m-BCA Mobile Banking: IT Project Management Case Study
Explore the implementation of BCA Mobile Banking using Agile SDLC. Covers project charters, WBS, financial analysis (ROI/NPV), and risk management.
Implementation of BCA Mobile Banking Information System (m-BCA)
COMP701 Information Technology Project Management — Group Assignment, Trimester 1, 2026
Khoi | Freddie | Sonam
Table of Contents
Project Overview
Background & Context
Core System Features
Workflow & Integration
Security & Scalability
Stakeholder Register
Project Charter
Team Contract & Financial Analysis
Project Scope & SDLC Model
Work Breakdown Structure
Gantt Chart & Critical Path
Communication Management Plan
Change Requests
Risk Register
Conclusion & References
System Analysis
Project Overview
BCA (Bank Central Asia), one of Indonesia's largest private banks, launched m-BCA — a comprehensive mobile banking platform allowing customers to conduct banking activities 24/7 anytime and anywhere.
Digital Banking Platform
Meets growing demand for digital financial services.
DeLone & McLean Model
Analysis based on journal article by Purwati et al. (2021) evaluating system quality, information quality, service quality, user satisfaction, net benefits.
Post-COVID Transformation
Reduce reliance on physical branches, driven by smartphone growth.
Background & Context
BCA Digital Foundation
Founded in 1957, BCA is a leading Indonesian bank serving millions of customers. The mobile banking project was fundamentally driven by the IT and digital transformation teams.
To ensure successful delivery, a cross-functional team was assembled comprising versatile developers, security specialists, business analysts, and customer-experience designers.
Rapid smartphone growth in Indonesia
Need to reduce physical branch dependency
Post-COVID-19 digital acceleration
Organisational commitment to digital innovation
Core System Features
Account Balance & History
Real-time balance inquiry and comprehensive transaction history logs.
Fund Transfers
Seamless intra-bank and inter-bank transfers with instant confirmation.
Bill Payments
Pay utilities, telecommunications, and e-commerce via virtual accounts.
Cardless ATM
Cash withdrawals and deposits without a physical card using one-time codes.
24/7 Availability
Round-the-clock real-time processing to accommodate any timezone.
Push Notifications
Instant automated confirmations and alerts on every single transaction.
Workflow, Integration & Security
Real-time transfers and payments
Instant push notifications
Eliminates manual delays
Connects to BCA core banking
Inter-bank via national networks
Virtual accounts (utilities, telcos, e-commerce)
Payroll/mass-payment for corporate clients
Modular adaptive architecture
Multi-factor authentication
Biometric + OTP verification
End-to-end encryption
Continuous monitoring
Fraud protection
Stakeholder Register
Project Charter
Implementation of BCA Mobile Banking Information System (m-BCA)
1 Jan 2020 – 31 Dec 2020
Rp 100 Billion IDR
BCA Digital Transformation Lead
Team Contract & Financial Analysis
Khoi, Freddie, Sonam
Project Scope & SDLC Model
Secure, scalable mobile banking app featuring:<ul style='margin: 10px 0 0; padding-left: 20px; color: rgba(255,255,255,0.9); line-height: 1.6;'><li style='margin-bottom:8px;'>Balance inquiry, transfers & bill payments</li><li style='margin-bottom:8px;'>Cardless ATM integration</li><li style='margin-bottom:0;'>Real-time push notifications</li></ul>
<ul style='margin: 0; padding-left: 20px; color: rgba(255,255,255,0.9); line-height: 1.6;'><li style='margin-bottom:8px;'><b>99.5%</b> guaranteed system uptime</li><li style='margin-bottom:8px;'><b><2 second</b> maximum response time</li><li style='margin-bottom:8px;'><b>Zero</b> critical security breaches in testing</li><li style='margin-bottom:0;'><b>>85%</b> user satisfaction score</li></ul>
<ul style='margin: 0; padding-left: 20px; color: rgba(255,255,255,0.9); line-height: 1.6;'><li style='margin-bottom:8px;'>Functional App <b>(iOS & Android)</b></li><li style='margin-bottom:8px;'>Secure Integrated Backend Platform</li><li style='margin-bottom:8px;'>Comprehensive Training Materials</li><li style='margin-bottom:0;'>Deployment & Post-launch Support Plan</li></ul>
Rapid iterations, continuous user feedback, and high flexibility allowing for responsive feature changes.
Work Breakdown Structure (WBS)
Project Implementation Architecture
1.0 Initiation
1.1 Project Charter
1.2 Stakeholder Identification
2.0 Planning
2.1 Requirements Gathering
2.2 Scope Statement & WBS
2.3 Financial Analysis
3.0 Design
3.1 UI/UX Design
3.2 Architecture & Security Design
4.0 Development
4.1 Frontend Development
4.2 Backend & Integration
4.3 Cardless Feature
5.0 Testing
5.1 Unit & Integration Testing
5.2 User Acceptance Testing
6.0 Deployment & Training
6.1 Go-live & Rollout
6.2 User Training
7.0 Closure
7.1 Lessons Learned & Handover
Gantt Chart & Critical Path (CPM)
Communication Management Plan
Stakeholder Engagement
Risk Register
Conclusion & References
<b>m-BCA</b> successfully modernised banking in Indonesia with robust features, efficient processes and strong security.
<b>High user satisfaction</b> and tangible organisational benefits achieved.
<b>Positive NPV (Rp 19.8B)</b>, 2.5-year payback, and 150% ROI confirm strong financial viability.
<b>Agile methodology</b> ensured flexibility, stakeholder alignment, and on-time delivery.
Purwati, A. A., Mustafa, Z., & Deli, M. M. (2021). <i>Management Information System in Evaluation of BCA Mobile Banking Using DeLone and McLean Model</i>. Journal of Applied Engineering and Technological Science, 2(2), 70-77.
COMP701 Group Assignment <span style="color: #ebb644; margin: 0 15px;">|</span> Trimester 1, 2026 <span style="color: #ebb644; margin: 0 15px;">|</span> Khoi <span style="color: #ebb644; margin: 0 15px;">|</span> Freddie <span style="color: #ebb644; margin: 0 15px;">|</span> Sonam
- mobile-banking
- it-project-management
- agile-scrum
- digital-transformation
- wbs
- gantt-chart
- financial-analysis
- indonesia-banking