1.

0 Introduction
1.1 Origin and Background of the Report This report is being assigned as a part of the Degree BBA 499A, (Internship). To prepare this report under the state of Universitys requirement, I accommodate my internship program in Standard Chartered Bank. For the completion of the course, as an essential part I had prepared Report. This report is being formed on the most vital issue which is Customer Tracking and Product selection process. At the very beginning of my internship I have studied different functional departments of the organization. By going through all the departments I have chosen the solution delivery department for my study and analysis.

1.2 Objective of the Study The objective of my study can be divided into two segments. These are given below: 1.2.1 Primary Objective The primary objective of this report is to meet the requirements of the course, BBA 499A, Internship. 1.2.2 Secondary Objective The secondary objectives are: To analyze the present system of Solution Delivery Department in Standard Chartered Bank, basically to find out the effectiveness of the current system. To identify the problems (if any). Finding out the possible solutions to eliminate the problems. And most of all to gain a life time experience by working as an intern and achieving knowledge.

2.0 Introducing the Organization

2.1 Background of the Company

Standard Chartered Bank leading the way in Asia, Africa And the Middle East
Standard Chartered is one of the world's largest international banks, employing over 40,000 people, representing 80 nationalities, across its network. Standard Chartered operates in over 1,200 locations (including subsidiaries, associates and joint ventures) in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, the United Kingdom and the Americas.

Standard Chartered PLC is listed on both the London Stock Exchange and the Stock Exchange of Hong Kong and is in the top 25 FTSE-100 companies, by the market capitalizations. It serves both Consumer and Wholesale Banking customers. Consumer Banking provides credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium sized enterprises. Wholesale Banking provides corporate and institutional clients with services in trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. Standard Chartered is well-established in growth markets and aims to be the right partner for its customers. The Bank combines deep local knowledge with global capability. The Bank is trusted across its network for its standard of governance and corporate responsibility as well as its commitment to making a difference in the communities in which it operates.

2.2 A brief History of Standard Chartered Bank Bank opened its first brunch in Brunei Darussalam in 1958. And now it has being awarded the industrys first ISO 9002 in the country. Standard Chartered Bank is an international Bank, with particular focus on activities in Asia, Africa, The Middle East and Latin America. The Bank has a network of 740 brunches in over 55 countries. Its aim is to provide innovative products, supported by quality deliver system and customer service. Bank also boasts a corporate responsibility that gives back to the community in which it operates. Amongst the top priorities are youth resulted projects, as well as those supporting health and childcare. As a financial solution provider, Bank offers a wide range of products and services to a broad customer base in Brunei Darussalam.

2.3 Corporate Responsibility At Standard Chartered bank they recognize that, they have an impact on the economies, communities and on the environment in which we operate and a responsibility to address this impact. They also identify that through their business activities they can contribute to sustainable development. Climate Change, selling our products responsibly, tough economic or political conditions are just some of the environmental and social issues faced by an international bank like this Standard Chartered. They also believe that by facing up to challenges such as these and by addressing them as part of our everyday business life we can make our brand stand out from the competitors.

These Corporate approaches are being continued from the year 2004 and till today. This part of our approach to Corporate Responsibility, our policies and describes spread responsible business practices throughout the bank.

Business Structure

Treasury

Institutional

Commercial

Corporate

Quasi. Govt.

Local

Multinational

Figure-1 : Business Structure

2.4 Organization Profile In the below table the Organization profile is being given in short:

Organization Profile
1. Organization Name 2. Establishment of The Bank 3. First Location of the Bank 4. Address of Head Office Brunei Darussalam Ground Floor, Unit 1&2, Simpang 570, Jalan Tutong, Bunut, Brunei Darussalam BF1320. 5. Telephone Number 6. Total Brunch Number 7. Total Staff Number +673 2651774 600 offices in more than 50 countries A staff of about 28000 people managing assets worth 47.65 billion 8. Establishment In Bangladesh 1948 including ANZ Grindlays experience; Standard Chartered Bank. 1958

Standard Chartered Bank originally established its first branch in Chittagong

9. Address of Head Office Bangladesh 10. Phone Number of Head Office Bangladesh 11. Website Address 12. E-mail

Hadi Mansion 2nd Dilkusha Commercial Area Dhaka-1000, Bangladesh +8802 955 5171 www.standardchartered.com [email protected]

2.5 Market Growth Standard Chartered provides domestic and international issuers with

customized local and G3 currency debt financing solutions through Origination, Sales and Trading teams located in 18 centers across the world. Utilizing a range of capital market instruments including Fixed and Floating Rate Notes, Variable Rate Notes, Medium Term Notes and MTN programs, Commercial Paper, Certificates of Deposit and Bills of Exchange, the bank provide clients with a wide range of capital raising alternatives. The Bank has established a strong track record in the Asian bond markets, leveraging on our strengths in local and G3 currency bond issuance. Combining in-depth understanding of the domestic debt markets with product expertise and a wide geographic reach, Standard Chartered will work with their Clients to customize the most effective capital markets solutions and provide strategies to achieve for the financing and investment objectives. The local and G3 currency capabilities are backed by effective marketing and distribution in both onshore and offshore markets, and we provide strong research and after-market trading support for every transaction.

2.5.6 SCBs Global operating regions

The Standard Chartered group is operating in 48 countries in various extents. These countries are grouped into 5 regions based on their location and core business focuses. Africa: (Includes 11 countries) Botswana, Cameroon, Gambia, Ghana, Kenya, Sierra Leone, South Africa, Tanzania, Uganda, Zambia, and Zimbabwe. Asia Pacific: (Includes 17 countries) Australia, Brunei Darussalam, Cambodia, China, Hong Kong, Indonesia, Japan, Laos, Macao, Malaysia, Myanmar, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam.

Latin America: (Includes 6 countries) Argentina, Brazil, Colombia, Mexico, Peru, and Venezuela. Middle East and South Asia: (Includes 10 countries) Bahrain, Bangladesh, India, Iran, Nepal, Oman, Pakistan, Qatar, Sri Lanka and United Arab Emirates. UK & USA: (Includes 4 countries) Falkland Islands, Jersey, United Kingdom and United States of America.

2.5.4 Standard Chartered Bank in Bangladesh The Chartered Bank started operating in Bangladesh in 1948, opening a branch in Chittagong. The branch was opened mainly to facilitate the post-war reestablishment and expansion of South and Southeast Asia. The Chartered Bank opened another branch in Dhaka in 1966, where it is still headquartered. After the merger of the Chartered Bank with the Standard Bank in 1969, the Standard Chartered Bank took up a program of expansion. It increasingly

invested in people; technology and premises as its business grew in relation to the country's economy. In 1993, there was an organizational re-structuring,

which led to a substantial expansion of the Bank's business. Today the bank has in total four branches in Dhaka apart from the Chittagong branch, including an offshore branch at the Savar Export Processing Zone. Bangladesh is under the Middle East and South Asia (MESA) region, with the controlling office in Dubai. Its correspondent relationship with Sonali Bank, the largest bank in Bangladesh, gives its customers access to all major centers in the country. Standard Chartered Bank's worldwide network facilitates convenient connections with foreign trade and remittance business. Standard Chartered Bank's branch banking license in Bangladesh allows it to offer a full range of banking services. At present the Bank has ten branches in Dhaka, it also have one offshore banking unit inside the Dhaka Export Processing Zone at Savar, one branch in

Narayanganj, three branches in Chittagong, one branch in Khulna, one branch in Sylhet, one branch in Bogra. In the year 1999, Standard Chartered has acquired the operation of Grindlays Bank in the Middle East and South East Asian countries. Former Grindlays Bank started its journey in Bangladesh in 1905 under the name of Grindlays Bank (when it forbears the National Bank of India opened in Chittogong). Standard Chartered Bank took-over the operation of ANZ Grindlays Bank in Bangladesh as a part of acquisition of the South East Asian and Middle East operation of the Australia and New Zealand Banking Group. SCB with its 18 branches and booths across Bangladesh has employed more than 600 people. The acquisition of ANZ has enabled Standard Chartered Bank (SCB) to access 500,000 new customer and 40 branches in India, and this made them one of the biggest banks in this region and of in Bangladesh it is the largest foreign bank. After acquisition, Grindlays Bank is a part of Standard Chartered Group. The Bank presently has 18 outlets in 5 cities serving over 1,25,000 customers in the country. The network of SCB Bank in Bangladesh includes:

10 Branches in Dhaka city 1 Branch in Savar EPZ (recently started with full banking operations) 1 Branch in Narayanganj 3 Branches in Chittagong 1 Branch in Khulna 1 Branch in Sylhet. 1 Branch in Bogra

2.6 Standard Chartered Today Standard Chartered employs 38,000 people in 950 locations in more than 50 countries in the Asia Pacific Region, South Asia, the Middle East, Africa, the United Kingdom and the Americas. Standard Chartered is one of the world's most international banks, with employees representing 80 nationalities.

Standard Chartered PLC is listed on both the London Stock Exchange and the Stock Exchange of Hong Kong and is in the top 25 FTSE-100 companies, by market capitalization. The most recent news is this that the Bank is in the process to move forward into a bigger strategic breakthrough. By Establishing this plan will change total Banks functional structure. As previously the bank was having their structure like corporate brunch and consumer banking. But for implying this new strategy the Bank is having this new sector called the Transaction Banking. And the major change is that like all the other banks the liability or the assets sector wont be separated. These two major sectors will merge. By changing this major strategy the bank is making a revolution within the baking sector in Bangladesh and the rest of the World. Standard Chartered is well-established in growth markets and aims to be the right partner for its customers. The Bank combines deep local knowledge with global capability. The Bank is trusted across its network for its standard of governance and its commitment to making a difference in the communities in which it operates.

3.0 Consumer and Corporate Banking Service The bank serves both Consumer and Wholesale Banking focustomers or corporate. A list of Consumer and Corporate Banking is given below:

Serial No 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Services Banking provides credit cards, personal ATM Brunch Office Remote Brunches Call Center Card Center Cards Help line Cash Offline Consumer Banking Corporate investor relational contracts Credit Card service Personal Banking Offsite ATM Off Shore Banking Personal banking Treasury Room Phone Banking International Banking loans, mortgages, deposit taking and wealth management services to

individuals and small to medium sized enterprises. Wholesale Banking

provides corporate and institutional clients with services in trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. In the following the corporate products descriptions are given:

Product Description
Serial

Product Description Name Web Banking Online service; where a corporate customer can check his current account balance updated in every half-anhour. This is very convenient as a customer can have opportunity to hold multiple accounts and at same time they can get the cash report trade report and everyday transaction detailed report.

Total Customer 102

STS

Straight through service. This is an upgraded version of E-Banking, with more facilities. This is still in the process for developing

1 (On trail)

E-Banking

By having high security off-line banking system a customer can transfer money round the clock and standing any parts of the world.

29

Cheaque Writer

Making sure that all the cheaque is being pre-formed and serially numbered, a corporate customer now having a better security checking in terms of issuing cheaques.

104

3.1 Foreign Exchange Products and Services Money Market Products Interest Rate and Cross Currency Derivatives Foreign Exchange, Forwards and Swaps Money Market Funds Online Electronic Trading Services Global FX and Economic Research

4.0 Rationale of selecting Standard Chartered Bank

Advanced technology and skilled workforce become the most essential elements to go ahead with the competitors in todays dynamic Banking Business World. It seams like that the Technology advancement is emerging immensely in every corner of the world. It has become very difficult to stay in the competitive market without remaining update with the new technological inventions, which are ensuring competitive advantages over other organization. Other like the whole world Banking industry in Bangladesh is also became highly competitive. Let alone the world only in Bangladesh there are about 4 Government Banks, 2 SemiGovernment Banks and about 50 Private Banks. This area of business provokes no less interest than others and Standard Chartered Bank is perceived to be one who is going ahead with tremendous growth rate over the centuries. Apparently this organization runs very smoothly, but since the purpose of my internship report is to search process-oriented problems, the rationale of picking this organization is, to see the changing processes, to see the efficiency of the particular processes, and analyze whether any new technology can be implemented in the on going system and generate documents. 4.1 Commitment to and from Standard Chartered Bank There has been mutual commitment resulted a pseudo fiduciary relationship between me and Standard Chartered Bank management that all the information obtained would solely focus on the internship project and other parties will never enter in the scenario. The management promised all necessary documents and allowed access to all required software and processes. I was introduced to the staffs related with Sales and Distribution in Standard Chartered Bank so that the flow of information is not hampered during the project.

5.0 Organizational Hierarchy Structure

Organ gram of Standard Chartered Bank CEO

Head of IT Head of Credits

Head of Consumer

Chief Finance Officer

Chief Operating Officer

Head of HR

Head of Service Delivery Head of Corporate Affaires

Head of GSM

Head of Global Market

Head of CR

Multinationals MNE (Assets)

Head of Transaction Banking (Liability)

Large Local (Assets)

Local (Assets)

Head of Products

Head of Supply Chain

Head of Solution Delivery

Direct Report (BDM-Business Development mgt.)

Assistant Manager of Supply Chain

Assistant Manager of Solution Delivery

5.1 My Work Area Cash management Department Standard Chartered is highly recognized as a leading cash management supplier across the emerging markets. Our Cash Management Services cover local and cross border payments, collections, information management, account services and liquidity management for both corporate and institutional customers. Some Features are given below:

Manage the availability of clients funds efficiently Monitor and control the movement of funds

Settle payments to clients suppliers in a timely and cost-effective manner. Capture every investment opportunity to increase your income Here from this above Organogram we can analyze my work area. If we

just follow the blue colored box then Under the Solution Delivery Manager I started my work. This department is particularly being responsible for

delivering products and gives services to its customer. And give up-to date information to the management department. 5.2 Applied Fact Finding Techniques For gathering necessary information and understand the system I have applied several fact finding techniques at different point of time whenever I need to require information. The mechanisms or techniques used in this project are, Interviewing Observing Document Reviewing Questionnaire Survey (In a limited Basis) The process of applying these techniques are describes on the following sections. 5.3 Interview Interviews are much more productive than any other techniques applied to understand a system. It provides face-to-face communication and gathering of sample data. The interviews were conducted at transaction banking, Head Office, Bangladesh. Several interviews took place at different times through the internship periods. As it was my workplace so arranging an interview at any convenient time was possible without any appointment. Most often the interviews were conducted between the times 10:00 am to 3:00 am and 5:00 pm to 3:00 pm. These interviews were arranged with the Sales Solution Delivery

Manager, Assistant Manager of Solution Delivery Department, *** Department IT

and ** of HRD. Here is an interview agenda given that I have used during the interview with the Solution Delivery Manager. Interviewee: Mohammad Shoeb Ali, Solution Delivery Manager Subject: Analysis of the three categories of Products Time and Date: 2.00 to 2:45 pm, February, 2006 Duration: 50 minutes (App.) Venue: Solution Delivery Managers Cabin, Head Office, Standard Chartered Bank. Questions: 1. A brief Idea about the Products and its uses? 2. What type of customer uses these products? 3. How do you Track Customers? 4. Do you conduct any analysis on the information? 5. What types of routine instructions do you usually gives on the basis of daily customer requirements? 6. What information helps you in this case? 7. Whom do you give all these instructions? 8. Do you generate any further report on the basis of daily sales information? 9. How do you compare the actual sale with the target? 10.What do you do when you need any instant sales information? 11. What type of strategic decisions do you make? 12.Briefly narrate the understandings. 13. Any further queries from both sides. 14. Thank you session. 5.4 Observation 2 min 4 min 5 min 5 min 4 min 2 min 1 min 4 min 3 min 2 min Estimated Time 4 min 4 min 3 min 3 min

Through observation analysts I was able to obtained firsthand information about how the activities are carrying out. While observing I have got the idea about how the different processes are carried out, how documents are handled, whether any specific activity creates any problems in the smooth dataflow through the organization. Because observation is, A critical view into the actions gestures, body language, technical efficacy and attitude that leads to a process definition, compilation and adroit execution of organizational standards. Observation took place at the Transaction Banking Solution Delivery Department (1st Floor) and also the HR Department (2nd Floor) of Head Office of Standard Chartered Bank. I had the opportunity of observing during the peak period of sales that is at the month of February and March. Thats why it was easy to understand the whole process and to identify the problems. Generally the observations took place at Head Office after 2:00 pm. Here is a sample observation plan of sales reporting system from the bank.

Sample Observation Plan

Who (The role): Solution delivery Manager (1), Computer Operators (2) What (The process): Making the contract for setting up the justified products (Products can be multiple one). When (Time & Date): 1:00 to 2:00 pm, February 2, 2005, Monday Where (Location): Head Office, Dhaka, Standard Chartered Bank Why (Rationale): To know that how products are being justify for different Corporate Customers and reporting system of computer section in depot to the Solution Delivery Manager and Back Office. How (Technique): Simply stayed in the Solution Delivery Department and analyze the process.

5.5 Document Review Documents represent formal information flow with in the functional departments within the organization. The purpose of the document review is to examine information that has been recorded about the system and the users. While going through the analysis I have reviewed several documents. A list of the reviewed documents is presented below.

Documents created in Solution Department are

Monthly product wise sales target Identify the Prospective corporate customers Corporate Customer Files Contract forms Set-up form database Offer latter Documents The Web Bank products documents are: Customers status documents Setup forms Monthly Payment document stored CW: Cheaque Writer Documentation: Cheaque leaf Documents Payment Documents E-Banking Document Customers Document who are using the service.

While reviewing the documents I have also asked to know, by whom, how and for what purpose the documents are prepared, by whom the documents are used, how these are stored and for how long etc.

5.6 The Goal The Departments Goal To track the potential customers To increase the rate for selling these three products (E-Banking, Web Banking, Cheaque Writer) And provide the best service to its customers Making all the payment reports available all the time and maintain it. 5.7 Gann-Chart I made a time like for making this project and continue it more in a appropriate manner. The time line for my each task is being given below: Months Task Name
1. Researching the banks back ground Observing the Banks Work Area Document Research, Interviewing Analyzing the sequential Work Flow System Analysis Finding Solution and feasibility analysis Designing Phase Interface designing Reviewed

Duration Start
4 Days Wed 01/02/06 Sun 05/02/06 Mon 13/02/06 Sun 19/02/06 Wed 1/03/06 Thurs 16/03/06 Mon 27/03/06 Sun 16/04/06 Thurs 27/04/06

Finish
Sun 05/02/06 Sun 12/02/06 Sun 19/02/06 Tue 28/02/06 Wed 15/03/06 Mon 27/03/06 Thurs 6/04/06 Wed 26/04/06 ----------

February

March

April

2.

7 Days

3.

5/6 Days

4.

10 Days

5. 6.

15 Days 10 Days

7. 8. 9.

10 Days 7 Days 2 Days

6.0 The Current System of Standard Chartered Bank

6.1 The AS-IS Process Description In this process, first a customer is being tracked by the Consumer management department, or the CR Department. According the customers information

provided by the CR Department, the prospective customers is being targeted. Later all these customers information goes to the Solution delivery department. And from that department an offer is being sent to the repetitive customers. Then the customers take the decision whether they want to accept the offer or not. Sometimes the customer rejects the offer; sometime they accepted the offer and demand a demonstration of the particular product that the Bank wants to provide to its customer. One thing need to be mention that all these customers are Corporate Customers. First a customer is being tracked by the Customer Relational Department. The all data are being placed in an EXCEL file. The inputs are given by the junior officers. Then the information gives into share. The solution delivery department then analyze the customers information and justify weather the customer can adopt these banking products. Finally an offer latter is being sent to the selected customer. The customer then sends back an acceptance latter, which includes that which product they want to take. As in the next phase, the solution delivery manager review the whole analysis and store the acceptance latter received by the customer in a file. Later on according with the customer requirements the solution delivery assistant officer send another latter to the customer; that includes the date and time and the charges for marinating that particular product. Basically a contract is being formed between the customers. It is also to be mentioned the clauses is being described in the contract, which varies among customers. Sometimes there are customers who pay for the products monthly or take weaver. All theses thing

are being tracked by the accounts department and the solution delivery management. Meanwhile, solution delivery manager send an authorization latter to the main hub station (Chennai main office). And then finally after checking all the documents the central Hub station sends an authorized latter for setup the product in the CWS (Customer Work Station). This checking is not being

applicable for the cheaque writer. The solution delivery department manager decides weather they can give cheaque writer to its customer or not. After selecting the products, the back office and the accounts department maintain the payments. The monthly payment and the waiver all being checked and tracked by the accounts department. All the service and the manuals and also the set up are being done by the solution delivery departments manager. And they are people who tracked the entire document and stored it. All inputs are given manually and its been stored in a manual basis system.

6.2 The AS-IS Process Here in this AS-IS process diagram I have shown every detail of the current working system of the solution delivery department. In the following the Diagram is being placed.

6.3 Corporate Banking Service Charges & Product Overview

Product Cheaque Writer Features Installation Monthly Charges Charges Issuing the cheaque Set up cost 1,000 Tk. leafs with a serial 10,000 Tk. number. Set up time 7 Days for the installation of the software to the customer work station (CWS). 7 to 12 Working days to set up the CWS. Requisition need to be accepted from Chennai. 7 to 12 Working days to set up the CWS. Requisition need to be accepted from Chennai. 7 to 12 Working days to set up the CWS. Requisition need to be authorized from Chennai.

Web Bank

Can have the detailed Free. Only need 2,000 Tk. accounts reports internet instantly. connectivity.

STS

Can transfer money round clock.

e-Banking

the 20,000 Tk. And 5,000 Tk. the for each Rackel Watch need another 7,000 Tk. Can have higher 20,000 Tk. 5,000 Tk. security by using off line banking service.

7.0 Data Flow Diagram

The data flow diagram is drawn on the basis of the current sales of the solution Delivery Department that is being presented onwards. To draw this diagram I have followed Gene and Sarson Method (1979). First, the context level diagram is shown and then the breakdown of the data flow diagram like the 0-level and level 1 are also shown. Here the first diagram is the context level data flow diagram of product selling system by the solution delivery system of Standard Chartered Bank.

Contextual Level DFD

Customer Relation Officer

Give customer information

Receive customer information

Solution Delivery Manager

Product Installation Officer

Set up the CWS Product Selling System of Standard Chartered Bank Received Payment info.

Target Potential customers, Send offer latter, Prepare contract, prepare requisition

Authorized Contract Paper

Send Product Offer latter Customer

Send acceptance latter, signed contract

Maintain money receipt

Authorized the product installation

Send Requisition

Central Hub Station

Back Office

7.1 Data Flow Diagram

0-Level DFD In this 0-Leveldiagram I have explained every detailed step of the entire system of this my work area, Solution Delivery Department.

7.2 Data Flow Diagram

Level 1 DFD In this level 1 Data flow diagram I have explained in the most possible complete manner that how each system individually work in the entire system, and how different system interact with each others and pass information. Every system working activities are placed in a sequential manner in the following:

8.0 Problem Identification

In the context of this Solution Delivery Department I think the most major problem is these people are failing to achieve their goals for selling their products. The identified problems are given below: 1. No systematic way for targeting the potential customer : From different department; different relational managers are giving the customers information. As these products are only for the corporate customers and there is no advertisement for it, so it is very necessary for the solution department to get the right customer information. More of a fact there are some sales target that the department should meet, but if this sort of customer tracking is going on then it is almost impossible to maintain the sales target. 2. Incompetent for tracing customer Payment : The payment is being calculated by the back office or the accounts department. But the charges are being decided by the solution delivery department. So for making different charges for different categories of product, there is just an EXCEL file to entry those data, which is very much incompetent for analyzing these payments. 3. No specific time limit for placing the Order : When a requisition is being set for a particular customer, then solution delivery department analyze the customer status and there is no time limit to check for the customer status. Then again in case of set up or CWS authorization it took almost 7 working days, but most times this time limit exit. 4. Delay for generating instant Report : All the processing for set up is being done manually by using EXCEL, so it is almost impossible to prepare any sort of instant report. It takes hours for making any report.

Analyzing the above facts, it has to say that there is a major problem regarding this product sailing.

Major Problems

Problems caused Damages

1. Delay for establishing Customer Work Customer Dissatisfaction Satiation. 2. Miscommunication with the RM and the Losing Customers. Solution Deliver Department. 3. As repetitive data needs to be recorded. Inaccuracy level has been increased. Rework level enhanced. 4. Employees has to maintain different Employees Working late hours. files for the same customer who are occupied with Multiple products.

8.1 Problem statement Locating of prospective customer in order to sell products and fulfilling the Sales target is becoming impossible day by day. It seems like the sales rate is frequently getting down, and if this situation continues then proceeding with this business will only be a burden for the Bank. The basic reason for me to picking up this problem is because by analyzing this problem and making a solution for it will make an evolution in the history of corporate business in Standard Chartered Bank. Above I mentioned different problem, but if we analyze the fact well see that all these are connected to one root. By solving this customer tracking

problem we can eventually make solutions for the other problem areas as well. If this customer tracking became automated then it will be easy for the Banks employees to get an instant report in the basis of the recorded customer data. The Bank can easily allocate which customer relationship manager is handling which customer.

Currently the employees dont know what their employees status regarding to payment. The banks employees failed to locate their sales balance instantly. Moreover to know which customer is using which product and service and who are paying by installment or who are paying monthly charges all records are being kept in an EXCEL file this is very much inappropriate as there cant be any report generate option. This is definitely a huge lack that not only the solution delivery department is facing but also the whole sales and accounts department is facing a huge dilemma regarding this current situation.

8.2 The reason for which the Problem need to be dissolved This is very obvious that this problem need to be dissolved right away. The basic purposes are: (a) The Banks employees are getting confused that which relationship manager is handling which customers. Sometimes miscommunication accurse and which lead to a grater mismanagement. (b) Which customer is using what product, for this purpose their need to be a data storage procedure but as the data are only entering by using EXCEL file so this is very much obvious that to get the sales ratio the employees need to face a bigger hassle. They cant actually receive any instant report.

Sometimes single customer is uses multiple products, for this sort of case the solution delivery department is facing a lot of trouble as they cant retrieve customer information right away. (c) There are different categories of payment. Some customer pays the installation price in monthly installment, some customer are getting waivers so for these purposes their need to be a record which have to be updated regularly. Though these are the works for the accounts department but the solution delivery department is the one who sets the payment type and product price. More of a fact if the payment if not given by due time then the Solution Delivery Department will deactivate the whole service. So for this

purpose there solution delivery department also keep record for the payment. But in current situation, as the record is being kept manually, so the employees failed to take appropriate action according to the customer status. (d) Again sometimes the customer requires what is their status condition then it is very obvious that the employees failed to give any sort of instant report under the circumstances. 8.3 Use Case Diagram How the system is interacting with each individual means the Employees of SCB or the Customer is being explained in this following diagram. Basically in what ways humans are interacting with in the system and what roles they are playing are being described here

9.0 Analyzing the Problem

9.1 Symptoms Symptoms are the indications, manifestation or display of inconvenience that can be attributed to the selected problem. For my project the symptoms I identified are given below: 1. The customer are complaining about that though they give the payment properly but yet the bank is claming and sending papers that they didnt give the payment. 2. Another major issue is at the end of the year when the employees need to make an annual report then the failed to make it and submit it on time. For this reason the solution delivery departments performance rating is going down. The bigger issue is in the banks culture the whole brunch

considered as a team, so this performance evaluation is for the whole cash management department is being marked as bad performer. 3. Clients keep complaining that they are having trouble with the banking service, but yet the Bank is not responding right away. This happen

because of the lacking of retrieving information for that particular customer.

9.2 Scope The scope is the set of limitation, constraint or boundary that holds Standard Chartered Bank behind from the implementation of an alternative strategy. The scope is as follows: It is not possible to provide any necessary instructions to the Solution Delivery Employees for knowing the sales figure. Making any strategic decision at the right time that can affect the sales of a product is not possible.

The main accounts is not updating instantly while the products sailing. The sales record is not updating automatically. It is not possible to know the product availability without counting the products manually in those EXCEL files.

9.3 Domain Domain is the specific problem area that can be segregated or narrowed down from a broader view in order to ensure a comprehensive coverage of each key variable creating the trouble. The domain of these problems is Standard Chartered Bank is unable to monitor the sales of a product of an area at a specific point of time and unable to update the customers data at the same time retrieving that information is available. 9.4 Interfaces Interface is the set of external variables that largely intensifies the problem in question.
1.

In the beginning of each year the CEO sets a beng mark for selling products (Also do a meeting with the CR officers and the Solution Delivery Manager). So for maintaining this sales rate is shape the Solution Delivery manager needs to know the sales rate and the customer number aswell. But the cash management department failed to get to know about the exact figure in the right time and thus a huge possibility arise the Bank might loose their sales target.

2.

Then again the Bangladesh Standard Chartered Bank needs to send report the Head Office of the Bank. This is also a very crucial part where the Bank needs to show their sales rates are computable with the set sales rate.

3.

More of a fact the customer is failing to have proper guide lines to maintain their service. As there are plenty of rules and procedural steps to go on with the system. But the bank is failing to give any sort of manuals or service. As there isnt very much available information so the employees fail to know to which customer what kind of service they need to give.

9.4.1 Effects Internal Effects

1. 2.

The employees are having miscommunication within each other. The employees are making regular mistakes while they are entering repetitive data.

3.

The employees are facing lot of hassles as they have to listen lots of complains from their customers.

4.

The employees are become tired of searching each time that which CR officer is handling which customers.

5.

Making Annual Report is became a serious issue for the employees for every year.

External Effects
1.

The customer is having wrong conception about the service quality of the Bank.

2. 3.

They are became dissatisfy about the Banks service quality. The customers are having trouble for getting the right service.

9.5 Problem Statement Standard Chartered Bank currently unable to constantly monitor the sales of a particular product for individual customers, more of a fact all these information cant be updated in an efficient way that later from that stored document

employees can have some benefit over retrieving customer details or preparing sales Report. 9.6 Causalities Causalities are basically the problems that causing difficulty or creating problems in standard Chartered Bank. The causes for incompetence in sales analysis are given below: Sales Management Incompetency The solution Delivery Manager and the department are not very much keen to take proper steps to make the sales rate appreciable. The department people know that they can work better for maintaining more organized storing process and apparently make the sales rate higher. But they are not taking any action for making this possible. This is happening because the department people still believes that the on going process is working well off and its a very easy process to handle.

No Advertisement
This is probably the most serious issues of all, that Standard Chartered Bank dont have any sort of advertisement regarding selling these products. It is true that these products are only for the corporate customers but yet there happen to be some advertisement. In Bangladesh people are not very much aware of these kind of service quality. More even they are not very much known to these technologies.

Technology acceptance This is pretty obvious that the people in our country are still very much unaware about the latest technologies or the internet technology. The corporate people feel very much insecure about their account tracking via internet, as internet is accessible by all. But lately this Online system is being very secured and each and

everyone can have their own security password. But the corporate people had to get to these information but yet the solution delivery department is not taking any vital action for makeover this information.

Lack of Employees
There is over 30 brunches in Bangladesh. And only the corporate head office got this solution delivery department with 3 employees. The work load is extreme. All the time the relational officer is giving their requisition, every other time the customer is calling for changing their Web Bank Password. All the corporate customer records for these entire products are being maintained by this department. Maybe this position of this department was possible when they were just started their journey. But now day by day their customers are

increasing, this is totally an illogical thought that still the work is going on in this way.

Disorganized Record Keeping System The main target is selling the product keeping record is the secondary task, it can be maintained at anyhow; this was the confession by one of the employees of the solution delivery department. Track down customers records happen to have the same priority as selling the products. By keeping this opposite

mentality causing this current scenario that, the employees facing huge problems regarding generating reports, or to track down any customers status details.

9.6.1 The Fish Bone Diagram The fishbone diagram is to assist teams in categorizing the many potential causes of problems or issues in an orderly way and in identifying root causes. These causalities are shown here with the Fish-Bone diagram below.

Sales Management Incompitency

No Advertisement

To many data to manage Error for entering the data

Customers are not aware of it Sales manager thinks their CR can manage things No Customer tracking Process and the sales rate are going down

Only 3 people are working currently to run this whole department

Entry data Manually

Professional employees are hard to get

Maintaining several EXCEL Files

Lack of Employees

Disorganized record keeping system

9.6.2 Rich Picture

To make the entire problem identification more in a basic n logical manner I have used this Rich Picture method. The picture is being placed in the following.

9.6.3 Activity Diagram

For a better analysis of the project I have drawn an Activity Diagram. In this Activity Diagram all the activities of the Actors is being clearly identified as well as the work order.

10.0 The Proposed System

As we already analyze the current scenario, so now in this phase I would like to give some solutions according to the circumstances. At this stage I am going to give several different hypothesis. These are given below: 10.1 Hypothesis 1. Online customer tracking system: Here the customers going to give their product requisition using the Internet. Basically all they have to do is just fill up a form online then send it to the solution delivery depart. The solution delivery department afterwards verifies the form and takes necessity steps. At the same time they store the customer given data automatically. As this is totally a web base database so the accounts department can also checks the payment type. This way there wont be any sort of misunderstanding.

2. Make the existing EXCEL file organized and higher more employees. This way work will be set. 3. Make a system based on VB and Access. This is definitely an offline system, which is more convenient as this way only the employees of the bank need to be trained but not the corporate customers.

10.2 Primary Solution As for the primary level solution, I have selected the 3rd option. This option definitely fulfilling all the feasibility for making this product selling and managing the payment system in a worth full manner. yet to prove that this is the best possible solution for this particular problem, later on my report I tried to justify the fact.

10.3 Feasibility Analysis Feasibility 1. Technological feasibility Description By this technological feasibility we know that weather there are enough technological support or availability to continue with the work/project. What will the technology, whats going to be the time for setting up the system, what kind of training will be needed all things are analyzed here. 2. Operational Feasibility By the term operational feasibility we get to know about weather the work operation is going on smoothly or not. Here we evaluate the effects of each alternative on the routine operations of the organisation. 3. Economical Feasibility Economical feasibility or financial feasibility is the core of all feasibility analysis. Here we measure in terms of whole project. What will be the projects start up Start-up cost, whats gonna be the operation cost, what revenues we might earn from this whole project all these are analyzed here. 4. Organizational Feasibility Organizational feasibility states that we have to make sure that the departments critical management is working perfectly.

10.4 The Feasibility Analysis of the Selected Solution As there can be three different solutions but yet I have chosen the third option. To prove the validity of the choice of solution below I have given the feasibility

analysis chart. And from the chart it can be easily identifies that only the 3rd option make all the feasibility constant.

Feasibility Studies

Name of the Solution

1. Online Customer Tracking 2. Higher More Employees 3. Make a software by using VB and MS-Access

Organizational Feasibility

Economical Feasibility

Operational Feasibility

Technical Feasibility

10.5 Why I choose to this solution Reason behind I select this solution because this is the most convenient system. The bank got the authorization for using MS Access and also VB. The employees are already using the MS- EXCEL so using Access wont be a big problem. The interface is being designed very easily and in a convenient way. At this we can tell that this solution is having both the operational and Technological feasibility.

So apparently the hardware requirement and the software requirement are pretty much ok with the current scenario. As all the hardware is already being established so this is to be say that this solution is also fulfilling the economical feasibility. There we dont have to spend much for the hardware. But yes for the software development we sure do need skilled people and lumps of money to run the software efficiently.

More of a fact by this the employees are having the option for quarry for any sort of manner for customer searching, and at the same time they can generate report.

Other then this if the accounts officers wants to know about the payment status then the solution delivery employees can easily check. As the other

departments are also having advantages so we can tell that organizational feasibility is also present here.

One major issue also being solved as in the bank different customers are being handle by different CR officers, now the CRs name is also being given as a entry in the software. So now this is quite easier for the employees to track down who are handling which customers.

11.0 TO-BE Process

11.1 TO-BE Process Description The main things that will be changed areAll the data collection will be authorized. Data will be stored by using MS-Access In every 1 week there going to be a report generation All the reports will be stored then on monthly basis the reports going to be stored As the data collection is being collected against a particular date. So there going to be no miscommunication for payment for collect information for any individual customer. Customer tracking is now very easy. Anywhere anytime the customer status can be calculated. The customer is satisfied. As well as the employer are having less trouble for making quarries against their respective customer.

12.0 Risk Analysis

Like every other project, incase of my analysis I have also seen some major risks. But yet if we just consider the risk factor; then there is no way we can make things in progress. The major that I have analyzed: Employee risk Data loss risk System crash risk Risk in terms of employees expertise

Only trained employees can handle the whole system. So employee availability should be certain. Then again if the existing users failed to cope up with the system then there will be a huge loss.

12.1 Risk Identification

12.1.1 System Crash The system might fail and all the data saved might be lost. These crashes are very massive. It can affect all the concerned as the order entry would not be possible and thus the sales record would not retrievable. Thus this crash is able to make a whole system disable for some time. 12.1.2 Employee Risk This risk is related with the employees who will use the system. If the employees are not skilled and not familiar with the new software, they might do some mistakes. Even the persons who would maintain the system also might have this problem if they are not experienced enough. 12.1.3 Technological Risk In this changing world the technology is changing more rapidly. So the technology used in the new system might become obsolete. The software would

be then functional for a short period of time. Then it would be needed to change as the technology changed suddenly and at a vast rate.

12.1.4 Development Risk If the team members of the software development team are skilled and experienced enough then this type of problem may occur. They might fail to develop the whole new system by the available resources. Failure might accrue due to the lack of resources provided or this situation might also happen due to lack of qualified members.

12.1.5 Physical Damages Different types of physical damages might cause harm to the system, such as the fire might burn out, theft or robbery might take place etc. This type of problem has also the risk of disable the system totally or partially. Risk Mitigation

12.2 Risk Mitigation Risk Preventive 1. Computer Crash Keep multiple back up of data and report in multiple places. 2. Employee Risk Give training to the employees. Employ some skilled people. Mitigation Plan Corrective Consult with the system developers. Stop the work immediately. Consult with the system developers and skilled programmers. Detective Monitor whether everything is working smoothly or not (about data save, retrieve, report generation etc.). Monitor employees activities and ask whether they are facing any difficulties or not. Ask about whether they need any additional training, materials etc. 3.Technological During software Risk development phase decide to use the latest technology. Consult with the system developers and talk about whether they would change technology and implement the new one. Monitor whether the technology is changing or not. If changes occur then consult with the system developers and tell them to replace with the new technology if necessary.

13.0 Requirement Analysis

13.1 Current System Analysis 13.1.1 Hardware status Desktop (DELL) [Dell PC ; GX520 small Desktop; Processor speed: 2.53 GHz; RAM: 512 MB HDD: 40 GB (with CD ROM) Monitor: 17 (colour)] Mini frame IBM 400 Printer Modem with cables Other logistics

13.1.2 Software Status Database (by using SQL Code) Backend Processor (Sybase SQL) Front End (by C/C++ Code) Other software (MS-Word, MS-Excel, Notepad etc.)

13.1.3 Required Requirements The Hardware requirement is more or less already fulfilled by the current status. Software requirements MS-ACCESS [need to be installed] Vb; Visual Basic needed to be install atleast for running the EXG Files.

Training curriculum Expertise on MS-ACCESS Able to work with Visual Basic.

13.1.4 Employees learning status The SCB employees are already using MS-EXCEL. And it is very obvious that they wont need much time to learn MS-ACCESS. 2 hours training for 2 days will be enough for making a particular employee allegeable for using the software. The whole system is being designed in a very simple manner so it wont be much of a problem to learn the whole process. There are several ways to make a project run. But to make it successful and run it smoothly in the future; there got to be a particular planning and implementation of sequence of work in a project. The sequential work flow and defining the hierarchy makes a project run not for the current time but as well in the future.

14.0 Entity Relationship Diagram

ERD or Entity Relationship Diagram is one of the most essential diagrams to make a real life project. To verify that all the relationship between entities is being signified appropriately I made this ERD based on my Project. 14.1 Conceptual ERD Here in this Conceptual ERD only the entity to entity relationship is being shown. All these relationship is being designed without breaking of any one- tomany relationship. If we analyzed the diagram well see that there are two many-to many relationship that we need to break. 14.2 Logical ERD After identifying two separate many-to-many relationship; I break it down to one-to-one relationship. Now it is possible for us to make an effective database to store data. The main purpose for breaking all these relationship to one-to-

many or to one-to-one is that, in a single data field only one data can be stored. To make a valid data entry we have to break all the many-to-many relationships. Here all the data models is being placed sequentially in the following

14.3 Data-Dictionary
Table No: 01

Table Name: CUSTOMER Table Full Name: Customer Table Function: This table stores the information about the Customers. Field Name Cust_ID Full Name Customer ID Customer Name Customer Address Customer Phone No. Data Type Text Size PK FK M Function 7 + + This field stores the ID of the Customer Stores the name of the Customer Stores Address of Customers Stores the phone number of Customers Stores the e-mail Add of Customers Stores the Products information that a Customers is using Stores the Account number for credit payment

Cust_Name Cust_Add Cust_Ph

Text Text

30 40

+ + +

Number 15

Cust_e-mail Customer Text 20 add. e-mail Add Cust_Pro_Info Customer Text 10 Products Information Cust_a/c Customer Number 11 Account number

+ + +

Table No: 02 Table Name: REQUISITION Table Full Name: Requisition Table Function: This table stores the information about the sending Requisitions. Field Name Requ_No Full Name Data Type Size PK FK M Function + + This field stores the Serial Number of Requisition Stores the name of the details of each requisition Stores the send requisition Date and time Stores the Received date and time of the requisition

Requisition Number 5 Number Requisition Text Details 15

Requ_Del

Requ_Date

Requisition Date Date and Time Requ_Res_Date Requisition Date Receive and Date TIme

15

15

Table No: 03 Table Name: SCB EMP Table Full Name: SCB Employees Table Function: This table stores the information about the Banks Employees. Field Name Emp_ID Full Name Employees ID Data Type Size PK FK M Function + + This field stores the ID of the Employee Stores the name of the Employee Stores the Employee contact details Stores the details about the relationship manager accounts

Number 7

Emp_Name

Employee Text 30 Name Emp_con_Del Employees Text 30 contact Details RM_No Relationship Number 7 Manager Number

Table No: 04 Table Name: REQU_PRO Table Full Name: Product Requisition Table Function: This table stores all the products requisitions that send to Chennai. Field Name Requ_No Full Name Data Type Size PK FK M Function + + + This field stores the Serial Number of Requisition Stores the name of the Product Stores the name of the details of each requisition

Requisition Number 5 Number Product Text Name Requisition Text Details 10 15

Pro_Name Requ_Del

+ +

Table No: 05 Table Name: SET-UP FORMS Table Full Name: Set-Up Forms Table Function: This table stores the information about Product Set-Up Details. Field Name Set_Up No. Full Name Data Type Size PK FK M Function + + This field stores the Number of the Set-up forms This field stores the Details of the Set-up forms This field stores the dates on that the SetUp form send.

Set-Up form serial Number Set_Up_Del Set-Up form serial Details Set_Up_Date Set-Up form serial Date

Number 9

Text

20

Date and Time

10

Table No: 06 Table Name: REQU_STORE Table Full Name: Requisition Store Table Function: This table stores the information about the Product Requisition. Field Name Requ_No Full Name Data Size PK FK M Function Type Requisition Number 5 + + + This field stores the Number Serial Number of Requisition Set-Up form Number 9 + + + This field stores the serial Number of the Set-up Number forms Relationship Number 7 + + Stores the details Manager about the Number relationship manager accounts

Set_Up No. RM_No

Table No: 07 Table Name: RM Table Full Name: Relationship Manger Table Function: This table stores the information about the Relationship Manager. Field Name RM_No Full Name Data Type Size PK FK M Function + + Stores the details about the relationship manager ID Stores the details about the relationship manager Details Stores the details about the relationship manager handling accounts.

Relationship Number 7 Manager Number Relationship Text Manager Details 30

RM_Del

RM_A/C_del Relationship Number 50 Manager holding a/c Number

Table No: 08 Table Name: CENTRAL HUB Table Full Name: Central Hub Table Function: This table stores the information about the Central Hub. Field Name Central_Hub Requ_No Full Name Data Type Size PK FK M Function + + + + Stores the Name of the Hub. This field stores the Serial Number of Requisition Stores the date that the set up form received This field stores the Number of the Set-up forms This field stores the product set up starting date

Central Text 10 Hub Name Requisition Number 5 Number

Requ_Rev_Date Requisition Received Date Set_Up No. Set-Up form serial Number Set-Up_Date Set_Up start Date

Date 10 and Time Number 9

Date and Time

10

Table No: 09 Table Name: CWS Table Full Name: Customer Work Station Table Function: This table stores the information about the product installation on the customer workplace. Field Name Cust_ID Full Name Data Type Text Text Text Size PK FK M Function 7 40 30 + + + + This field stores the ID of the Customer Stores Address of Customers Stores the details about the relationship manager Details This field stores the product set up starting date

Customer ID Cust_Add Customer Address RM_Del Relationship Manager Details SetSet_Up start Up_Date Date

Date and Time

10

Set-up_ Date

Set-up date

Date and Time Text

10

Set-up_ Agre.

Set-up Agreement

This field stores the product installation date in the customer work place. This field contains the agreement details of the product installation.

Table No: 10 Table Name: AUTHORIZED DOC Table Full Name: Authorized Documents Table Function: This table stores the information about the Contract papers. Field Full Name Name Contract_serial Contract Serial Number Emp_ID Employees ID Cust_ID Customer ID Set-Up_Date Set_Up start Date RM_Del Data Size PK FK M Function Type Number 3 + + This field stores the serial number of the contract/agreement. Number 7 + + This field stores the ID of the Employee Text 7 + + This field stores the ID of the Customer Date 10 + This field stores the and product set up Time starting date Relationship Text 30 + Stores the details Manager about the Details relationship manager Details

Table No: 11 Table Name: REPORT

Table Full Name: Report Table Function: This table stores the information about the product Status Report. Field Name Report_ID Full Data Name Type Report ID Text Size PK FK M Function 10 + + This field stores the ID of the Report serial Number This field stores the details of the product payment details Payment is being considered on monthly or yearly these records are placed in this field. Stores the Payment figure. This field stores the ID of the Customer This field stores the serial number of the contract/agreement.

Report_ Name

Report Name

Text

20

Payment_Type Payment Type

Text

Amount Cust_ID

Amount

Number 10 + +

+ + +

Customer Text 7 ID Contract_serial Contract Number 3 Serial Number

15.0 Interface Designing

15.1 User Interface and its Description User Guide

16.0 Conclusion and Recommendation

Now a day business does not mean just selling and purchasing the products or services. This is very important to conduct the business in an organized and effective manner. Now questions arise that how we can make this business process effective. Advertising can be a bigger solution in this sector. More then that maintaining a satisfactory level of customer satisfaction might make the whole selling process a lot more progressive. As we all know in the business world things move on the will of Impression. Standard Chartered is the worlds one of the best leading Banks. And it the duty of this Bangladesh corporate office to hold that same image and continue with the Business. To enrich and maintain a better reputation is the only solution to make a business more progressive. As this is a global Bank and more appropriate to say all these Banks product is being sold globally, so this should be very much likely that Bangladesh Corporate office should also maintain the same image and continue with the Business. Standard Chartered Bank definitely satisfies their Corporate customers and to maintain this scenario in an more efficient and prospective manner the Bank can surely can accept this project in an cordial manner.

References

http://www.tdan.com/i018ht01.htm http://eps.syr.edu/toolkit/analyzing.aspx

http://pigseye.kennesaw.edu/~dbraun/csis4650/A&D/UML_tutorial/activity.htm http://www.agilemodeling.com/artifacts/useCaseDiagram.htm http://www.technologystudent.com/designpro/richpic1.htm http://www.naa.gov.au/recordkeeping/dirks/dirksman/dirks_A12_feasibility.html http://members.aol.com/AllenWeb/planning.htm

http://www.umsl.edu/~sauter/analysis/dfd/dfd.htm http://www.umsl.edu/~sauter/analysis/er/er_intro.html Haque, I. (2004). Course Handout of MIS and System Analysis. IUB.

Appendix
1. Excel Document for Product information storing 2. Products Forms 3. Annual Reports cover page