# 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.

Tags: mobile-banking, it-project-management, agile-scrum, digital-transformation, wbs, gantt-chart, financial-analysis, indonesia-banking
## Project Overview: m-BCA Implementation
*   **Objective:** Modernize Bank Central Asia's (BCA) infrastructure through a comprehensive mobile platform.
*   **Strategic Drivers:** Post-COVID digital acceleration, smartphone growth, and reducing physical branch dependency.

## Core System Features
*   Real-time account balance and transaction history.
*   Fund transfers and bill payments via virtual accounts.
*   **Cardless ATM:** Physical card-free withdrawals/deposits using one-time codes.
*   24/7 processing with instant push notifications.

## Technical Architecture & Security
*   **Integration:** Connects to core banking via national networks and modular adaptive architecture.
*   **Security:** MFA, biometric verification, end-to-end encryption, and continuous fraud monitoring.

## Project Management Framework
*   **Methodology:** Agile (Scrum) with iterative feedback cycles.
*   **Financials:** Initial cost of Rp 100 Billion, 150% ROI over 5 years, and a positive NPV of Rp 19.8 Billion.
*   **Timeline:** 1-year project duration (Jan 2020 - Dec 2020) with a 24-week critical path development cycle.

## Work Breakdown Structure (WBS)
1. Initiation (Charter & Stakeholders)
2. Planning (Requirements & Financials)
3. Design (UI/UX & Architecture)
4. Development (Frontend, Backend, Cardless features)
5. Testing (Unit, Integration, UAT)
6. Deployment (Go-live & Training)

## Risk & Change Management
*   **Key Risks:** Data breaches, integration failure, low user adoption, and regulatory delays.
*   **Mitigation:** Enhanced MFA, redundant APIs, and early regulator engagement with OJK.
---
This presentation was created with [Bobr AI](https://bobr.ai) — an AI presentation generator.