Push Pull Services Offering SMS Based m-Banking System in Context of Bangladesh

m-Banking technology has become one of the most familiar banking features throughout the world. Nowadaysmillions of inhabitants of Bangladesh are within a network through mobile network coverage. But in the commercial sectorslike banking, m-Commerce technology has not been adopted broadly yet. In context of Bangladesh where almost 95% ofgeographical areas including Chittagong Hill tract region is under cellular coverage and having insufficiency in Internetinfrastructure in remote regions, m-Banking via mobile phones can be the right choice for the promising banking sector.Considering m-Commerce and m-Banking perspective in Bangladesh, a Push Pull services offering SMS (Short MessagingService) based m-Banking system has been proposed which is able to provide several essential banking services only bysending SMS to bank server from any remote location. This proposed system is divided into five major phases: InterfacingModule, SMS Technology Adoption Module, SMS Banking Registration Module, Push Pull m-Banking Services GenerationModule, and Modified Data Failover Module. This push-pull services specified system facilitates bank customers by carryingout real time m-Banking utilities by categorizing services into five major on the basis of their homogeneity. They areBroadcast, Scheduling, Event, Enquiry and m-Commerce services. Fifteen push pull services underlying these categories areimplemented in this proposed system which are most desired to customers. The proposed system not only brings bankingtransaction in hand’s grip but also makes it easier, robust and flexible with highest security. Moreover, modified data failoveralgorithm handles unexpected SMS server failure with any congestion or service request loss. At last, after evaluating eachmodule of our proposed system a satisfactory accuracy rate 94.95% has been obtained.