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International Arab Journal of e-Technology, Vol. 1, No. 3, January 2010
79
Push Pull Services Offering SMS Based
m-Banking System in Context of Bangladesh
1
Fouzia Mousumi1 and Subrun Jamil2
Computer Science and Engineering, University of Chittagong, Bangladesh.
2
Chittagong Online Limited, Chittagong, Bangladesh.
Abstract m-Banking technology has become one of the most familiar banking features throughout the world. Nowadays
millions of inhabitants of Bangladesh are within a network through mobile network coverage. But in the commercial sectors
like banking, m-Commerce technology has not been adopted broadly yet. In context of Bangladesh where almost 95% of
geographical areas including Chittagong Hill tract region is under cellular coverage and having insufficiency in Internet
infrastructure in remote regions, m-Banking via mobile phones can be the right choice for the promising banking sector.
Considering m-Commerce and m-Banking perspective in Bangladesh, a Push Pull services offering SMS (Short Messaging
Service) based m-Banking system has been proposed which is able to provide several essential banking services only by
sending SMS to bank server from any remote location. This proposed system is divided into five major phases: Interfacing
Module, SMS Technology Adoption Module, SMS Banking Registration Module, Push Pull m-Banking Services Generation
Module, and Modified Data Failover Module. This push-pull services specified system facilitates bank customers by carrying
out real time m-Banking utilities by categorizing services into five major on the basis of their homogeneity. They are
Broadcast, Scheduling, Event, Enquiry and m-Commerce services. Fifteen push pull services underlying these categories are
implemented in this proposed system which are most desired to customers. The proposed system not only brings banking
transaction in hand’s grip but also makes it easier, robust and flexible with highest security. Moreover,...