phương án xây dựng website (internetbanking) cung cấp dịch vụ thanh toán của ngân hàng GPBank e

phương án xây dựng website (Internetbanking) cung cấp dịch vụ toán Ngân hàng GPBank the plan to build a website (Internetbanking) provides payment services of GPBank (Global Petroleum Commercial Joint Stock Bank) About enterprise Global Petroleum Commercial Joint Stock Bank (GPBank) formerly Rural Bank Ltd Ninh Binh (established in 1995) was officially paradigm shift from the Rural Bank to Bank cities from / 11 / 2005 Currently GPBank capital of 3017 billion, with more than 2,000 employees and 200 Main branches / transaction offices nationwide GPBank strategic shareholders that the Vietnam Oil and Gas Group (Petrovietnam) - is one of the most powerful corporations in Vietnam with capital contribution of 20% GPBank with the executive leadership team of young, dynamic, more experience with Bank operations management on financial markets - domestic and international currency GPBank Bank is one of the first successful implementation of core banking software system (Core Banking) of the Swiss company Temenos from R5 to R9 in 2010, this software allows the Bank to develop a variety of products modern services and improve service quality 2.Situation Today, the purchase of goods and services online, online payment increasingly focused on the development and dissemination previous situation, the Bank has promoted research and application of information technology, e-commerce to meet the needs of customers GPBank is now operating in the banking sector Therefore, information systems, electronic commerce, information technology development to be more and more attention to meet the increasing demand of customers, thereby expanding the products and services, attract the new customers, especially young customers know how to use the Internet a lot of potential Now GPBank has built software systems Bank initially meet the needs of current and future development GPBank full range of products to meet the needs of customers, from dealing directly with the bank to use the trading system through the Internet provided by GPBank: ib.gpbank.com.vn Compared with the Bank in the country, GPBank with banks such as: Techcombank, VP, Mbank is considered one of the Bank with information technology systems, file systems, e-commerce development 3.Analysis SOWT (related to IT, file systems, e-commerce) To combat force for the development of information technology, information systems, e-commerce, IT department has analyzed the strengths, weaknesses, challenges, and opportunities of GPBank from which to build a strategy a scientific basis to the Board for approval Opportunities Threats - Subject to intense competition from SWOT matrix - Demand for payment of products domestic and international competitors and services growing network - Quality of service requirements of - There are many products, many customers increasing companies selling online and accept - Highly confidential information The payments online theft of customer information and e- - Chi Government encourages commerce fraud increasingly Strengths - There is a system advanced modern mattress, there are many products and services, high security Compatible with all internet browsers Strategy Strategy Use strengths to take advantage of Leveraging strengths to overcome opportunities opponents Strategy Strategy - There prestigious domestic and international - Have staff experienced staff, highly qualified, enthusiastic - Transactions friendly, easy to use, can be done anytime, anywhere Weaknesses - The promotion of the product to the customer is limited, and online payment habits are quite new to the Vietnamese people Restrict to take advantage of the Minimize the weaknesses to compete weaknesses with rivals - The value of the transaction is limited (High trading limit, and low trading limit) - The verification of information when errors take longer - Currently only payment with domestic enterprises 4.Compared with three competitors in the same industry I'm compare GPBank with three banks and service providers is VPBank, VietABank, and Techocombank (Resources: ib.gpbank.com.vn) (Resources: i2b.vpb.com.vn) (Resources:vietabank.com.vn) (Resources: ib.techcombank.com.vn) Basically the banks are relatively similar products, user-friendly Web interface, easy to remember, easy to use, especially highly confidential information Website of GPBank compared with competitors is relatively boring, little information is provided to the customer, while the website of the Bank other than the conveyor update the new information of the Bank, customers are level financial information, banking, politics going on 5.Analysis of experiences, lessons learned from other companies inside and outside the country The application of information technology in banking activities are essential, but requires banks always face great risks as: stealing information technology, card counterfeiting, stealing passwords are becoming more sophisticated To overcome the limitations in technology, banks are actively implementing systems to support risk management card transaction, as the transaction via SMS message, the system warns of suspicious transactions fake In addition, the Bank also provides staff, Controller regularly change the password to the system making the transfers, withdrawals and not providing your password to others to use When online money transfer service provider, the risk will be great if exploited by hackers The fix is to hire an independent security organizations such as Bkis survey the entire system to detect and fill the security holes before providing services In addition, the Bank is planning to deploy the application of digital signatures to ensure the safety of electronic banking transactions Learn IT application solutions in the banking sector Depending on the particular stage that measures and "dosage" match to deliver high performance One of the measures is to raise social awareness of the people and for the use of ICT in the Bank as well as the utility of banking services; improve the legal environment on IT Banking is a sector that requires indicators should be top priority safety standards on the bank next to the applications quickly with low costs, the security is very important The promulgation of the legal framework for the application of IT can cover the entire life cycle of information systems from the construction project until safe disposal system For the current security and safety issues, in addition to the development of systems to boldly raised the standard of IT applications asymptotic with international practices, promulgating standards for IT information in budget to ensure safety; raise the efficiency of state management on IT, issuing normative adjustment problems that arise in the process of IT application, testing and timely action is compliance, risk-oriented testing Besides, the need to develop IT resources, high-tech human resources in the banking sector, organizations and programs of cooperation with foreign countries in the training of human resources and in itself each project Organization-wide training, training schools and training system in the form of online ensures fast speed and range to meet the needs of rapid deployment activities developing IT applications in banking In the current period, should review and final evaluation stages 10 years of IT development in order to provide direction for the better use of ICT from the application of the width to the development and application of vertical depth based on the new technology IT applications and e-commerce strategy in the Bank Workshop "Infrastructure Optimization technology - diverse banking services", held in Hanoi from 24 - 25/05/2011, emphasized IT is one of the key tasks for modern the banking system in Vietnam The application of information technology in the bank's activities in recent years have created favorable conditions for citizens, investors access to products, advanced banking services ATM system as well as the account number of the people in the banking system increased sharply Bank cards has become a popular means of payment, common to all customers Up to now, the number of cards issued nearly 34 million, more than 47 issuers and over 240 card brand, including debit cards accounted for 95%, accounting for 1.98% of credit card In addition to services such as cash withdrawal, transfer, some banks also developed many other added utilities on the card as payment of electricity, water, telecommunications, insurance, etc contribute habits and awareness of people about the new means of payment However, according to research by the Institute of Banking Strategy, compared to other countries in the region and the world, the level of access to banking services in Vietnam is still low: As of 2010, the system of credit institutions rate of 3.72 / 100,000 According to Bui Quang Tien, Director of Billing State Bank of Vietnam, there are many reasons for this situation, but the biggest reason is due to the technical infrastructure for e-payment development activities not synchronized, the new concentrated in cities, urban areas, not to equip the rural and mountainous areas Operation of quality infrastructure system overall information technology infrastructure and telecommunications billing service is not guaranteed, did not meet the rising demand for payment activities in the economy In addition, the media, the new electronic payment services are now generally incomplete, narrow range, has not been implemented on a large scale to meet the payment demand in the economy The above fact has set out requirements for credit institutions to expand access to banking services, including information technology has a crucial role To that, the goals set requirements on the optimal deployment of infrastructure technology, diversification of banking services with the aim of supporting the banks to improve competitiveness, leverage effective human resources , simplify administrative procedures, changes in business methods and enhance the quality of services, expand modern electronic communication channel between customers and banks, such as ATM, POS, Home Banking Since this Ordinance to banks, credit institutions system has achieved great development, including in terms of capital, the quantity and quality of service However, if compared with other countries in the region and the world, the level of access to banking services in Vietnam is still low This fact poses requirements for banks to expand access to banking services with a lot of solutions, including IT will play the role of "core" and the appropriate technology investment, advanced is the decisive factor in the development of services in banking activities as well as expand access to banking services MR.Bui Quang Tien, - Payment Department SBV give an opinion: To enhance the application of information technology and communication to develop new electronic payment methods State should have preferential policies on loans to businesses made investment in infrastructure development, application software for the development of new electronic payment methods; besides, commercial banks to promote technology development, software compatible to the development of new payment methods Doing so will create conditions for sustainable development banks than through diversification of services, maximize benefits and build distinct competitive advantage 8.Action plan and specific goals 8.1 Action Plan On the basis of the plan was launched, building IT department specific projects, deployment time, number of employees and the efficiency is expected to put software in use as follows: Purchase of software: $ 5,000,000 (Equivalent: 105.000.000.000 VND) System hardware cost: $ 500,000 (Equivalent: 10.500.000.000 VND) Expected Duration: 12 months, including 10 months of deployed software and systems integration, test 02 The number of employees expected: 30 The average cost of maintaining the system: $ 250,000 / year (Equivalent: 5.250.000.000 VND) Cost the average staff salary: $ 200,000 / year (Equivalent: 4.200.000.000 VND) Purchase transactions: 3,300 VND / transactions No internal transaction charges After 12 months in operation, the number of people using the service and expected revenue as follows: The cost of buying software and hardware originally planned depreciation Bank for 10 years Equivalent to 11.550.000.000 VND / year The system includes the following modules: Query module accounts Deposit Module Module loan Module internal payment Inter-bank payment module Payment systems access the website: ib.gpbank.com.vn 8.2 Details revenue, annual profits as follows: PROJECT TABLE OF REVENUE, PROFITS Unit: VND Sequence number Target The number of users is Year Year Year Year Year Year Year Year expected to Net transaction fees 400,000 450,000 500,000 550,000 600,000 650,000 700,000 750,000 (excluding 10% VAT) 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 12 12 12 12 12 12 12 12 The average number of transactions of people / year Total fees collected The average annual 14,400,000,000 16,200,000,000 18,000,000,000 19,800,000,000 21,600,000,000 23,400,000,000 25,200,000,000 27,000,000,000 cost 9,450,000,000 9,450,000,000 9,450,000,000 9,450,000,000 9,450,000,000 9,450,000,000 9,450,000,000 9,450,000,000 Average annual profit 4,950,000,000 6,750,000,000 8,550,000,000 10,350,000,000 12,150,000,000 13,950,000,000 15,750,000,000 17,550,000,000 The annual depreciation 11,550,000,000 11,550,000,000 11,550,000,000 11,550,000,000 11,550,000,000 11,550,000,000 11,550,000,000 11,550,000,000 Profit before tax (6,600,000,000) (4,800,000,000) (3,000,000,000) (1,200,000,000) 600,000,000 2,400,000,000 4,200,000,000 6,000,000,000 Thus, after four years of planning went into operation, the business started with interest So, when the number of service users increased and the average number of transactions increases, the Bank can apply accelerated depreciation methods for early withdrawal of funds to continue research, investment in open systems Conclusion: Strong penetration of information technology, electronics and telecommunications in the banking and finance industry has created a variety of products and services with high technological content, including e-banking services This is a type of banking services was conceived and developed in a number of countries around the world since 1995, this service was in Vietnam recently appeared a few years in a number of commercial banks (commercial banks) New, but electronic banking services have attracted the attention of commercial banks, as well as by customer convenience, fast, capable of serving any time, any place extremely convenient it Today, the Bank considered information systems, e-commerce, our role remains, is to compete on factors for International and domestic markets, the application of information systems, e-commerce help for the Bank to expand the market from which to improve management efficiency, revenues and profits for the References System Administration curriculum areas - Dr Nguyen Van Thoan – PGSM www.gpbank.com.vn www.techcombank.com.vn www.vietabank.com.vn Internal documents of GPBank bank  ... activities in the economy In addition, the media, the new electronic payment services are now generally incomplete, narrow range, has not been implemented on a large scale to meet the payment demand... is limited, and online payment habits are quite new to the Vietnamese people Restrict to take advantage of the Minimize the weaknesses to compete weaknesses with rivals - The value of the transaction... payment module Payment systems access the website: ib .gpbank. com.vn 8.2 Details revenue, annual profits as follows: PROJECT TABLE OF REVENUE, PROFITS Unit: VND Sequence number Target The number