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Main objective is to provide good interaction & communication facilities between customers & Administrator. Online banking has been designed to online the back office activities of bank and finance company which offers any type of loan., Administrator manage customer information database more efficiently, Loan details , maintain loan type and interest rate information. Admin can use calculator to give exact payable loan amount for the customer & generate all these work info as a report of each customers.
Login: Admin, Users can login with username and password. One Time Password use security process.
The customer - seeking the loan and information related loans. They can view an interest rate and the loan type in the system. They can apply loan application using the systemto get loan and track their profile details from online after given the loan. User can register with the basic information like User name, Mobile no, email id etc. User can login the system with his username and Password. They can view their information & details such as customer name, address, contact no, bank account no, pan no, email id, etc.
Loan transaction module includes Loan Type, Customer, Issuing Loan, Receive payments. The System Administrator can able to add, modify loan type like Home Loan, Gold Loan, Personal Loan of customer and can modify the interest rate. One customer can have more than one loan, System generate unique loan no. Admin can add, modify loan details like loan type, loan amount, tenure, mortgage details, guarantor details.
A query module give information for particular customer, Customer user can search information by entering customer ID. It displays details like No of payment, date ,Late fine charge if any etc.
Here the existing system is a manual that doesn't maintain details with proper security and can’t track details easily. It doesn’t allow the customer to check their profile in proper way which leads customer dissatisfaction. Does not provide option to download loan from Existing system doesn’t contains functionalities of fast retrieval information such as customer details and maintenance of all the loan details so it involves lots of paperwork.
Customer can apply for a loan and after approved it they can track their details from online. This system provides detail about the customers, their loan details, its rate details. Using with this system admin can find customer easily and it’s a paperless system so workload is reduced. The decision process becomes faster and more consistent After registration and login customer can use the system easily and also customer can view any query about loan details in their profile. So this system saves time. Provides good communication for the customer.