Bank Management System

Abstract

This research paper offers a thorough overview of The digital revolution in financial services highlighting the need for flexible, secure, and user-friendly banking systems, especially for co-operative and rural banks that often face infrastructural and technological limitations. This project, “Bank Management System”, introduces a comprehensive full-stack web application designed to address these challenges. The system provides end-to-end digital banking functionalities such as secure user registration, encrypted login, balance checking, fund transfers, transaction history, loan applications and approvals, as well as administrative and IT support tools. Developed using HTML, CSS, JavaScript for the frontend and Node.js with Express.js for the backend, the application uses SQLite as the database to manage user data, transactions, and loan records efficiently. The interface is made responsive with the help of Bootstrap, while bcrypt is used for password hashing, ensuring data security. The system employs role-based access control, allowing different features and dashboards for users, administrators, and IT admins. One of the unique aspects of this project is its modular design and scalability. It is designed to be user-friendly and scalable, capable of being enhanced further to include mobile app integration, UPI/payment gateway linkage, AI-based fraud detection, and real-time customer support features.

Introduction

In response to the growing need for digital banking, the Bank Management System is a web-based application that brings traditional banking services online. Built with modern technologies like HTML, CSS, JavaScript, Node.js, Express.js, and SQLite, the system provides secure, efficient, and accessible banking operations including user registration, login, balance checks, fund transfers, loan management, and customer support.

It addresses the limitations of outdated, manual banking systems which suffer from inefficiency, security vulnerabilities, and limited accessibility. The system offers 24/7 self-service access, particularly beneficial in areas with limited banking infrastructure.

Key features include:

• Role-Based Access Control (RBAC): Secure access for Users, Admins, and IT Admins.

• User Module: Handles registration, login (with bcrypt password hashing), and dashboards.

• Transaction Module: Manages fund transfers, balance inquiries, transaction history, and admin-controlled deposits/withdrawals.

• Admin Dashboard: Provides user management, financial reporting, and support ticket handling.

• Customer Support Module: Facilitates user queries through forms and admin response tools.

The modular architecture ensures scalability, maintainability, and ease of development. It also promotes enhanced security, responsiveness, and streamlined operations, making it suitable for small to medium-scale deployments, including academic and startup projects.

Conclusion

The “Bank Management System” successfully provides an end-to-end web-based solution for small to mid-sized banks. It includes all vital components for day-to-day banking operations while ensuring accessibility, scalability, and security. The application demonstrates how technology can streamline traditional banking systems and significantly improve the user experience. It is a practical solution, especially for co-operative banks aiming to digitize their operations affordably.

References

[1] Herbert Schildt, \"C++: The Complete Reference,\" McGraw-Hill Education. [2] Bjarne Stroustrup, \"The C++ Programming Language,\" Addison-Wesley. - [3] GeeksforGeeks, \"File Handling in C++,\" [https://www.geeksforgeeks.org/file-handling-cpp/](https://www.geeksforgeeks.org /file-handling-cpp/). [4] TutorialsPoint, \"C++ Object-Oriented Programming,\" [https://www.tutorialspoint.com/cplusplus/cpp_object_oriented.htm] (https://www.tutorialspoint.com/ cplusplus/cpp_object_oriented.htm). [5] https://www.researchgate.net/publication/380214416_Online_banking_management_system [6] http://www.irjmets.com/

Copyright

Copyright © 2025 Ms. Sakshi Kamble, Mr. Rushikesh Khedkar , Ms. Punam Kolhe, Mr. Arya Kothavale , Prof. Afrin Sheikh. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.