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Dutch Bangla Bank Mobile Banking

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Letter of Transmittal
April………………

Department of Accounting
Rangpur Government College

Subject: Submission of the Term Paper.

Dear Sir.
I am pleased to inform you that I have completed the Term Paper on Dutch Bangla Bank Mobile Banking. I am in high spirits that now I can present it. Though due to shortage of time I face some difficulties to complete this report properly but I have tried my level best.

I, therefore, hope and pray that my report would quench your thirst and will leave up to your satisfaction.

Sincerely,
Mintu Kumar Roy
Roll:9585570
Reg;1567512
Department of Accounting
Rangpur Government College, Rangpur

All admiration and praises are solely to “Almighty Allah” whose mercy absolutely enabled to us to pursue the study under the supervision of eminent teachers and complete the Term paper work successfully.
The authors expresses his abysmal respect and deepest sense of gratitude and heartfelt thanks to their most reverend teacher and Term paper supervisor Joynal Abedin; Lecturer, Department of Accounting, Rangpur Government College, for his efficient guidance, keen interest, timely instruction, valuable advice and continuous encouragement throughout the Term paper work and completion of this Term paper.
Special thanks are also extended to the employee of our selected organization and whose valuable opinion helped me to complete the analysis of the Term paper.
I also acknowledge the co- operation of my friend, Md. Aftab Hossain and Manik Chandra Roy. I am very much grateful to them for spending their valuable time.
Finally I acknowledge that there might remain some unintentional errors in spite of my best effort to reduce errors and mistakes. Mintu Kumar Roy Department of Accounting
Rangpur Govt. College, Rangpur
.

Executive Summery

Mobile Banking is a Banking process without bank branch which provides financial service to UN banked community effectively and at affordable cost. To provide banking and financial services through Mobile technology devices e mobile phone called Mobile Banking.
The increasing convergence of mobile technologies and the Internet is rapidly giving way to mobile data services among various MDSs, m-banking can add more value than other services M-banking is defined as provision and availability of banking services with the help of mobile telecommunication devices such as mobile phones Typical functions include viewing account balances, transferring funds from one account to another, receiving alerts and paying bills. However, m-banking cannot support all banking functions. For instance, cash can only be withdrawn at physical branches or at automated teller machines (ATMs). M- Banking is generally viewed as a channel that is more flexible and ubiquitous than the existing banking channels. It has the potential to transform banking and telecom sectors. It increases revenue for mobile service providers and saves cost for banks by offering self-services to users. Further, it provides exciting possibilities to increase remittance flows through banks, and include the poor and un-banked to the banking net. Interest about m-banking is growing among practitioners and researchers alike. In an increasingly competitive banking market, managers are interested in improving understanding of user acceptance of technology-mediated m-banking it is a quite popular method of banking that fits in well with a busy, technologically oriented lifestyle.
Mobile banking (also known as M-Banking, m-banking, SMS Banking) is a term used for performing balance checks, account transactions, payments, credit applications and other banking transactions through a mobile device such as a mobile phone or Personal Digital Assistant (PDA). The earliest mobile banking services were offered over SMS. With the introduction of the first primitive smart phones with WAP support enabling the use of the mobile web in 1999, the first European banks started to offer mobile banking on this platform to their customers.

Methodology
The study has been done mainly based on primary and secondary sources of data or information. The first is an exploratory research based on secondary data obtained through the Net, books and related journals. Secondly, survey questionnaire was administered to empirically assess the level of adoption of m-banking in Bangladesh including different publications: (i) Bangladesh Institution of Bank Management (ii) Bank for International Standard Working (iii) Papers International and local Publications (iv) Different seminar papers (v) Information from Internet

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