FINAL REPORT

A REPORT ON
Project YONO by SBI

By:
AAYUSH KAUSHAL
Roll no: J021
MBA Tech Electronics and Telecommunication

At:
IBM
 CONTRACT:

A REPORT ON
Project YONO by SBI

By:
Aayush Kaushal
MBA Tech Electronics and Telecommunication

A Report submitted in partial fulfilment of the

requirements of 5 years Integrated MBA (Tech) Program
of Mukesh Patel School of Technology Management &
Engineering, NMIMS

Project Lotus – YONO by SBI

 Report submitted in the partial fulfillment

Of

Master of Business Administration-Technology Management

In

Electronics and Telecommunications Engineering

By

Aayush Kaushal (J021)

Under the supervision of

Rampal Singh
(DGM – IT Projects, IBM)

Swati Bairagi
(Assistant Professor, EXTC Department, MPSTME)

SVKM’s NMIMS University

(Deemed-to-be University)
 SVKM’s NMIMS
Mukesh Patel School of Technology Management & Engineering
Vile Parle (W), Mumbai - 400 056.
TECHNICAL INTERNSHIP REPORT Semester VII – MBA (TECH)

Submitted in Partial Fulfillment of the requirements for Technical

Project/Training for VII Semester MBA – (Tech).
Name of the Student :
Roll No.: & Batch :
Academic Year:
Name of the Discipline:
Name and Address of the Company:

Training Period: From To

THIS IS TO CERTIFY THAT

Mr./Ms.______________________________________________________________
_________
Exam Seat No. has Satisfactorily Completed his/her
Training/Project Work, submitted the training report and appeared for the
Presentation & Viva as required.

External Examiner Internal Examiner Head of Dept.

Chairperson/Dean
Date:
Place:
Seal of the University
 ACKNOWLEDGEMENT

The success and outcome of this project required a lot of guidance and assistance
from many people and I am extremely privileged to have got this all along the
completion of my project. All that I have done is only due to such supervision and
assistance.
 

I respect and thank Mr. Rampal Singh, for providing me an opportunity to do the
project work in Navi Mumbai and giving me support and guidance, which made me
complete the project duly. I am extremely thankful to him for providing such a nice
support and guidance, although he had busy schedule managing the corporate affairs.
  

I am thankful to and fortunate enough to get constant encouragement, support and

guidance from all Department Heads who helped me in successfully completing my
project work. Also, I would like to extend my sincere esteems to all the employees for
their timely support.

Aayush Kaushal
MBA.Tech. (EXTC)
Roll No. J021
 ABSTRACT

The project that I am working on is based on digital banking solution provided for a
company (client) working in banking domain. The goal of the company is to provide a
software which will assist their customers in achieving the digital banking dream, all
at one place, in best possible manner.

The purpose of this project is to provide a digital banking platform so that the client
can provide all their important services to their customers from only one application
so that the user does not have to use multiple applications for their daily routine. They
can use all these services from only one application.
 Table of Contents

Topics Page

List of Figures i
List of Tables ii
Abbreviations iii

Chapter 1: Introduction 1
1.1 Introduction to the Industry 1
1.2 Background of the Project 4
1.3 Motivation and Scope of the Project 5
1.4 Salient Contributions 7
1.5 Organization of Report 12

Chapter 2: Literature Survey 13

2.1 Introduction to overall topic 13
2.2 Scope of Literature Survey 15

Chapter 3: Problem statement 18

Chapter 4: Methodology 19

Chapter 5: System Analysis 23

5.1 Existing System 23
5.2 Proposed System 24

Chapter 6: Software Description 25

6.1 Testing 26
6.2 UI 27
 6.3 Development 29
6.4 Analysis 30

Chapter 7: Testing Results 31

Chapter 8: Advantages, Limitations and Application 33

8.1 Advantages 33
8.2 Limitations 34
8.3 Applications 35

Chapter 9: Conclusion and Future Scope 36

References
List of the figures:

Fig. No. Name of the figure Page

No.
1. FSS Structure 6
2. Feature Comparison 9
3. Account Opening 10
4. Branch to Server Process 11
5. Project Flowchart 19
6. Test Life Cycle 21
7. Defect Management in Testing 22
8. HP ALM Workflow 26

List of tables:
Sr. No. Name of Table Page No.

1. Literature Survey 15

ii

List of Abbreviations:
Abbreviations Full form of Abbreviation

YONO You Only Need One

IBM International Business Machines
RISC Reduced Instruction Set Computer
SQL Structured Query Language
SBI State Bank of India
OMP Online Market Place
FSS Financial Sector Services
API Application Programming Interface
UI User Interface
IIB IBM Integration Bus
TCL Tool Command Language
PHP PHP: Hpertext PreProcessor
ETL Extract, Transform and Load
BRS Business Requirement Specification
SIT System Integration Testing
UAT User Acceptance Testing
ISD Integrated System Diagnosis
PREPROD Pre – Production
PROD Production

iii
 Chapter 1

Introduction

1.1 Introduction of the Industry

IBM (International Business Machines Corporation) is an

American multinational technology company headquartered in Armonk, New
York, United States, with operations in over 170 countries. The company
originated in 1911 as the Computing-Tabulating-Recording Company (CTR) and
was renamed "International Business Machines" in 1924.

IBM manufactures and markets computer hardware, middleware and software,

and provides hosting and consulting services in areas ranging from mainframe
computers to nanotechnology. IBM is also a major research organization, holding
the record for most U.S. patents generated by a business (as of 2018) for 25
consecutive years.

Nicknamed Big Blue, IBM is one of 30 companies included in the Dow Jones

Industrial Average and one of the world's largest employers, with (as of 2016)
nearly 380,000 employees. Known as "IBMers", IBM employees have been
awarded five Nobel Prizes, six Turing Awards, ten National Medals of
Technology and five National Medals of Science.

1
The FORTRAN scientific programming language was developed. In 1961, IBM
developed the SABRE reservation system for American Airlines and introduced
the highly successful Selectric typewriter. In 1963, IBM employees and
computers helped NASA track the orbital flight of the Mercury astronauts. A
year later, it moved its corporate headquarters from New York City to Armonk,
New York. The latter half of the 1960s saw IBM continue its support of space
exploration, participating in the 1965 Gemini flights, 1966 Saturn flights and
1969 lunar mission.

Product & Service

IBM has a large and diverse portfolio of products and services. As of 2016, these
offerings fall into the categories of cloud computing, cognitive
computing, commerce, data and analytics, Internet of Things (IoT), IT
infrastructure, mobile, and security.
IT outsourcing also represents a major service provided by IBM, with more than
40 data centers worldwide. AlphaWorks is IBM's source for emerging software
technologies, and SPSS is a software package used for statistical analysis.

Research

Research has been a part of IBM since its founding, and its organized efforts
trace their roots back to 1945, when the Watson Scientific Computing Laboratory
was founded at Columbia University in New York City, converting a renovated
fraternity house on Manhattan's West Side into IBM's first laboratory. Now, IBM
Research constitutes the largest industrial research organization in the world,
with 12 labs on 6 continents.  IBM Research is headquartered at the Thomas J.
Watson Research Center in New York, and facilities include the Almaden labin
California, Austin lab in Texas, Australia lab in Melbourne, Brazil lab in São
Paulo and Rio de Janeiro, China lab in Beijing and Shanghai, Ireland lab in
Dublin, Haifa lab in Israel, India lab in Delhi and Bangalore, Tokyo lab, Zurich
lab and Africa lab in Nairobi.
 2
Famous inventions and developments by IBM include: The Automated teller
machine (ATM), Dynamic random-access memory (DRAM), the electronic
keypunch, the financial swap, the floppy disk, the hard disk drive, the magnetic
stripe card, the relational database, RISC, the SABRE airline reservation
system, SQL, the Universal Product Code (UPC) bar code, and the virtual
machine. Additionally, in 1990 company scientists used a scanning tunneling
microscope to arrange 35 individual xenon atoms to spell out the company
acronym, marking the first structure assembled one atom at a time. A major part
of IBM research is the generation of patents. Since its first patent for a traffic
signaling device, IBM has been one of the world's most prolific patent sources.
In 2018, the company holds the record for most patents generated by a business,
making 25 consecutive years for the achievement.
 3
1.2 Background of the project topic

The client (SBI) requirement is they want to build an application which can do
all activity all in one. To achieve these dreams, they have to integrate possibly all
the service into one application because currently there is no such application
which can do daily activity in only one application.

Client wants to integrate banking service into an application where user can
perform banking operations like creating a digital account, creating an instant
account, daily financial activity like fund transfer, creating fixed deposit, paying
for fixed deposit, user can do spend analysis, download or email transaction
statement.

Client also wants to attract many customers so that they can increase their
business, they want to integrate shopping, travelling, booking facility so that user
can do all their needy things from only one application.

The problem is to integrate all banking activity like digital account opening &
functional services into only one application.
 4
1.3 Motivation and scope of the report (in paragraph form)

To analyze the current working of the SBI to understand the goals of their Customers.
To analyze the requirements and to make feasible the goals of the customer with the
help of an application.

The system should be able to make possible every desire of the user, i.e. from a
transaction that the user will perform in a day to the summarization and reporting the
management desires.

SBI is a global leading financial and public sector bank which provide banking and
financial service to people. SBI has a highest account holding customers in India. To
provide reliable service to these many customers is a big challenge. Integrating too
many services into one is a major objective and to give these services to all customers
across world and provide a platform is a major objective.

Through current business process, by providing a platform for all these services,
operational efficiency can improve. By way of facilitating Customer instant and
digital account opening journey, and financial service can give customer delightful
experience.

The client requirement is they want to build an application which can do all activity
all in one. To achieve these dreams, they have to integrate possibly all the service into
one application because currently there is no such application which can do daily
activity in only one application.

Client wants to integrate banking service into an application where user can perform
banking operations like creating a digital account, creating an instant account, daily
financial activity like fund transfer, creating fixed deposit, paying for fixed deposit,
user can do spend analysis, download or email transaction statement.
Client also wants to attract many customers so that they can increase their business,
they want to integrate shopping, travelling, booking facility so that user can do all
their needy things from only one application.
5
The problem is to integrate all banking activity like digital account opening &
functional services into only one application and compile multiple reports to analyze
them properly.

The application should be able to provide following services

1. Fund Transfer
2. Bill payments
3. Find and apply for credit cards
4. Shopping, booking (OMP)
5. Buy an insurance policy, pay for Insurance
6. Deposits
7. Open a Digital account
8. Open an Instant Account
9. Apply for Home loan, pay for Home loans
10. Buy Mutual Funds

Credit Card Insurence

FSS
Mutual Funds Loans

Fig 1
Analysis is done so that the performance of the software at various stages can be
recorded and making notes on additional requirements. Analysis is very important to
know that the developed application works as per the requirement and which all
features can be added or removed from the application based on the response it
receives.

6
1.4 Salient contribution

 Introduction

To achieve the goal of stable and robust application which has so many modules
integrated into it. Assigned a role in testing team. To test the YONO is a very
big challenge because there are lot of interdependency of services on each
another like pan service, Aadhar service, SBI main database service, cloudant
service is a big challenge.

 Account Opening Journey

a. Regular Savings Account: -

Regular Saving Account which is done at the branch. The customer goes to the
branch with his details and all the information is entered in the forms by the
maker (Designation lesser than level 5). it is then sent to the checker
(designation more than level 5). the checker compares the data entered in the
form with the physical documents of the customer. If there is a mistake, it has to
go back to the maker for the required amendments. The maker has the ability to
edit the data, the checker doesn’t.  The checker has more authority which mean
she can decide if the customer should be given an account or not depending on
their status.
 7
b. Digital Account

Digital Account is self-assisted and also done at the branch. the customer logs in
to the YONO app/website and fills in his details. he then receives a
token/reference number which he then shows to the maker at the branch. The
maker logs in on the branch portal and enters the code. All the data filled in the
customer is presented to the maker, maker then compares the data with the
actual documentation. If it matches, then it is sent to the checker.
After the checker gives the approval, the data is transferred to the API
(Application Programming Interface). The API segregates the data and
distributes it in the main SBI database according to its category.

Features of Digital account opening:

i. User can create this account from YONO application. Verification has to be
done at the bank.
ii. The reference number is valid for 15 days.
iii. Aadhar is mandatory for this account opening.
 8

Fig 2
9
Fig 3.
 10

Data from
Branch

API

DEPT. ! DEPT. 2 DEPT. n

Fig 4.

API: Segregates the data into the different departments of the SBI main
database.
 11
1.5 Organization of report

1. Introduction: A brief flow and background of the project company along

with a brief explanation of the project.
2. Problem Statement: Explaining what the problem is and what are the
requirements given by the customer and what all things can be offered to
the client.
3. Methodology: The procedure in which the project goes about its execution,
the processes involved.
4. System Analysis: It describes the current state of the system and the
proposed system. This helps in distinguishing the requirements to stay on
schedule.
5. Software requirements: All the softwares required and what are they used
for in the whole project.
6. Testing and Results: The procedure of the project is explained in brief. The
steps in the process from development to testing and UI and then Analytics
and the final delivery of the product.
7. Advantages, Limitations and Application: This section clarifies what the
project will achieve and what it cannot. This helps in describing
boundaries which help in further development when the technology
advances.
8. Conclusion and future scope: describing what all was achieved by the
implication of the project in the world and what difference did it make.
The scope describes what all advancements can be made to the system in
the future for more functionality.
 12

Chapter 2
Literature Survey

2.1 Introduction to overall topic

A literature review involves the review of the previous study that has been carried out
in reference to the same subject.

A Literature review can help us better understand:

(i) To learn what has been studied in the past.
(ii) To save time on trying to conduct a primary search, when the topic may
have already been studied.
(iii) To understand the opinion expressed by the experts and researchers
In the today’s fast-growing world of the Internet customer wants to get products to be
implemented and updated faster than their competitors. Customer want more for
software releases with new features to be implemented in short time frame (as early as
possible), but they don’t like to work with defected software. As next version of the
product will release in next few days & gets only a couple of days of testing before it
is shipped. So due to this short time frame or continuous releases the more bugs get
piled up into the products and which gets fixed in the next release, correct? Yes
definitely, this model has its own problems. Releasing such software with so many
bugs into it may affects the user experience which makes bad impact on quality
impression of your company brand. They will remember about the delivered bad
quality product, so there will be Importance of testing which makes vital role in
SDLC.

Usually software testing is considered as one phase of the software development life
cycle. There’s something to be said for including testing in all phases, however. Let’s
take a look at what the advantages are and how this approach could improve your
software development. Software Testing is the process of finding bugs in the software
& make the software bug free.

13

In the software development life cycle (SDLC) the Testing is plays an importance
role, which helps to improve the quality, reliability & performance of the system with
all check what all functions software supposed to do & also check that Software is not
doing what he not supposed to do.

There are major Importance of testing in the part of SDLC and it is better to introduce
testing in the early stage of SDLC phases, so it helps to identify the defects in the
early stage & try to avoid the bugs finding & get resolve in the last critical stage.
We can take other simpler examples to clear why testing is important. In the Bank
software think if showing zero instead of thousand in the balance amount field due to
bug in the banking software or in the student mark sheet student got good mark but
system showing the incorrect results due to bug in the student result software. If
software will show some error message or notification instead of wrong result in case
of system error that could be better option to use.

The project uses hybrid technology so that user can get same interface in mobile app
as well as in web.
 14

Sr. No. Topic of Research Paper Conclusion

1. A Review on Web Application Tools for assessing the non-
Testing and its Current Research functional requirements in general
Directions are less where non-functional
requirements actually play a key
role in customer retention and
popularity of the web
application.
Compatibility testing of web
applications is quite challenging
and an area of
growing concern where not much
progress is seen in the earlier
works. There is a dire need for a
testing
strategy for testing such non-
functional requirements.

2. Software product line testing This paper has presented an

analysis of the current state of the
art in software product lines
testing, linking them with recent
research in software testing. In
general, SPL in Software
Engineering is a young discipline,
but a very promising one, proving
that most of the results and
 benefits obtained from SPL can be
extrapolated to other
methodologies or development
paradigms.
3. Software Testing Best Practices This report lists 28 best practices
that contribute to improved
software testing. They are not
necessarily related to software
test tools. Some may have
associated tools but they are
fundamentally practice. The
collections represent practices
that several experienced software
organizations have gained from
and recognize as key
4. Towards a Reference Architecture The systematization of the testing
for Software Testing Tools tools development is
a real need of the testing research
community. In special, this work
contributed
with the establishment of the
testing tools core and also with
a new point of view about how to
address modules that implement
crosscutting concerns. It is
important to highlight
that the use of aspects to develop
and integrate these modules is
another important contribution of
this work.
5. Preparing Data for Analysis Using If the data entered into your
Microsoft Excel statistical program have errors,
many analyses you perform will be
wrong. To increase your chance of
 entering your data correctly into
the computer, you must develop a
data management strategy. This
article described guidelines for
creating such a strategy and
provided information on bow to
use Microsoft Excel as your data
entry tool. The guidelines
described here, if followed, will
help you create a cleaner, more
accurate, and more appropriate
data set that is well designed to
answer research questions. The
Appendix illustrates how these
techniques can be implemented in
Excel.
6. To date platforms such as
Basic statistics with Microsoft
Microsoft Excel exist, which
Excel: a review
simplify the processing and
management of data through the
use of spreadsheets. We want to
emphasize the importance of
understanding the meanings of
media, median, frequency
distribution and all the statistical
concepts that anyone who uses a
spreadsheet should know. Many
errors in data interpretation result
from a lack of knowledge of the
mathematical bases of statistical
concepts. Understanding it
minimizes the chances of improper
use of computer media and allows
 you to show more accurate,
reliable, and verifiable results.

17

Chapter 3
Problem Statement

The client requirement is they want to build an application which can do all activity
all in one. To achieve this dream, they have to integrate possibly all the service into
one application because currently there is no such application which can do daily
activity in only one application.

Client wants to integrate banking service into an application where user can perform
banking operations like creating a digital account, creating an instant account, daily
financial activity like fund transfer, creating fixed deposit, paying for fixed deposit,
user can do spend analysis, download or email transaction statement.

Client also wants to attract many customers so that they can increase their business,
they want to integrate shopping, travelling, booking facility so that user can do all
their needy things from only one application.

The problem is to integrate all banking activity like digital account opening &
functional services into only one application.
 18

Chapter 4

Methodology

A problem can be worked out in many ways but a hierarchal manner to solve a
problem streamlines the work. In the project, a hierarchal format is used to go about a
problem. Figure 1.1 shows the format.
 Fig 5.
19
Web Testing in simple terms is checking your web application for potential bugs
before it is made live or before code is moved into the production environment.
During this stage issues such as that of web application security, the functioning of
the site, its access to handicapped as well as regular users and its ability to handle
traffic is checked.
Different types of testing:

1. Functionality Testing - This is used to check if your product is as per the

specifications you intended for it as well as the functional requirements you
charted out for it in your developmental documentation. Links (Outgoing,
internal, anchor, MailTo), Forms, Cookies, HTML/CSS, business workflow.

2. Usability Testing - Navigation and Content are tested.

3. Interface Testing - Three areas to be tested here are: Application (Test requests
are sent correctly to the Database and output at the client side is displayed
correctly. Errors if any must be caught by the application and must be only
shown to the administrator and not the end user), Web Server (Test Web
server is handling all application requests without any service denial),
Database Server (Make sure queries sent to the database give expected
results).

4. Database testing - Test if any errors are shown while executing queries. Data
Integrity is maintained while creating, updating or deleting data in database.
Check response time of queries and fine tune them if necessary. Test data
retrieved from your database is shown accurately in your web application.

5. Compatibility testing - Browser and OS are tested for bugs and sustainability.

6. Performance testing - response times, loading times, stress test at peak times,
recovery time from crashing.  

20
7. Security testing - Unauthorized access testing, session time killing
functionality, SSL certificates.
8. Crowd testing - You will select a large number of people (crowd) to execute
tests which otherwise would have been executed a select group of people in
 the company. Crowdsourced testing is an interesting and upcoming concept
and helps unravels many unnoticed defects.

Test life cycle:

Lifecycle in simple term refers to the sequence of changes from one form to other
form. These changes can happen to any tangible or intangible things. Every entity has
a lifecycle from its inception to retire / demise.

In a similar fashion, Software is also an entity. Just like developing software involves
a sequence of steps, testing also has steps which should be executed in a definite
sequence.

This phenomenon of executing the testing activities in a systematic and planned way
is called testing life cycle.

Software Testing Life Cycle (STLC) is defined as a sequence of activities conducted

to perform Software Testing. Contrary to popular belief, Software Testing is not a just
a single activity. It consists of a series of activities carried out methodologically to
help certify your software product.

Fig 6.
21
Defect Management in Testing:

It is fact that it will not be possible to eliminate all defects from the software. While
defects may be inevitable, we can minimize their number and impact on our projects.
To do this, project management team needs to implement a defect management
process (DMP) that focuses on preventing defects, finding defects as early as possible
in the process, and minimizing the impact of defects.

Defect
Prevention

Baseline
Delivery

Defect
Discovery

Defect
Resolution

Process
Improvement

Fig 7.

22

Chapter 5

System Analysis
5.1 Existing system

There was no existing module for the digital account opening. This module
was conceived as a part of new phase of digital banking. There was no existing
system for booking and shopping through SBI.

Prior to this module there was usage of spreadsheet or some other software.
This meant the data for this purpose was not always into one system and thus
created following problems.

1. Distributed view of business – The business was having different source of

data and thus the consistency of the same was difficult to maintain.
2. Large size of client – Being a client with lots of branches and time zones to
manage the size of client made an issue in coordination with each other
varying in needs.
3. Time consuming – The process of was not working smoothly as the whole
system was perform at branch.
4. Different data sources – The data source for each module differed because of
lack of centralization like Cloudant, Filenet .

23
5.2 Proposed system

The proposed solution is to provide an application which fulfil client need as

well as customers need. Which help to grow business for client. It has various
roles which allows various user stories to play. It involves the following roles:
1. The Digital account tab helps user to create digital account on their fingertip,
in which user create a reference number on YONO and do the further process
on the bank.
2. Second tab helps when a regular account holding customer want to create a
digital account. In this there is way defined to identify weather a customer is
existing customer or new customer.
3. Third tab is a process by YONO to create a regular account in SBI. This
process completely takes place in branch, but YONO defines new way for SBI
to open a regular account
4. Technical management: -services like IIB (IBM Integration Bus), SBI main
database, Cloudant, are decided to use in this process to achieve this goal.
5. Agile development- Both parties SBI and IBM decides to follow agile
development model for this development.

24

Chapter 6

Software Description
The following is a brief outline of the technology requirements for any proposed
solution. The technology requirements take into consideration for development of
YONO infrastructures which allowing solution providers some flexibility in their
solution designs.

Technical requirements
1. The proposed solution for account opening journey should run in IE system
because in all SBI branches use IE (Internet Explorer).
2. A desktop application meeting the business requirements with network
connectivity is expected.
3. For development of a mobile application hybrid design is take into consideration
so that objectives can be get achieved.
4. Cloud and server should be used to store information.
5. The transactions which perform in night mode should be secure and robust, so the
following transaction get completed in next working day.

Functional requirements
1. The application should be user friendly.
2. The application should cover all the user needs.
3. The standard UI should be seen in all the modules on the application like laptop,
desktop, tablet, mobile.
4. The user experience should not vary too much while using this application.

25
About the softwares used to make the application:

Testing:
 1. JIRA - JIRA Software is an issue and project tracking tool designed for
software development teams of all size, across all industries. Backed by over a
decade of experience, the newly released JIRA Software combines JIRA’s
historically popular workflow mapping and issue tracking with several agile
development capabilities.

2. HPALM - HP ALM (Application Life Cycle Management) is a web-based

tool that helps organizations to manage the application lifecycle right from
project planning, requirements gathering, until Testing & deployment, which
otherwise is a time-consuming task.

Fig 8.

26

UI:
1. Visual Studio Code - Visual Studio Code is a source code editor developed
by Microsoft for Windows, Linux and macOS. It includes support for
debugging, embedded Git control, syntax highlighting, intelligent code
completion, snippets, and code refactoring. It is also customizable, so users
can change the editor's theme, keyboard shortcuts, and preferences.

2. Angular - AngularJS is a JavaScript-based open-source front-end web

framework. It aims to simplify both the development and the testing of such
applications by providing a framework. to decouple the client side of an
application from the server side. This allows development work to progress in
parallel and allows for reuse of both sides. to provide structure for the journey
of building an application: from designing the UI, through writing the business
logic, to testing.

3. Notepad++ is a text editor and source code editor for use with Microsoft
Windows. It supports tabbed editing, which allows working with multiple
open files in a single window. The project's name comes from the C increment
operator.

4. Grunt - Grunt is a JavaScript task runner, a tool used to automatically perform

frequent tasks such as minification, compilation, unit testing, and linting. It
uses a command-line interface to run custom tasks defined in a file (known as
a Gruntfile).it is written in node.js

5. Jenkins helps to automate the non-human part of the software development

process, with continuous integration and facilitating technical aspects of
continuous delivery. It is a server-based system that runs in servlet containers
such as Apache Tomcat.

27

6. IBM Foundation provides an open, comprehensive, and advanced mobile

application platform for smartphones and tablets. It helps organizations of all
sizes to efficiently develop, test, connect, run, and manage mobile applications
 (apps). Using standards-based technologies and tools, IBM Foundation
provides an integrated platform that includes a comprehensive development
environment, mobile-optimized runtime middleware, a private enterprise
application store, and an integrated management and analytics console, all
supported by various security mechanisms.

7. Websphere (app server) – These are IBM software. These software products
are used by end-users to create and integrate applications with other
applications.

8. Apache HTTP (web server) - Apache supports a variety of features, many

implemented as compiled modules which extend the core functionality. These
can range from authentication schemes to supporting server-side programming
languages such as Perl, Python, TCL and PHP.

28

Development:
 1. Eclipse - Eclipse is an integrated development environment (IDE) used in
computer programming, and is the most widely used Java IDE. It contains a
base workspace and an extensible plug-in system for customizing the
environment. Eclipse is written mostly in Java and its primary use is for
developing Java applications, but it may also be used to develop applications
in other programming languages via plug-ins.

2. Maven, also called Apache Maven, is a software for project management and
comprehension. Based on the POM or project object model concept, Maven is
helpful in the management of builds, dependencies, documentation, releases,
reporting, SCMs, and distribution.

3. Java with spring for core technology - The Spring Framework is an

application framework and inversion of control container for the Java
platform. The framework's core features can be used by any Java application,
but there are extensions for building web applications on top of the Java EE
(Enterprise Edition) platform. Although the framework does not impose any
specific programming model, it has become popular in the Java community as
an addition to, or even replacement for the Enterprise JavaBeans (EJB) model.

29

Analysis:
1. IBM InfoSphere DataStage - ETL Data Stitch for data development- extract,
transform, load (ETL) is the general procedure of copying data from one or
more sources into a destination system which represents the data differently
from the source(s).

2. IBM InfoSphere Architect - is a collaborative enterprise data modeling and

design solution that can simplify and accelerate integration design for
Business Intelligence, Master Data Management and Service-Oriented
Architecture initiatives. Data Architect enables you to work with users at
every step of the data design process, from project management to application
design to data design. The tool helps to align processes, services, applications,
and data architectures

3. Cognos- Cognos is IBM's business intelligence (BI) and performance

management software suite. The software is designed to enable business users
without technical knowledge to extract corporate data, analyze it and assemble
reports.

30
 Chapter 7

Testing and Results

SBI’s YONO application was unveiled in November 2017. Since then the application
has been available on the Android Play Store and the Apple App Store. IBM
maintains the application and adds new features to the application as per the
requirement of SBI and the end user client. Constant work is put in data gathering and
execution of the requirements.

Constant updates include updating the user interface and the better integration of all
the services provided. The time required for the update to be implemented depends on
the priority of the update and the research and development required for that specific
requirement.

The requirement must be the same for the client and the company to decide the BRS
(Business Requirement Solutions). The requirement is then given to the development
as well as the Testing team. The development team decides the High level and low-
level designs. High level designs involve the framework and low level involve the
coding language and the software to be used. On the other hand, the testing team
frames the parameters on which the product must be tested before rolling out the
feature in the production version. Once the development team submits the product to
the testing team, rigorous testing and communication with the development team
flushes out the bugs.

The testing team tests the software in secure environments to find bugs before it is
rolled out. There are different platforms in a testing process. First the software is
tested in the SIT (System Integration Testing) environment. The SIT team would find
about 90% of all the bugs and clear them out with the development team. Once given
a green flag from the SIT team, the software is tested by UAT team (User Acceptance
Testing).
 31
They have a different approach making them find more bugs. This makes the system
95% bug free. Then the software is tested by the ISD team (Integrated System
Diagnostics). After this Preprod and Prod testing are implemented. SIT, UAT and ISD
testing are done with dummy data in a secure environment. Preprod and prod use real
data and it is not in the secure environment, these testing occurs when the website/app
is up and running. these testing flush out the last of the bugs.

Then trial version is launched, the analytics team gathers data depending the response
the feature gets and how much is the feature affecting the overall functioning of the
application. After the analysis team prepares a report which is as per the client’s
requirements. The final product is implemented in the application or the website.
 32
Chapter 8

Advantages, Limitations and Applications

Limitations:

 Integration with Social Login/Media is missing – The lack of Social or Media

login indicates that the user must create a new ID for the app or webpage and
remember the credentials. Social Media login reduces the task by not remembering
the credentials.

 The app is slow and takes time to load – The application has been deployed
but the development process is not yet complete. As the development moves ahead,
the bugs will reduce, and the speed of the application will increase.

 Back button/function is missing it always ask to exit from the app – These
functions are being developed. Certain functions must be added after an analysis is
done. The need for these functions were not determined at the phase 1 of the
development stage, since then analysis is conducted which bring out the limitations in
the application thus helping the management to determine which all functions must be
added, improved or removed.
 33
Advantages:

 Instant Account opening from anywhere – because the application is available

on mobile devices, a user can open an account from anywhere making the process
versatile and easy, thus having a farther outreach and increasing the yield of the client.

 You can get exclusive discount offers and special deals on the move – Since it
is a new application, certain discounts and offers are present on certain products to
attract the crowd/customer to the application, thus increasing the yield and
effectiveness of the application.

 Purchase all financial products from single app – all the financial services are
present in the application making it easier and faster for customers to compare and get
the products rather than going to different applications for each service.

 Transfer funds in just four clicks – using the application is very simple and it
allows doing complex procedures with minimal effort like transfer of funds from one
account to another.

 Get overdraft facility against fixed deposit – A new feature is added to the
application which will help the customer have more versatility with their fixed deposit
account.

 Benefit from intelligent spend analyser – This feature allows the user to
analyse their spending, improve their spending pattern and reduce expenditure.
 34
Applications:

As the name suggests, YONO- You Only Need One Application for all the
requirements of the general user. The Application reduces the need to go to different
websites to complete different roles. All the roles can be done from one place itself.

This reduces the time involved in getting the work done as all the functions are
present in one application itself. YONO app users can quickly view different
insurance policies and compare within the portal preventing the user from getting
redirected to the service provider. The users can seamlessly access as well as purchase
the investment products with few clicks on mobile screen.

1. The YONO users get concession on the bank service charges.

2. Going paperless and saving time with YONO is indeed a smart option.
3. YONO is the largest shopping market bringing the leading E-Commerce
merchants to a single platform. SBI customers get exclusive discounts and
offer shopping through YONO.
4. YONO has a simple user-interface design. Simple navigation and intuitive
features of the app makes it user-friendly.
5. With UPI enabled options, the users will enjoy smart and quick fund transfer.
6. Users get pre-approved personal loans within 2 minutes and without any
documentation.
7. Avail overdraft facility against the fixed deposit with few clicks.
The omni-channel platform allows customers to meet their lifestyle needs across 14
categories from booking cabs to paying for medical needs -- all under one roof. For
this, the bank has partnered

35

Chapter 9

Conclusion and Future Scope

While doing this project I have come to realize a lot of things which goes into the
application development process. The main essence of development does not actually
mean coding but understanding the requirement is the most important job.
The client from banking has goals which needs to be catered by the system.
Understanding that goal is of utmost priority.

Client requirement may not be straight forward and sometimes there is a need for
customization based on situation. These changes need to be incorporated in the
system so that the client can make changes when needed. The habit of working in
team and understanding others and their logic is something I have gathered working
as an intern. The responsibility of a professional has to take to complete the task is
something that I see is taken as a pride in this organization, something that I too
consider is important. The power of technology and how it can change the way people
operate is fascinating to see and I hope that I stay productive for the remainder of my
internship and beyond.

Objective of this module is to make sure that customer involved in YONO (You Only
Need One) are able to function smoothly and carry out tasks with relative ease of use.
The following functions of business are carried out in the application allowing to:
1. Insta account opening
2. Digital account opening
3. Fund transfer
4. Apply for credit cards
5. Bill payments
6. Shopping
7. Booking
8. Create and pay for dreams

36

References

Literature Survey

1. https://www.researchgate.net/publication/320248662_A_Review_on_Web_Ap
plication_Testing_and_its_Current_Research_Directions
2. https://pdfs.semanticscholar.org/05bc/4551c51565e9811d988cbab5f26852e0f
848.pdf
3. https://pdfs.semanticscholar.org/3435/ec6b00e2d6d67a8303b99a5307e96e5e7
984.pdf
4. https://www.researchgate.net/publication/221389720_Towards_a_Reference_
Architecture_for_Software_Testing_Tools
5. https://www.researchgate.net/publication/6663347_Preparing_Data_for_Analy
sis_Using_Microsoft_Excel
6. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5506133/

Abstract:
1. https://www.goodreturns.in/classroom/2017/11/what-is-sbi-yono-app-
651512.html
2. https://www.bankindia.org/2018/01/what-is-sbi-yono-app-yono-full-form-
its-features.html
Testing:
3. https://www.softwareadvice.com/project-management/atlassian-jira-profile/
4. https://www.guru99.com/hp-alm-introduction.html

UI:
5. https://en.wikipedia.org/wiki/Visual_Studio_Code
6. https://en.wikipedia.org/wiki/AngularJS
7. https://en.wikipedia.org/wiki/Notepad%2B%2B
8. https://en.wikipedia.org/wiki/Grunt_(software)
9. https://en.wikipedia.org/wiki/Jenkins_(software)
10. https://www.ibm.com/support/knowledgecenter/en/SSNJXP/welcome.html
11. https://en.wikipedia.org/wiki/IBM_WebSphere
12. https://en.wikipedia.org/wiki/Apache_HTTP_Server
Development:
13. https://en.wikipedia.org/wiki/Eclipse_(software)
14. http://infomory.com/what-is/what-is-maven/
15. https://en.wikipedia.org/wiki/Spring_Framework

Analysis:
16. https://en.wikipedia.org/wiki/Extract,_transform,_load
17. https://www.ibm.com/us-en/marketplace/infosphere-data-architect
18. https://searchcio.techtarget.com/definition/Cognos