Multi Banking Transaction System

The Project Report is submitted in partial fulfillment of the

requirements for the award of the degree of
Master of Computer Applications

Submitted by:
KOLLI
HARSHITHA
2385351050

Under the Esteemed Guidance of

S.K.Alisha

B.V. Raju College

Vishnupur::Bhimavaram

Submitted to
DEPARTMENT OF COMPUTER SCIENCE & ENGINEERING
COLLEGE OF ENGINEERING
ADIKAVI NANNAYA
UNIVERSITY
RAJAHMAHENDRAVARAM
2024-2025
 B.V. RAJUCOLLEGE (AUTONOMOUS)
(Re-Accredited with ‘B++’ Grade by NAAC)

Department of MCA
Vishnupur :: Bhimavaram

CERTIFICATE

This is to certify that this project entitled “MULTI BANKING

TRANSACTION SYSTEM” submitted in partial fulfillment of the degree of
MASTER OF COMPUTER APPLICATIONS to Adikavi Nannaya
University from 7i Technologies through B.V. Raju College, done by Ms.
KOLLI HARSHITHA Regd. No. 2385351050 is an authentic work carried out
by her during the Academic Year 2024-2025 at under my guidance. The matter
embodied in this project work has not been submitted earlier for award of any
degree or diploma to the best of my knowledge and belief.

Internal Guide Head of the Department

External Examiner Principal

 ACKNOWLEDGEMENTS

The satisfaction and euphoria that accompany the successful completion of any
task would be incomplete without the mention of people who made it possible, whose
constant guidance and encouragement crowned our efforts with success. It is a pleasant
aspect that I have now the opportunity to express my gratitude for all of them.

The first person I would like to thank Dr. I. R. Krishnam Raju, Principal

MCA, B V Raju College, Bhimavaram. His wide knowledge and logical way of
thinking have made a deep impression on me. His understanding, encouragement and
personal guidance have provided the basis for this thesis. He is a source of inspiration
for innovative ideas and his kind support is well known to all his students and
colleagues.
I wish to thank Dr. V. BHASKARA MURTHY, Professor& HOD, Dept of

MCA. His support and valuable suggestions for the successful completion of this
project.
I wish to thank my guide Mr. S.K.Alisha, Associate Professor, Dept. of
MCA his support and valuable suggestions for the successful completion of
this Project.

KOLLI HARSHITHA

2385351050
 DECLARATION

This is to certify that the project report entitled “MUTLI BANKING

TRANSACTION SYSTEM” is done by me is an authentic work carried out for
the partial fulfillment of the requirements for the award of the degree of Master
of Computer Applications under the guidance of Mr. S.K.Alisha, Associate
Professor, Dept. of MCA. The matter embodied in this project work has not
been submitted earlier for award of any degree or diploma to the best of my
knowledge and belief.

Signature of the student

KOLLI HARSHITHA
2385351050
B.V.Raju College.
 INDEX
Chapter Page No.

1. INTRODUCTION 1

2. LITERATURE SURVEY 2-3

3. SYSTEM ANALYSIS 4-6

3.1 Existing System 4
3.2 Proposed System 4-5
3.3 Feasibility Study 5
3.4 Requirements Analysis 5-6

4. SYSTEM DESIGNE 7-13

4.1 System Architecture 7
4.2 UML Diagrams 8
4.2.1 Use Case Diagram 9
4.2.2 Class Diagram 10
4.2.3 Sequence Diagram 11
4.2.4 Collaboration Diagram 12
4.2.5 ER Diagram 13

5. SYSTEM IMPLEMENTATION 14-18

6. SYSTEM TESTING 19

7. SCREENS & REPORTS 20-36

8. CONCLUSION AND FUTURE WORK 37

9. BIBILIOGRAPHY 38-39
9.1 References 38-39
 LIST OF FIGURE

S.No Fig.No Fig. Name Pg.No

1 4.1 System Architecture 7
2 4.2.1.1 Use Case Diagram 9
3 4.2.2.1 Class Diagram 10
4 4.2.3.1 Sequence Diagram 11
5 4.2.4.1 Collaboration Diagram 12
6 4.2.5.1 ER Diagram 13
 1. INTRODUCTION

In today’s digital world, the need for efficient and unified financial management systems
is increasing rapidly, especially for individuals and businesses that maintain accounts
across multiple banks. Managing these accounts separately through individual bank
portals can be time-consuming and inefficient. To address this issue, we propose the
Multi Banking Transaction System Interface, a comprehensive solution that provides
a single platform for users to manage and perform transactions across various bank
accounts seamlessly.
This project aims to integrate all existing banking services into one unified interface,
allowing users—both retail and corporate—to perform a wide range of financial
operations such as account management, fund transfers, and transaction tracking through
a centralized portal. By serving as a common gateway between clients and multiple
banks, the system ensures efficient and secure handling of transactions in the
background without requiring the user to log in to each bank separately.
The Multi Banking System is designed with multiple modules to handle different roles
and responsibilities including system administration, customer services, and bank
administration. The system ensures smooth interoperability between banks while
providing users with an easy-to-use interface to access all their financial data in one
place.
With the increasing reliance on online banking, this system paves the way for a more
integrated, user-friendly, and efficient approach to multi-bank financial management. It
simplifies banking operations and enhances customer convenience, while also
maintaining the necessary controls and approvals for secure and authenticated
transactions.

1
 2. LITERATURE SURVEY

1) A Secure and Efficient Multi-Banking System

AUTHORS: A. Sharma, V. Mehta, R. Sinha
This paper introduces a multi-banking framework that enables users to manage accounts
from different banks using a single login. The system focuses on data security and inter-
bank communication through secure APIs. It discusses how integrating all banks into
one interface reduces user effort and enhances transaction speed while maintaining
privacy using encryption and authentication mechanisms. The proposed model improves
customer experience by reducing the need to switch between bank-specific applications.

2) Unified Banking Portal using Web Services

AUTHORS: K. Roy, M. Rajan
The authors present a unified banking portal that aggregates various banking services
under one roof using service-oriented architecture (SOA). Web services allow seamless
communication between bank servers, enabling users to perform actions such as fund
transfers, balance checks, and transaction history retrieval across different banks. The
paper highlights how SOA simplifies integration, offering a cost-effective solution for
multi-bank transaction management.

3) Design and Implementation of Interoperable Banking System

AUTHORS: S. Mukherjee, T. Dasgupta
This study focuses on designing an interoperable banking system that allows customers
to access and operate accounts across multiple banks. The authors use middleware to
bridge communication gaps between heterogeneous banking systems. Key features
include account aggregation, unified reporting, and transaction monitoring. The system
enhances banking transparency and simplifies the banking process for users with
multiple accounts.

4) Web-Based Multi-Bank Transaction System

AUTHORS: R. Nair, P. Iyer
This research proposes a web-based application that supports real-time transactions
across various banks. The application includes modules for user registration, bank
authentication, transaction authorization, and report generation. The authors use Java-
2
based web technologies along with Oracle as the backend to ensure data persistence and
security. The system provides a centralized and convenient solution for both retail and
corporate customers.

5) Integrated Banking Framework Using Cloud

Computing AUTHORS: L. Thomas, H. George
This paper explores the use of cloud computing in creating a scalable and integrated
banking platform. The authors propose a multi-bank interface hosted on a cloud
environment, which provides high availability and scalability. Users can access multiple
bank services with a single sign-on, while banks can manage customer requests more
efficiently. The paper also discusses security concerns and how cloud infrastructure
addresses data protection.

3
 3. SYSTEM ANALYSIS

3.1 EXISTING SYSTEM

In the current banking environment, customers who hold accounts in multiple banks are
required to manage each bank separately. Transactions can be carried out either
manually by visiting bank branches or through individual online portals provided by
each bank. While digital banking has eased access to banking services, each bank's
system functions in isolation, meaning that users must log in to different portals to
access and manage their respective accounts.
This fragmented system lacks integration and creates inefficiencies in financial
management. Users need to remember multiple login credentials, navigate different
interfaces, and handle diverse transaction processes and reporting styles.

DISADVANTAGES OF THE EXISTING SYSTEM:

 Lack of a centralized platform for multi-bank account access.
 Time-consuming for users managing multiple bank accounts.
 Redundant and repetitive processes across different banking systems.
 Inconsistent user experience across banks.
 Higher chances of manual errors and missed transactions.

3.2 PROPOSED SYSTEM

The Multi Banking Transaction System Interface aims to address the shortcomings of
the existing system by providing a unified and integrated banking platform. This
interface enables users to access and manage accounts from multiple banks through a
single portal. By acting as a standard interface between clients and all participating
banks, the system offers a seamless and secure way to conduct a variety of banking
operations.
Through this system, users can perform tasks such as viewing account details,
transferring funds across banks, and generating transaction reports without the need to
switch between different banking portals. All backend communications and verifications
required for secure transactions are handled by the system.

4
KEY FEATURES OF PROPOSED SYSTEM:
 Centralized platform to access and manage multiple bank accounts.
 Real-time fund transfers within or across different banks.
 Secure login and role-based access for customers, bank admins, and super admin.
 Transparent reporting and tracking of transactions (accepted, rejected, pending).
 Simplified account creation and approval workflows.

3.3 FEASIBILITY STUDY

TECHNICAL FEASIBILITY:
The system is technically feasible with the use of reliable, well-supported
technologies such as Java (JDK 1.5), JSP, Servlets, and Oracle 9i. Integration with
different banks is achievable via standard APIs or web services. The system will be
deployed on a Tomcat web server, and front-end interactions will be supported through
HTML, CSS, and JavaScript.

OPERATIONAL FEASIBILITY:
This system significantly reduces the operational burden on users by offering a
one-stop solution for multi-bank transactions. With minimal training, users will be able
to comfortably navigate the system. Admins and bank staff will have clearly defined
roles for managing customer data and transaction approvals.

ECONOMIC FEASIBILITY:
The use of open-source technologies and existing infrastructure makes the project
economically viable. The efficiency gained by centralizing operations and reducing
redundant tasks can offer long-term savings and increase customer satisfaction, making
it cost-effective.

3.4 REQUIREMENTS ANALYSIS:

SOFTWARE REQUIREMENTS:

 Web Presentation : HTML, CSS

 Client-side Scripting : JavaScript
 Programming Language : Java
 Web based Technologies : Servlets, JSP
 Database Connectivity : JDBC
 Java Version : JDK1.5
5
  Backend Database : Oracle 9i
 Operating System : Windows XP/2003, LINUX
 Web Server : Tomcat 5.5
 Browser : IE/Mozilla/Chrome

HARDWARE REQUIREMENTS:

 Pentium processor : 233 MHZ

 RAM Capacity : 128MB
 Hard Disk : 20GB
 CD-ROM Drive : 32 HZ
 Keyboard : 108 Standard

6
 4. SYSTEM DESIGN

4.1 System Architecture

4.1 System Architecture

7
 4.2 UML DIAGRAMS

UML stands for Unified Modeling Language. UML is a standardized general-purpose

modeling language in the field of object-oriented software engineering. The standard is
managed, and was created by, the Object Management Group.
The goal is for UML to become a common language for creating models of object oriented
computer software. In its current form UML is comprised of two major components: a
Meta-model and a notation. In the future, some form of method or process may also be
added to; or associated with, UML.
The Unified Modeling Language is a standard language for specifying,
Visualization, Constructing and documenting the artifacts of software system, as well as
for business modeling and other non-software systems.
The UML represents a collection of best engineering practices that have proven successful
in the modeling of large and complex systems.
The UML is a very important part of developing objects oriented software and the
software development process. The UML uses mostly graphical notations to express the
design of software projects.

GOALS:
The Primary goals in the design of the UML are as follows:
1. Provide users a ready-to-use, expressive visual modeling Language so that they
can develop and exchange meaningful models.
2. Provide extendibility and specialization mechanisms to extend the core concepts.
3. Be independent of particular programming languages and development process.
4. Provide a formal basis for understanding the modeling language.
5. Encourage the growth of OO tools market.
6. Support higher level development concepts such as collaborations, frameworks,
patterns and components.
7. Integrate best practices.

8
4.2.1 Use Case Diagram:

A use case diagram in the Unified Modeling Language (UML) is a type of

behavioral diagram defined by and created from a Use-case analysis. Its purpose is to
present a graphical overview of the functionality provided by a system in terms of
actors, their goals (represented as use cases), and any dependencies between those use
cases. The main purpose of a use case diagram is to show what system functions are
performed for which actor. Roles of the actors in the system can be depicted.

4.2.1.1 Use Case Diagram

9
4.2.2 Class Diagram

In software engineering, a class diagram in the Unified Modeling Language (UML)

is a type of static structure diagram that describes the structure of a system by showing
the system's classes, their attributes, operations (or methods), and the relationships
among the classes. It explains which class contains information.

4.2.2.1 Class Diagram

10
4.2.3 Sequence Diagram

A sequence diagram in Unified Modeling Language (UML) is a kind of

interaction diagram that shows how processes operate with one another and in what
order. It is a construct of a Message Sequence Chart. Sequence diagrams are sometimes
called event diagrams, event scenarios, and timing diagrams.

4.2.3.1 Sequence Diagram

11
 4.2.4 Collaboration diagram:

A collaboration diagram, also called a communication diagram or interaction diagram, is an

illustration of the relationships and interactions among software objects in the Unified
Modeling Language (UML).

4.2.4.1 Collaboration Diagram

12
4.2.4 ER-Diagram:

An entity–relationship model (ER model for short) describes interrelated things

of interest in a specific domain of knowledge. A basic ER model is composed of entity
types (which classify the things of interest) and specifies relationships that can exist
between instances of those entity types.
ER model is commonly formed to represent things that a business needs to
remember in order to perform business processes. Consequently, the ER model becomes
an abstract data model, that defines a data or information structure which can be
implemented in a database, typically a relational database.

4.2.5.1 ER-Diagram

13
 5. SYSTEM IMPLEMENTATION

MODULES:
 Admin Module
 Customer Module
 Bank Admin Module
 Reports Module

MODULES DESCRIPTION:

Admin Module:
The admin module will be used by the administrator of this portal, admin can accept or
reject the requests from the bankers, and also admin can accept or reject the requests
from the users. The requests are in the form of bank registration, customer registration.
This module is having following functionalities.
 Pending Bankers Requests: By using this functionality Administrator can give
access permeations to all bankers who are registered in this portal.
 Pending User Requests: By using this functionality Administrator can give
access permeations to all users who are registered in this portal.

Customer Module:
This module describes all about customers, by using this module any customer can do
some operations like create a new account, view the account information, Transfer
amount from one account to other account and customer can also see the Transaction
Reports. This module consists following functionalities.
 Create New Account: By using this functionality user can create a new account
in any bank by selecting bank name option.
 View Account Information: By using this functionality user view all his
account details, this can be viewed by users who are having account in any
bank.
 Transfer Amount: By using this functionality user can transfer money from his
account to other accounts of same bank or other banks.

14
  Transaction Reports: By using this functionality user can get all his transaction
reports like accepted transactions, rejected transactions and pending
transactions.

Bank Admin Module:

This module deals with all transactions of bank management. By using this module bank
staff can view all details of customers, they can go for any transactions of their
customers and also they can give access permeations to all customers of that bank. This
module consists following functionalities.

 List of Customers: By using this functionality Bank admin can get their
entire customers list and their details.
 List of Accounts: By using this functionality Bank admin can get their entire
customers list based on selected account type like saving account, current
account etc.

Security Module:
 Includes OTP verification, CAPTCHA, and encrypted communication
using HTTPS.
 Implements user role management and data privacy protocols.

15
 SOURCE CODE:

<%@ page language="java" import="java.util.*" pageEncoding="ISO-8859-1"%>

<%
String path = request.getContextPath(); String
basePath = request.getScheme() + "://"
+ request.getServerName() + ":" + request.getServerPort()
+ path + "/";
%>

<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN">

<html>
<head>
<base href="<%=basePath%>">

<title>Multi Banking |Admin Home</title>

<link rel="stylesheet" type="text/css" href="style.css" media="screen" />
<script type="text/javascript" src="js/jquery.core.js"></script>
<script type="text/javascript" src="js/jquery.superfish.js"></script>
<script type="text/javascript" src="js/jquery.jcarousel.pack.js"></script>
<script type="text/javascript" src="js/jquery.easing.js"></script>
<script type="text/javascript" src="js/jquery.scripts.js"></script>

<meta http-equiv="pragma" content="no-cache">

<meta http-equiv="cache-control" content="no-cache">
<meta http-equiv="expires" content="0">
<meta http-equiv="keywords" content="keyword1,keyword2,keyword3">
<meta http-equiv="description" content="This is my page">
<!--
<link rel="stylesheet" type="text/css" href="styles.css">
-->

16
</head>
<body>
<%String uname = (String)session.getAttribute("uname"); %>
<div id="wrap">
<div class="top_corner"></div>
<div id="main_container">

<div id="header">
<div id="logo">
<fontsize="8"
color="#996666">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mu
lti
Banking Transaction System</font>
</div>

<div id="menu">
<ul>
<li>
<a class="current" href="adminhome.jsp" title="Admin Home">Home</a>
</li>
<li>
<a href="bankreq.jsp" title="Requests from Bankers">Bankers
Requests</a>
</li>
<li>
<a href="userreq.jsp" title="Requests from Users">Users
Requests</a>
</li>
<li>
<a href="./logout" title="Logout">Logout</a>
</li>
</ul>
</div>
</div>

17
</div>
</div>
<! end of middle banner >

<br/><br><br/><br>

<div class="center_content">
<fontsize='6'color='#8B008B'><center>Welcome<%=uname
%></center></font><br/><br><br/>
<center>
<font color="#006400" size = '2'>
The administrator of this portal,<br/>
admin can accept or reject the
requests from the bankers, and also admin can accept or reject the
requests from the users. <br><br>
The requests are in the form of bank
registration, customer registration. This module is having following
functionalities.</font></center>
<br/><br><br><br/><br><br/><br><br/><br><br/><br><br/><br><br/><br><br/><br>
<div class="footer">
<div class="copyright">
Designed by
</a> |
<a href="http://www.kresttechnology.com/" target="_blank">Krest
Technologies</a>
</div>
</div>
</div>
</div>
</body>
</html>

18
 6. SYSTEM TESTING

System testing is a crucial stage in the Software Development Life Cycle (SDLC) that
ensures the complete and integrated system meets the specified requirements. For the
Multi Banking System, a variety of testing methods were employed to validate
functionality, security, usability, and performance under different scenarios.
1. Objectives of Testing
The main objectives of system testing for the Multi Banking System were:
 To verify that all modules function correctly and as per requirements.
 To ensure data integrity and security across multiple banks.
 To validate the system’s performance under different loads.
 To check the system’s behaviour under normal and unexpected scenarios.
 To identify and fix any bugs or vulnerabilities before deployment.
2. Types of Testing Conducted
a) Unit Testing
 Each individual module (e.g., Login, Fund Transfer) was tested in isolation.
 Tools used: JUnit for Java
b) Integration Testing
 Ensured that different modules worked together seamlessly.
 Example: Verified that after login, the user dashboard displayed correct banking
data.
c) System Testing
 End-to-end testing was done on a complete, integrated version of the system.
 Simulated real-world use cases including concurrent users.
d) User Acceptance Testing (UAT)
 Conducted with a group of end-users.
 Feedback collected on UI/UX, responsiveness, and ease of use.
e) Security Testing
 Checked for vulnerabilities like SQL injection, Cross-Site Scripting (XSS), and
Cross-Site Request Forgery (CSRF).
 Implemented strong password rules and encrypted data transmission.

19
 7. SCREENS & REPORTS

HOME PAGE:

7.1 Home page

20
REGESTRATION PAGE:

7.2 Registration Page

21
LOGIN PAGE:

7.3 Login page

22
BANK ADMIN REGISTRATION:

7.4 Bank Admin Registration

23
CUSTOMER REGISTRATION:

7.5 Customer Registration

24
SUCCESS MESSAGE AFTER REGISTERING:

7.6 Success Message After Registering

25
LOGIN AS ADMIN:

7.7 Login as Admin

26
ADMIN HOME PAGE:

7.8 Admin Home Page

27
ADMIN VIEWNG BANKADMIN REQUESTS:

7.9 Admin Viewing Bank admin Requests

28
LOGIN AS BANKADMIN:

7.10 Login as Bank admin

29
LOGIN AS CUSTOMER:

7.11 Login as Customer

30
CUSTOMER HOMEPAGE:

7.12 Customer Homepage

31
DEPOSITING AMOUNT INTO HIS ACCOUNT:

7.13 Depositing Amount into his Account

32
VIEW BALACE:

7.14 View Balance

33
TRANSFERING AMOUNT FROM ONE ACCOUNT TO OTHER ACCOUNT:

7.15 Transferring Amount

34
ADMIN REJECTING THE USER REQUEST:

7.16 Admin Rejecting the User Request

35
TRY TO LOGIN WITH REJECTED USER:

7.17 Trying to Login with Rejected User

36
 8. CONCLUSION AND FUTURE WORK

CONCLUSION:

The Multi Banking Transaction System Interface effectively addresses the growing need
for a unified banking platform in today's digital era, where individuals often maintain
accounts across multiple banks. By offering a centralized portal that enables users to
perform transactions, manage accounts, and view reports across different banks, the
system significantly enhances the convenience, efficiency, and security of digital
banking.
This solution eliminates the limitations of the existing banking environment, such as the
need to log in to multiple portals or manage various bank credentials. The system also
empowers administrators to manage customer and banker registrations efficiently, while
bank staff can seamlessly oversee transactions and customer accounts. The integration of
secure backend processes ensures that all transactions are conducted reliably and
transparently.
Overall, the Multi Banking System Interface contributes to the modernization of banking
infrastructure by simplifying operations for users and institutions alike.

FUTURE WORK:
While the current system provides a solid foundation for multi-bank interaction, there are
several areas where future enhancements could be incorporated:
 Mobile Application Integration: Developing a mobile app version of the
system to allow users to perform banking activities on the go with enhanced
accessibility.
 AI-Based Fraud Detection: Implementing artificial intelligence to monitor
transactions in real-time and detect suspicious activities or fraudulent behaviour.
 Support for International Banks: Extending support to global financial
institutions to provide a more inclusive solution for international account
holders.
 Biometric Authentication: Adding features like fingerprint or facial recognition
for enhanced security during login and transaction authorization.
 UPI and Wallet Integration: Integrating UPI systems and digital wallets for
quick peer-to-peer transfers and bill payments.
37
 9. BIBILIOGRAPHY

9.1 REFERENCES

[1] M. Vukolić, "The quest for scalable blockchain fabric: Proof-of-work vs. BFT
replication," International Workshop on Open Problems in Network Security, Springer,
Cham, 2015, pp. 112–125. DOI: 10.1007/978-3-319-39028-4_9.
[2] S. Nakamoto, "Bitcoin: A Peer-to-Peer Electronic Cash System," White Paper, 2008.
[Online]. Available: https://bitcoin.org/bitcoin.pdf
[3] A. Bansal, H. Arora, and A. Arora, "A Secure and Efficient Online Banking System
Using Biometrics and Encryption," International Journal of Computer Applications, vol.
179, no. 19, pp. 1–4, 2018. DOI: 10.5120/ijca2018916805.
[4] S. S. Manvi and P. Venkataram, "An agent-based approach for service-level
management in mobile computing environment," IEEE Transactions on Network and
Service Management, vol. 2, no. 3, pp. 9–18, 2005.
[5] A. Deore, V. Kadam, and S. Thakare, "Banking Bot Using NLP and AI,"
International Research Journal of Engineering and Technology (IRJET), vol. 6, no. 3,
2019, pp. 3353–3357.
[6] K. Jain and A. Saxena, "Secure Banking Transactions using Machine Learning,"
International Journal of Scientific & Engineering Research, vol. 10, no. 6, pp. 422–426,
2019.
[7] M. F. Ali, "Multi Bank Management System," International Journal of Trend in
Research and Development (IJTRD), vol. 5, no. 2, pp. 1–6, 2018.
[8] S. M. Jawale, S. V. Patil, and A. J. Deshmukh, "A Survey on Real Time Banking
System," International Journal of Computer Applications, vol. 154, no. 5, pp. 26–30,
2016. DOI: 10.5120/ijca2016912141.
[9] Reserve Bank of India (RBI), “Digital Banking in India – A Way Forward,” RBI
Publications, 2021. Available: https://www.rbi.org.in/
[10] National Payments Corporation of India (NPCI), “Unified Payments Interface
(UPI),” [Online]. Available: https://www.npci.org.in
[11] HDFC Bank API Banking, “API Portal Documentation,” HDFC Bank, 2023.
Available: https://apiportal.hdfcbank.com
[12] https://www.finextra.com – Financial Technology News and Banking IT Industry
Updates.
38
[13] https://www.business-standard.com – Articles on Banking and Digital Payments in
India.
[14] https://www.npci.org.in/what-we-do/upi/product-overview – Details on UPI
integrations for banks and customers.
[15] R. White and T. Anderson, "Banking Security using Two-Factor Authentication,"
Journal of Computer Security, vol. 20, no. 4, pp. 445–465, 2014.

39