ABSTRACT
In account form analysis, a lot of discrepancies causes by manual aspect of the form such as: lost of form, inability to correct intakes, poor storage facilities have been a problem in the May fresh savings and loan limited account form. But in recent times, the computer has come to the aid of our banks, May fresh in particular.
The introduction of computer into the banking operation has to a great extent affected the mode of operation of banks in diverse ways. Computer has touched almost every application area in Banking such as: Savings account, current accounts, bank expenditure, fixed deposit, staff salary, incomes to the banks etc.
This work studies also t he procedure involved in taking proper account of information appraisal in the banks i.e being able to record customers’ information such as; Name, Address/Business, Address, Occupation, Age, Sex, Next of Kins, Address of kin, Signature, Date, Initial deposit, Passport etc. The design and implementation of window based from desk information system is to enhance the mode of operation or rather to keep proper storage of the information’s supplied by the new customers of the bank. With the computerized form of it, no much stress in writing down the information supplied by the customer and stores it in a database such that whenever reference is required, you can easily retrieve the particular information and make necessary use of it. The computerized software is very comprehensive and reliable if implemented.
ORGANIZATION OF WORK
The research work is divided into seven chapters, which treats the various stages in the new system design.
Chapter One: It is an introduction to the work and it also deals with the scope, constraints, assumptions and the definitions of some technical terms as used in the research.
Chapter Two: It is a review of other research conducted by different scholars in order to provide a sense of direction and authenticity of the new system.
Chapter Three: Deals with the explicit study of the existing system of the case study (Mayfresh saving an loan limited Onitsha) the input, process and output analysis, information flow diagrams, problems of existing system and the justification for the new system.
Chapter Four: Covers the design stage of new system, the output /input specifications and design, file design, procedure chart, system flowchart and the system requirements.
Chapter Five: Deals with the implementation of the new system, the program design, source programs and the test run of the actual program for the new system.
Chapter Six: Covers the documentation of the program design for the research work.
The last is the Seventh chapter, which covers the recommendation stipulated by the researcher and the conclusion. Also, the references are included. The project work is split in this form or stages to and a good, orderly and complete understanding of the research proposals.
CHAPTER ONE
INTRODUCTION
Bank customers deposit money in the bank in form of saving, current and fixed deposit account.
(i) SAVINGS ACCOUNT:
In this type of bank account, banks
allow an individual to open an account with little amount of money ranging from
N1000.00 upwards. Savings accounts are
used and issued with banks passbooks when all record concerning the deposits
and withdrawals made by the customer will be stated. Only individual owners are
permitted to withdraw money from this account. The banks pay interest for any
balance left in this account. Withdrawing can be made without prior notice.
(ii) CURRENT ACCOUNT:
This type of bank account can be opened if a customer wishes to make payment by means of cheque. The holders are issued with cheque book which they use in withdrawing money from their accounts. The cheque is also used when a debtor wants to order the bank to pay his credit or on his behalf. The customer is also issued with the paying in slip to enable him deposit money in his account.
The software provides adequate and accurate records of any information-supplied by the customer and store it in a database such that whenever reference is require, you can easily retrieve the particular information and make necessary use of it. The computerized software is very comprehensive and reliable it implemented.
(iii) FIXED DEPOSIT ACCOUNT:
This is sometimes called time deposit account and people who have surplus money to keep for upwards from six months. Agreement is reached between the customer and his banker during which the customer will not withdraw money from his account until the fixed data. If for any reason, the customer wants to withdraw money from his account until the fixed date. If any reason, the customer wants to withdraw money from the account before the fixed date or period, the banker will subject the customer to the payment of a penalty known as surcharge. The customer who waits for the expiration of the fixed period is entitled to a high rate interest.
The bank opens a ledger for the customer and a general cashbook for deposit, payments and withdrawals. When money is deposited, the bank debits its cashbook and credits the customer with the amount deposited. The bank will at the end of the month or when requested by the customer sends out a bank statement which gives a copy of the customers account and as if appears in the bank’s books. It should be that the balance shown in the bank statement should be exactly the same as the balance shown in the customer’s cashbook kept by him but in actual practice, they seldom agree the reason is that one or both is not up to date.
Account reconciliation could simply be defined as a means by which the differences that exist between a bank statements sent to a customer and the cash book kept by him are reconciled. This is achieved by what is known as the bank reconciliation statement.
  The role of computer to every works of life has been a great relief to human endeavour the rapid growth of computers has been spread to every profession. The banking profession is not an exception.
  The introduction of computer into banks has to a large extent promoted our live in many ways and will continue to do so, perhaps an even greater extent, computer has touched almost every field such as medical, legal, engineering, architecture, secretarial activities, banking system is outstanding computer has lessened the problem normally procured in banking operation. For instance, in file handling expenses calculation, income account preparation, good working condition etc.
 Banking operation was made automatic, easy and timely, you find out that you can pay in your money to your account at any cashier stand and collect some money as many times as possible from any cashier stand, if you have many cashiers. This is possible because once you pay in your money, the networked computer to various cashier and the server computer will play a great impart in helping the cashier to retrieve your information or account. When this is done, the changes you have made, debit and credit will be reflected immediately. This will help the cashier to easily update your account record. With this networked system of account can easily withdrawn many times without wasting anytime.           Â
In front desk information system where this study centers on, computer has actually proved the edge on every other technological invention. The introduction of computer in this area has made the job procedures very interesting and enjoying. A lot of discrepancies caused by the mammal account from system are totally eliminated by the introduction is accurately and easily updated automatically, manipulated and maintained by the computerized system. Banks enjoys this new mention because you can easily handle information form the customers. The information can be stored in backup tape and kept in a good confinement. So, the problem of keeping and dumping lots of document will be limited.
