Internet Banking For Safetrust Mortgage Bank Ltd

Safetrust Center: 18, Keffi street, Off Awolowo road Ikoyi, Lagos, Nigeria

Client Requirement

Safetrust Mortgage Bank Ltd has been looking for a competent partner to help integrate various consumers centric we technologies to their already ecosystems of banking applications. To achieve this, the company wants:
  • Online Banking application that will allow customers to check transactions, transfer funds and check account balance with two way authenticated systems built in.
  • Banking Transaction Alert System both Email and SMS is needed to be incorporated into the existing banking application that sits on ORACLE 10G.
  • Web services need to be developed to communicate with Nigeria Inter-Bank Settlement System Plc (NIBBS) web services to allow money transfers between Safetrust Mortgage Bank and the various financial institutions in Nigeria.
  • Monthly Account Statement Email Alert needed to be designed and incorporated into an email template.
  • All applications to be deploy on CENTOS 6.0.

Our Solutions

With full specifications given to us, what we achieve is this:
  • We chose PHP/ORACLE integration, implementing what we called LAOP (Linux Apache Oracle & PHP) which easily integrate with the existing systems.
  • We Developed an online banking systems that uses two-way authentication system with a unique cloud based SMS-API systems from NEXMO.
  • We Developed web services using NUSOAP, JAVABRIDGE,TOMCAT, PHP and ORACLE with about 15 various functions to allow effective money transfer both in and out of the Safetrust Mortgage Bank Ltd. A robust backend was also developed for money transfer control using access level OPERATOR and ADMIN, also alert systems using SMS API was also built to alert system users to the activities on the application
  • We also configured PHP to work with existing email client, which is ZIMBRA and that works well for the clients.
  • Using NEXMO cloud SMS-API systems, we integrated a 2 seconds transaction alert with the existing banking application using PHP.
  • Using PHP also we developed various report for monitoring the effectiveness of the application compared with overall specifications.


  • Customer friendliness
  • Increased reach and traffic.
  • High degree of security and support
  • Significant cost savings.
The clients objectives are met with significant cost benefits.

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