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III. Building planning e-banking and e-commerce in VPBank

III. Building planning e-banking and e-commerce in VPBank

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General requirements about products and services is diversification, support ecommerce development and business strategy of the Bank. The following

products are required and not required



2. Solution Selection



The requirements of business strategy basis of the Bank and architectural

requirements of the technology, the project team for analysis of the technology

platform for the development of e-banking is the major partner Oracle, IBM,

Microsoft, Here are 3 partners providing leading technology platform for

organizations to develop information technology solutions in general including

e-banking solutions.

Technology platform that enables enterprises and build customized solutions

according to the business strategy of their own. With applications e-banking

Oracle, IBM, Microsoft firm is not writing specific solutions they build out the

framework for the partnership as well as businesses can develop, customize

according to business problems of your business.

As noted above, the bank has set a business strategy above, from which to build

e-banking solutions to meet the business problem we focus our analysis,

compare the following factors

8



-



System Architecture

Openness to the development of new products and services in future

Ability to operate after administration put into the operation system

Compatibility, system integration, connecting to partners …

Cost of initial investments as operating costs for next year

….



The research

criteria



Oracle



IBM



We can say right, this is

a



leading



technology



company providing the

technology platform for

the



development



of



information technology

applications, but here we

Architecture



see Oracle has been



system



providing



strong



IBMis



Microsoft

also



technology, with names huge

technology



platform technology



for the development of companies,

e-banking solutions to Microsoft



modern

oriented



oriented



architecture reaction



SOA services



development is one

Oracle, IBM ... So

product



to



development

platform



service



for



e-



banking which team



architecture



is also completing

full meet



to



the



The



development



businesses to develop



platform



allows



of



new customized products and



products



and services to serve their



services



in business problems



future

Ability



to -



operate



and



of the competitors of



(SOA)

Openness



also



technology developing a similar



e-banking.



Technology



is



modern



partner organizations to

solutions



computing



of the world's leading company, all other



technology platform for

develop



big Microsoft is also a



after



To



day,



technology



Openness to meet the Openness to meet

customization



products and services products

fully meet



Oracle IBM's

is



of the customization of

services fully meet



technology Microsoft



a platform is considered technology

9



and



is



modern

popular

thus



technology



serves



human



resources to operate,

develop it easy to find

put the system



this factor is quite



into operation



favorable



for



businesses



choosing



technology, popular technology



high stability however globally, taking very

the popularity of the high

Vietnam



market



popularity,



for however



when



products used for the deploying

development



of



large



e- numbers of systems



banking is not so much serving less stable

popular



human



this technology.

resources finding no

- Oracle's technology

more difficult than other

platform is stable high

technologies

Oracle using serviceoriented



Compatibility,

system



SOA and Services Bus,



High popularity, has



which is the technology Interoperability,



the ability to connect



that



all



of



information



integration,

connecting



architecture



to



partners …



between



the connected



the easily



to



exchange system through flexible partners



systems



converted



to



into



exchanged



and technological



transactions

of



ewhen



other used in building the



with each other over a partners



programs



common



banking



so



in



be partner ... with the commerce



messages equivalent

bus



other



to



like



e-



clarify routing and Ken

Initial



connector

- Cost

of



investment

costs as well as



-



license is expensive

Labor

costs

is

cheaper



operating costs



software -



due



commonality



for next year

-



The



software We can say with



copyright



cost



is Microsoft



expensive because technologies



to



and



it is one of the universal technology



of



human resources

Hardware

costs

comparable to other

partners



modern technology so the cost items are

Development costs

cheaper than other

are quite expensive,

comparable firms

due to its popularity

in Vietnam not so



10



-



Expenses



for



low



popular



annual operating



mainly



human resources to

-



hire from abroad

Cost of hardware

similar



to



the



technology used by

-



the other partner

Annual operating

costs is high, due to

non-proliferation of

human resources



On the basis of comparative research on technology's major partners serving

technology e-banking platform deployment above criteria to meet strategic business

and ecommerce proposals selected group of Oracle technologies to deploy. Calculated

on the basis of cost and deployment as the table below:

 Cost

Date

of

labor



#



Items



A



Initial Investment

Hardware costs (Servers, storage)



$640,058

$92,000



Base cost

Portal License

Service Bus License

Authentication License

Database License

Deployment &development date of 820

labor

Annual maintenance costs

Server & Infras maintenance & support

Software

license

(maintenance&

support)



$548,058



I



II



III

B

1

2



Contingency (15%)

Total Cost



Total price



$67,573

$23,000

$44,573

$96,009

$736,067



 Implementation plan

11



Note



The security appliance,

router routing system,

transmission line, using

the available platform



The first maintenance

costs is free, from the

2nd year will take

charge

Not excluding VAT



IV.



Planning e-commerce activities on e-banking platform after deployment

1. Goals

- To promote e-commerce activities via online payment channels.

Strengthening links, connections to trading partners such as supermarkets,

-



restaurants, nationwide

Taking online payment channels as e-banking, ATM, POS … The main



-



subject of the trade settlement between the parties

With the bank's services, expand direct sales channels, mobile channels



instead of the traditional.

2. The deployment activities

a) Expand direct sales channels via electronic banking services

- Promote the individual customers development use to the ATM card

products, InternetBanking ... here is the premise for the development of ecommerce with individual customers and businesses. This product is the

-



usual banking services are provided in electronic banking platform

Open the promotions, to encourage customers to use these products online as



online consumer loans, online savings …

b) Development on the channel connect with partners

12



-



Budget collection channel, as collecting taxes, charges, fees and other

revenues on Budget for customers filed into the State Treasury, Department



-



of Taxation.

Links and integrates consumers through social networking sites is a trend (in

Vietnam, however there is no clear legal framework for the use of social

networking but this is a trend Bank of the future should be available for the



-



foreseeable future)

The paid channels electricity, water, telephone charges paid …

Channel connections to the securities company

Develop channel connect to partners payment as supermarkets, restaurants as

BaoKim, Nganluong, OnePay, Payoo … To promote online transactions



References:

1. Text book: Management Imformation System

2. Strategic Management and Information Technology – John Wiley& Sons, Inc.



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