html
{% extends "atm_py/base.html" %}
{% block content %}

<form action="" method="POST">

{% csrf_token %}
<table id="table_signin">
<tr>
<td colspan="3">
<center><h1>User Login</h1></center>
</td>
</tr>

16
 <tr>
<th colspan="3">
<center>
Username: &nbsp;&nbsp;&nbsp;
<input type="text" name="username" style="width: 30%;">
</center>
</th>
</tr>
<tr>
<th colspan="3">
<center>
Password: &nbsp;&nbsp;&nbsp;&nbsp;
<input type="password" name="password" style="width:
30%;"
> </center>
</th>

</tr>
<tr>
<td>
&nbsp;
</td>
</tr>
<tr>
{% for message in messages %}
<tr><td><center>{{message}}</center></td></tr>
{% endfor %}
</tr>
<tr>
<td colspan="2">
<center>
<input type="submit"
value="Login">&nbsp;&nbsp;&nbsp;&nbsp;
<!-- <a href={% url 'dashboard-atm'
%}><input type="button" value="Login"></a> -->
<a href={% url 'welcome-atm' %}><input type="button"
value="Back"></a>
</center>
</td>
</tr>
<tr>
<td>&nbsp;</td>
</tr>
<tr>
<td colspan="2" id="forgot_pwd_txt">
<center>
<p>Don't have an account? <a href={% url 'signup-atm'
%}>Signup</a></p>

17
 </center>
</td>
</tr>
</table>
</form>

{% endblock content %}

SignUp.html

{% extends "atm_py/base.html" %}
{% block content %}

<form action="" method="POST">

{% csrf_token %}
<center>
<table class="signup_table">
<tr><td colspan="2"><center><h2>Signup Form
</h2></center></td></tr>
<tr>
<td>{{form.first_name.label}}</td>
<td>{{form.first_name}}</td>
</tr>
<tr>
<td>{{form.last_name.label}}</td>
<td>{{form.last_name}}</td>
</tr>
<tr>
<td>{{form.username.label}}</td>
<td>{{form.username}}</td>
</tr>
<tr>
<td>{{form.email.label}}</td>
<td>{{form.email}}</td>
</tr>
<tr>
<td>{{form.password1.label}}</td>
<td>{{form.password1}}</td>
</tr>
<tr>
<td>{{form.password2.label}}</td>
<td>{{form.password2}}</td>
</tr>
<tr>
<td colspan="2">{{form.errors}}&nbsp;</td>
</tr>
<tr>
<td colspan="2"><center><a href={% url 'welcome-atm' %}><input
type="button" value="Back"></a>
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 &nbsp;&nbsp;&nbsp;&nbsp;<input type="submit" name="Sign
Account"></center></td>
</tr>
<tr>
<td>&nbsp;</td>
</tr>
<tr>
<td colspan="2" id="forgot_pwd_txt">
<center>
<p>Already Have an Account? <a href={% url 'login-atm'
%}>Signin</a></p>
</center>
</td>
</tr>
</table>
</center>
</form>
{% endblock content %}

DashBoard.html

{% extends "atm_py/base.html" %}
{% block content %}
<table id="table_dashboard">
<tr>
<td colspan="3"><center><h1>Dashboard</h1></center></td>
</tr>
<tr>
<td colspan="3"><h2>Hello Mr/Ms. &nbsp; {{request.user}}</h2></td>

</tr>
<tr>
<td colspan="3"><h3>What would you like to do?</h3></td>
</tr>
<tr>
<td>
<a href={% url 'balance_inquiry_atm' %}>
<button class="dash_btn" id="btn_balance_inquiry">Balance
Inquiry</button>
</a>
</td>
<td>
<a href={% url 'withdraw_money_atm' %}>
<button class="dash_btn" id="btn_withdraw_money">Withdraw
Money</button>
</a>
</td>
<td>

19
 <a href={% url 'add_balance_atm' %}>
<button class="dash_btn" id="btn_add_balance">Add
Balance</button>
</a>
</td>
</tr>
<tr>
<td>
<a href={% url 'reset_password' %}>
<button class="dash_btn" id="btn_chng_pwd"
disabled style="background-color: darkgray;">Change
Password</button>
</a>
</td>
<!-- <td><button class="dash_btn"
id="btn_chng_pin">Change Pin</button></td> -->
<td>
<a href={% url 'tranc_history_atm' %}>
<button class="dash_btn" id="btn_trn_history">Tranc.
History</button>
</a>
</td>
<td colspan="3">
<center>
<a href={% url 'logout-user' %}>
<button class="dash_btn" id="btn_signout" >
Signout
</button>
</a>
</center>
</td>
</tr>
<tr>
<td colspan="3" id="forgot_pwd_txt">
<center><h2>{{message}}</h2></center>
</td>
</tr>
</table>
{% endblock content %}

Addbalance.html
{% extends "atm_py/base.html" %}
{% block content %}

<table>
<tr>
<td><h2>
Hello Mr/Ms. &nbsp; {{request.user}}
</h2></td>

20
</tr>

21
 <tr>
<td>
<h1>
Welcome to <b><i>Money Addition System</i></b>
</h1>
</td>
</tr>
<tr>
<td><h3>How much money would like to Add?</h3></td>
<td>
<form action="" method="POST">
{% csrf_token %}
{{form.amount}}
</td>
</tr>
<tr>
</tr>
<tr>
<td colspan="2" id="forgot_pwd_txt"><center>
<h2>{{status}}</h2>
</center>
</td>
</tr>
<tr><td>&nbsp;</td></tr>
<tr>
<td colspan="2">
<center>
<input type="submit" value="Add Money">
</form>
&nbsp; &nbsp;&nbsp; &nbsp;&nbsp; &nbsp;
<a href={% url 'dashboard-atm' %}><button>Back</button></a>
</center>
</td>
</tr>
</table>

{% endblock content %}

Withdraw.html

{% extends "atm_py/base.html" %}
{% block content %}

<table>
<tr>
<td><h2>
Hello Mr/Ms. &nbsp; {{request.user}}

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 </h2></td>
</tr>
<tr>
<td>
<h1>
Welcome to <b><i>Money Withdrawal System</i></b>
</h1>
</td>
</tr>
<tr>
<td><h3>How much money would like to withdraw?</h3></td>
<td>
<form action="" method="POST">
{% csrf_token %}
{{form.amount}}
</td>
</tr>
<tr>
<td colspan="2" id="forgot_pwd_txt"><center>
<h2>{{zero_balance_alert}}</h2>
</center>
</td>
</tr>
<tr><td>&nbsp;</td></tr>
<tr>
<td colspan="2" >
<center>
<a href={% url 'dashboard-atm' %}><input
type="submit" value="Withdraw Money"></a>
</form>
&nbsp; &nbsp;&nbsp; &nbsp;&nbsp; &nbsp;
<a href={% url 'dashboard-atm' %}><button>Back</button></a>
</center>
</td>
</tr>
</table>

{% endblock content %}

Transaction.html

<!-- {% extends "atm_py/base.html" %} -->

{% block content %}

<div class="wrapper">
<table class = "div_tranc_history wrapper">
<tr>
<td colspan="4">

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 <h2>Hello Mr/Ms. &nbsp; <i>{{request.user}}</i></h2>
<h1>Welcome to <b><i>Transaction History
Section</i></b></h1> Here is Your Transaction History
</td>
</tr>
<tr>
<th style="padding: 10px;">User ID</th>
<th style="padding: 10px;">Date & Time</th>
<th style="padding: 10px;">Transaction</th>
<th style="padding: 10px;">Updated Balance</th>
</tr>
{% for i in history_td %}
<tr>
<td style="padding: 10px; ">{{i.user_id}}</td>
<td style="padding: 10px; ">{{i.dateTime_field}}</td>
<td style="padding: 10px; border: 1px solid rgb(0,
0, 0)">{{i.withdrawl_amount}}</td>
<td style="padding: 10px; border: 1px solid rgb(0,
0, 0)">{{i.remaining_amount}}</td>
</tr>
{% endfor %}

<tr>
<td>&nbsp;</td>
</tr>
<tr>
<td colspan="4">
<center>
<a href={% url 'welcome-atm' %}><button>Back</button></a>
</center>
</td>
</tr>
</table>
</div>
{% endblock content %}

View.py

from django.shortcuts import render,

redirect from .forms import CreateUserForm
from django.contrib.auth.forms import
UserCreationForm from django.contrib import messages
from django.contrib.auth import authenticate, login,
logout from django.contrib.auth.decorators import
login_required

# Create your views here.

24
def loginpage(request):
if request.user.is_authenticated:
return redirect('dashboard-
atm')
else:
context =
{'title':'Login'} if
request.method == 'POST':
username = request.POST.get('username')
password = request.POST.get('password')

user = authenticate(request, username=username,

password=password) if user is not None:

login(request, user)
return redirect('dashboard-
atm') else:
messages.info(request, 'Username or Password is
incorrect') return render(request, 'atm_py/login.html',
context)

return render(request, 'atm_py/login.html',

context) def logoutUser(request):

logout(request)
return redirect('login-atm')

def accessAdmin(request):
return redirect('admin-atm')

def signuppage(request):
if request.user.is_authenticated:
return redirect('dashboard-
atm')
else:
form = CreateUserForm()
if request.method == "POST":
form =
CreateUserForm(request.POST) if
form.is_valid():
form.save()
user = form.cleaned_data.get('username')
messages.success(request, 'Account Created for ' +
user) return redirect('/')
context = {'form' : form, 'title':'Signup'}
# return render(request, 'atm_py/signup.html', {'title':'Signup'},
context)
25
 return render(request, 'atm_py/signup.html', context)

# This line will restrict users to not to see the page if they are not
signed in for every view we put above at

26
Model.py

from django.db import models

class DataClass(models.Model):
'''Attribute => Name of the Variable = model.Type of the Field
(further constrainsta)'''
# user_id = models.IntegerField()
# username = models.TextField(max_length=200,
default="username") name = models.CharField(max_length=200)
# pin = models.IntegerField(default="1111")
# account_status = models.TextField(max_length=200,
default="inactive") password = models.CharField(max_length=200,
default="password")
# balance = models.IntegerField(default="0")

# def str (self):

# return self.name

class Transaction(models.Model):
'''Replace these names with ID when you learn them
completely''' user_id = models.ForeignKey(DataClass,
on_delete=models.CASCADE) date =
models.DateField(auto_now_add=True)
time = models.TimeField(auto_now_add=True)
action = models.CharField(max_length=200, default="username")

class Transaction_dummy(models.Model):
'''Replace these names with ID when you learn them
completely''' user_id = models.ForeignKey(DataClass,
on_delete=models.CASCADE) date =
models.DateField(auto_now_add=True)
time = models.TimeField(auto_now_add=True)
action = models.CharField(max_length=200,
default="username") # def str (self):
# return self.text

Manage.py

#!/usr/bin/env python
"""Django's command-line utility for administrative
tasks.""" import os
import sys

def main():
"""Run administrative tasks."""

27
os.environ.setdefault('DJANGO_SETTINGS_MODULE',
'atm.settings') try:

28
 from django.core.management import
execute_from_command_line except ImportError as exc:
raise ImportError(
"Couldn't import Django. Are you sure it's installed and "
"available on your PYTHONPATH environment variable? Did you
" "forget to activate a virtual environment?"
) from exc
execute_from_command_line(sys.argv)

if name == ' main ':

main()

29
Outputs :-

Home page :

Select options :

30
SignUp :

Log In :

31
User Dashboard :

Deposite Money :

32
Balance Inquiry After Deposite :

Withdraw Amount :

33
Balance Inquiry After withdrawal :

34
CHAPTER 5: DRAWBACKS AND LIMITATIONS

Here are some drawbacks and limitations of an online ATM system:

1. Security Risk

 Cybersecurity Threats: Online ATM systems are vulnerable to hacking, phishing,

and other cyberattacks.
 Data Breaches: Sensitive user data like PINs, account details, and transaction
records can be compromised if not properly secured.
 Weak Passwords: Users may use weak passwords, increasing the risk of unauthorized
access.

2 . Dependence on Internet Connectivity

 Connectivity Issues: Users need a stable internet connection to access the

system. Poor connectivity can disrupt transactions.
 Geographical Limitations: In rural or remote areas, limited or no internet access
can prevent users from using the system.

3 . Technical Glitches

 Server Downtime: If the server hosting the system goes down, users cannot access
their accounts or perform transactions.
 Software Bugs: Errors or bugs in the software can lead to incorrect transactions or
system crashes.

4 . Limited Functionality

 Cash Dependency: Online systems cannot dispense physical cash, which may
inconvenience users who need immediate cash.
 Restricted Services: Some services, like card replacement or depositing
checks, cannot be handled online.

5 . Fraud Risk

 Identity Theft: Fraudsters can impersonate users to access their accounts.

 Fake Websites/Apps: Users may fall victim to scams involving fake versions of the
online ATM system.

6 . Transaction Limits

 Daily Limits: Many banks impose transaction or withdrawal limits for online
systems, restricting how much users can transfer or withdraw.
 Processing Delays: Certain transactions (e.g., large transfers) may require additional
verification, causing delays.

35
 CHAPTER 6: FUTUTE ENHANCEMENT

Future enhancements in an Online ATM System can help improve functionality, user
experience, and security, ensuring the platform remains relevant, competitive, and responsive
to evolving user needs and technology. Here are some potential future enhancements:

1. Enhanced Security Measures

 Biometric Authentication: Expanded use of biometrics like facial recognition,

voice recognition, and palm scans for added security.
 AI-Based Fraud Detection: Implement AI and machine learning models to
detect unusual activity and prevent fraud in real-time.
 Tokenization and Digital Wallet Support: Use tokenization for transactions to
enhance security and compatibility with digital wallets (e.g., Apple Pay, Google
Wallet).

2 . Advanced Analytics and Personalized Services

 Spending Analytics: Provide users with spending patterns, savings goals,

and personalized financial advice based on their transaction history.
 Personalized Offers: Offer users personalized deals, rewards, and promotions based
on their spending habits.
 Proactive Alerts: Smart alerts that notify users of low balances, upcoming
payments, or budget overruns based on their financial trends.

3 . Voice Command Features

 Voice-Activated Transactions: Integration of voice assistants for hands-free

transaction execution, such as balance inquiries, transfers, and bill payments.
 Conversational Banking: AI-driven chatbots and voice bots for more
natural interactions.

5 . Improved User Experience

 Personalized Dashboard: Offer customizable user dashboards, allowing users

to prioritize functions and set shortcuts for frequently used features.
 Gamification Elements: Introduce rewards, achievements, and other
gamification techniques to encourage savings or other desired user behaviors.
 Improved Accessibility Features: Enhanced features to make the system more
inclusive (e.g., better text-to-speech support, customizable display settings).

6 . AI and Machine Learning-Based Assistance

 Smart Financial Assistant: An AI-driven assistant that offers personalized

recommendations for saving, investing, and budgeting based on user goals
and historical data.

36
 Predictive Transaction Capabilities: AI-based predictions of recurring
transactions, helping users budget and plan more effectively.

7 . Remote Assistance and Troubleshooting

 Virtual Customer Service Representatives: Real-time video or AR-based virtual

assistants to guide users through transactions or troubleshoot issues.
 Augmented Reality (AR) Tutorials: AR-enabled tutorials for complex
processes such as managing loans or setting up new accounts.

8 . Enhanced Fund Transfer Options

 Cross-Border Transfers: Integrate seamless international transfer services with

competitive exchange rates and low fees.
 Peer-to-Peer (P2P) Transfers: Enhanced real-time peer-to-peer transfers, possibly
through QR codes or NFC capabilities.

9 . Open Banking Integration

 API Integration: Provide open APIs for integration with third-party apps and
services, expanding the utility of the system.
 Account Aggregation: Allow users to view and manage all their financial
accounts from different banks through a single platform.

10 . Mobile App Enhancements

 Offline Functionality: Provide limited functionality for mobile transactions

without internet access.
 Geo-Fencing Features: Customized notifications or features when users are near
a partner bank ATM or branch.

11 . Customizable Alerts and Notifications

 Advanced notification settings, including SMS, email, push notifications, and in-app
alerts, tailored to individual preferences.

12 . Multi-Currency Support

 Currency Conversion Services: Real-time currency exchange and the ability to

hold multi-currency balances for international travel or business.

13 . Sustainable Banking Initiatives

 Eco-Friendly Operations: Promote green banking options such as paperless

receipts, carbon tracking, and rewards for eco-friendly spending.

14 . Integration with IoT Devices

 Support integration with wearable devices (e.g., smartwatches) for quick

transactions, alerts, and balance checks.

37
 CHAPTER 7 : CONCLUSIONS
The development and implementation of an Online ATM System marks a significant step
forward in enhancing the accessibility, security, and convenience of banking services. This
system extends traditional ATM capabilities into an online platform, offering a seamless
experience for users to manage their financial transactions efficiently. Here are the key
conclusions drawn from the development of an online ATM system:

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CHAPTER 8 : BIBLOGRAPHY

1 . Books

Laudon, Kenneth C., and Jane P. Laudon. "Management Information Systems:

Managing the Digital Firm." Pearson, 2019.

2 . Articles and Journal

1. Smith, John. “Online Banking Security: Trends and Innovations.” Journal of Banking
and Finance, vol. 45, no. 3, 2020, pp. 233–246.
2. Kumar, R. “User Authentication Mechanisms for Online Banking Systems.”
International Journal of Information Security Research, 2019.

3. Websites and Online Sources

1. Federal Financial Institutions Examination Council (FFIEC). "Authentication and

Access to Financial Institution Services and Systems." www.ffiec.gov
2. National Institute of Standards and Technology (NIST). "Digital
Identity Guidelines." www.nist.gov
3. Bankrate. "The Evolution of Online and Mobile Banking." www.bankrate.com

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