In IT to Win IT

group members: Nemanja Raicevic, Bogdan Laban, Vasilije Radunovic

Our idea is to open an online account in order to avoid crowds in banks and waste a lot of time (opportunity cost).

1. First, it is necessary to create a database in which all information about users who open their accounts will be stored.(SQL LANGUAGE)

2.After the creation of the database, it is necessary to include security systems for tracking and storing the data.(McAfee system, Nagios, Firewall)

3.Through the smart console it is possible to monitor who accesses the network, who connects and who creates a bank account online.

4.Creating bank accounts online has a large number of advantages, even the impact on the environment and pollution.Instead of wasting fuel (polluting the environment), not having a parking space (obstructing traffic), not having time to wait in lines - use the latest online platform that is available 24/7.

Short explanation:

The user can access the bank's website through a browser and find "instructions for creating a bank account" there.He starts filling in his information and in the application he submits his email and phone number through which the account will be verified - the account will be verified from the user's side, but not from the bank's side (the bank will check - whether it is an existing client or a fake one profile)

1.In the application, you will be asked to enter your business email so that the bank can check whether you really work there and whether you receive income from that company, so that time is not wasted checking your business status.

2.Of course, the user can enter any phone number and create a fake bank account, but this will be regulated in several ways.

2.1 The first way is for the user to enter the official number of the company where he works in order to perform a check based on that.

2.3 Does that number already exist in the bank's database?

3.The bank needs to create a strategy and connect with institutions that have a large amount of information about the citizens of Montenegro in order to more easily control the creation of online bank accounts and suppress abuse.

Another advantage of online bank accounts is that it is not necessary to employ an additional number of people at the counters, which greatly facilitates the work of banks and their functioning.

After this project would come to life in Montenegro, the entire Balkans could be connected in a similar way.

Points:

1.First, it is necessary to hire people who will assess the market and whether clients are ready to move to the online platform.

2. After checking the market, it is necessary to make surveys that will be filled out by the users, how this problem should be approached and what bothers them in this area of security (hear their voice).

3. Put together a team that will work on developing web applications, android applications and IOS applications.

4. After creating applications, it is necessary to train the people who will test those applications.

5. A database is being created for applications that will be used to open bank accounts (this database will be connected to the central database - only that this database will be connected to the online platform and monitor access)

6.After creating the database and applications that will be put into operation - the mcafee and nagios system is introduced to protect users and their data.

7. Accounts, network connection and database will be managed through the smart console.(e-mails and phone numbers of users who want to create an online bank account will also be protected there)

Members and skills:

Bogdan Laban is a specialist in databases and cloud computing(works for a Russian cloud computing company)

Vasilije Radunovic is a specialist in creating web applications, android applications and IOS applications

and work on it.

Nemanja Raicevic is advisor for cyber security, Ministry of Public Administration

In what way is it possible to reach the client:

1.Introduce existing clients to the application through numbers and e-mails from the database

2.Train your employees so they know how to share information with users

3.Through social networks, browsers, through companies with which you are partners, free seminars, through newspapers and televisions, and in this way you reach all clients.

Marketing plan:

1. It is necessary to make a plan on how to connect the online platform with waiting in lines, no fewer parking spaces and environmental protection, and in this way present this product as the best for customers who want to be loyal.

2.It is necessary to create a marketing plan for loyal customers and reward them with online bank accounts without filling in and waiting. So that they could use their account more easily.

Novelties:

On online platforms it is possible to introduce the exchange rate list, follow the news regarding loans published by the bank and observe the interest rate that changes over time.

If this online profile system were to succeed in Montenegro and prove to be a good solution, it would be possible to implement it throughout the Balkans and eventually connect all banks to the Central Bank, which will deal with data and cyber security