This is the banking system part. In which the lending system's SRS is specified.

1. Presented by
Nildip
Lending System
SRS

2. Overview
● Product Perspective
● Product functions
● General Constraints
● Assumptions and Dependencies
● External Interface Requirements
● Functional Requirements
● Classes / Objects
● Non-Functional Requirements Inverse Requirements
● Design Constraints
● Sequence Diagrams
● Data Flow Diagrams (DFD)
● State-Transition Diagrams (STD)
● Change Management Process

3. Product Details
This is an online platform which will be used by various customers in order to avail
the car and personal loan services in an effective manner. A personal loan and a
car loan work almost the same way as other types of loans. The financial
institution would lend the money to approved applicants and on an agreement to
pay back the amount in terms of monthly installments in addition to the calculated
interest rate. Customers seem to find it difficult these days to approach the banks
and other financial institutions physically for applying and availing loan services
and this is the major reason behind the decision of developing an online platform
that will eventually eliminate several barriers and provide customers the most
convenient way of applying for loans

4. Product Functions
Financial institutions that use online platforms to automate their loan origination
process can make faster decisions and gain an edge over their competition.
Major functions of the online loan lending platform are as follows
● Loan portfolio management
● Loan application dashboard
● Document tracking
● Disbursement management
● Customer management
● Billing and invoicing

5. General Constraints
General constraints of the system are as follows
● Improving transparency
● Optimizing the loan origination process
● Data management
● Customer satisfaction
● Documentation exceptions for loan tracking
● Effective loan review system

6. Assumptions and Dependencies
Assumptions
● All customers should have login credentials in order to use the online services
● All customers should create a personal profile with all necessary details
● Registered users should receive relevant notifications to the associated email
● Users should be able to avail the services using any compatible browsers
Dependencies
● Licensed database for user data management and storage
● Secure internet access
● SSL certificates for the websites

7. External Interface Requirements
Hardware Requirements
Web Server
● Operating system - Windows Server 2012 R2 or higher version
● Memory - 32 GB
● Processor - Intel core i5
● HDD - 250GB
Client
Users requires compatible web browser to avail the services

8. Functional Requirements
● Loan account details
● Product details
● Profile section
● KYC details
● Credit report generation
● Balance Enquiry
● Account summary
● Outstanding balance
● Payment status
● EMI calculator

9. Non-functional Requirements
Major non-functional requirements of the loan origination system are following
● System reliability
● Data integrity
● Availability
● Scalability
● Maintainability

10. The flow chart of the system

11. Administrator Module

12. User Module

13. E-R diagram of the Database

14. Use case for Car loan

15. Change Management Process
According to Information Technology Infrastructure Library (ITIL) change
management is the process of requesting, planning, implementing and evaluating
the changes to a system through predefined processes. Various factors that is
involved in the change management process are following
● Any changes to the system must be well planned before the execution
● Changes should be presented to CAB (Change Advisory Board) for obtaining
necessary approvals
● All changes should have proper maintenance window
● All changes must have a well-defined roll back plan All changes to the system
must be documented by respective teams and reviewed by the senior
management before closure

16. Conclusion
● The outcome provides a loan automation application that saves paper works
throughout the life of the loan, and makes available its design, a guide or
foundation towards the creation of similar or improved systems. The Loan
Automation Application Software would help boost a lending institution’s
customer service in many ways, and make the lending operations more
efficient and transparent.
● The computational speed, accuracy and storage capabilities of the computer
would merge with the creativity and intuition of the human to make it all a
success.

17. Thank you !!!