Sanjay (076)

Rahul Sharma (060)

Sudeep D’Souza (090)
Sushmita Banarjee (095)
Vidyarth V (104)
Design an innovative service in the Banking Sector
by using an appropriate strategy to create a unique
customer value proposition & using appropriate
technology to enhance service quality and consumer
experience
An SMS based payment system which provides ease of
access and a flexibility of payment to customer in a retail
environment.
 Flexibility in payment method
 Debit facility to customer over SMS service
 Remote payment through SMS in case of home

delivery
 Secure transactions than debit/credit cards.
 Retail Vendors
 Cellular phone users having account with our bank

Strategy
 Focus Strategy
Customer Sends SMS to Server Enters information
Bank No. and receives into Billing System
confirmation.

Customer: Receives Goods

Server: Gives Vendor ID
 Security Vs Time

Relationship with Customers

Flexibility Vs
Customer
Contact
 At Shops
PHYSICAL Checkout Bill for Goods
EVIDENCE Counter Payment Received

CUSTOMER Gives Goods Send SMS Receives goods

ACTION for billing from Phone from counter on
confirmation
Line of Interaction

ONSTAGE Person at Counter Receives

CONTACT enters goods in confirmation of
PERSON billing system amount transfer
Line of Internal Interaction

SUPPORT Billing Bank OLTP

PROCESSES System system
 Blue Print of Cell-Pay
At Home
PHYSICAL At Home Bill for Goods
EVIDENCE Payment Received

CUSTOMER Receives Send SMS Receives

Goods from Phone confirmation from
ACTION
delivery person

Line of Interaction

ONSTAGE Provides Vendor Receives

CONTACT ID to customer confirmation of
PERSON amount transfer
Line of Internal Interaction

SUPPORT Billing Bank OLTP

PROCESSES System system