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GIS is now-a-days a really useful gizmo for determination making. At any time when it requires making a call associated to “location”, it involves the phrase ‘GIS’. GIS makes these location associated selections and evaluation very straightforward. It makes the evaluation easy and exact if the inputs are right. Thus one can have the advantages of analyzing spatial information in addition to socio-economic information in GIS platform.
GIS in developed international locations
Developed international locations like USA, UK, Japan are utilizing this know-how enormously in numerous enterprise sectors beside improvement actions like actual state enterprise, banking, info sharing and so forth. They use it to leverage their performance and likewise enhance output. With GIS, the productiveness is elevated and likewise the choice making jobs are very straightforward and correct.
GIS in Bangladesh
In current days, GIS know-how is utilized in totally different sectors of Bangladesh. However the matter is it’s only used to arrange a useful resource map or threat map of an space. The analyzing energy of this instrument is merely utilized in these areas. The organizations working in improvement sector are making ready maps and stories. However the humorous matter is maps are ready in a single cell. The particular person working on this cell is effectively expert in GIS applied sciences however he has very restricted entry or time to see the stories. The stories are ready by one other one who has very restricted information concerning the know-how. In consequence, the prospect of this huge know-how is neglected. Once more, the scope of utilizing GIS know-how could be very huge. As talked about earlier, location and GIS is said to one another. Thus any organizations working with location information can use this huge know-how to boost their actions. For instance, the banking sector has to work extensively with location. They need to find their account holders or find a plot or property if anybody desires to take loans. Once more any enterprise organizations can use GIS instruments to extend their enterprise in numerous areas. They’ll use this instrument to take selections about establishing their promoting boards or select their routes to provide items. The GIS know-how can be used to determine future development of town and set up new areas to enterprise. Within the following dialogue, prospects of utilizing GIS know-how in banking sector are highlighted. It isn’t a full research report. There could also be many different sides the place GIS may be helpful for Banks to extend their efficiency and buyer companies.
1. Choice relating to sanction of loan- spatial evaluation of the plot.
One of many tedious jobs in banking system is to supply mortgage service for the shoppers. Banks achieve this as to boost their accessibility to the purchasers. It has been being a contest among the many banks that how a financial institution is offering these service. In doing so, Banks want some safety like some seen property or established enterprise and many others. Now the place comes the seen property, the GIS additionally comes there. Banks take mortgage to sanction and specify the quantity of mortgage. In doing such determination, banks have to investigate the property or plot like distance from the primary highway or dimension of the plot, confirm the precise proprietor of the plot, present land valuation and many others. They’re doing these items manually by going to the websites or contact with third social gathering for doing these jobs. This takes no less than 30 days to do the roles and now have to spend some huge cash. It additionally want a variety of time to make the choice. But there may be one other probability to make use of the identical plots to totally different banks for loans.
But when they’ve a GIS database, they might do the followings simply:
o Do the spatial evaluation simply with only one click on on the pc.
o Calculate the world or distance from predominant highway with out going to the location/plot.
o Calculate the land worth of the world by analyzing the encircling space.
o Making a central database system to stop the double mortgage takers make the most of similar plots.
o Can scale back the funding time by 30 days.
This can be a large issue for any banks to cut back their funding time. If they will save 30 days they will have a revenue of BDT30-40 lacs (US$42857.14-US$57142.85) per yr.
Financial institution simply want the next info for this evaluation:
o Plot/property location (deal with).
o Proprietor title.
o Plot dimension (space).
o Distance from the primary highway.
o Adjoining highway width.
o Current land use (particular).
o Land worth.
o Info of the plot i.e. previous proprietor, case, earlier mortgage taking situation and many others.
o Crime price of the world.
Lots of the information like plot dimension, distance from the primary highway, adjoining highway width, current land use and many others. may be derived from the digitize map of an space. Others are to be collected from the sphere stage survey.
2. Choice relating to institution of ATM sales space.
Now a day’s banking service is rising quickly. Each financial institution is attempting to take the companies to the client’s house or places of work. ATM is one among them. However to supply an ATM machine to an space, Financial institution has to assume totally different spatial points like focus of economic land use, focus of debit/bank card holders of an space, route for taking cash to the ATM sales space and many others. These all may be performed simply with a GIS instrument.
Choice derived from the map relating to ATM sales space:
o Space an ATM serves.
o Elements to determine an ATM.
3. Location of the mortgage takers.
Financial institution is now spending some huge cash to find the account holders or mortgage takers. They’re speaking with their shopper at common interval to find them. This job may be made very straightforward with GIS as right here a mortgage taker or shopper may be simply recognized within the map. However for this, the database must be common up to date as that is presently performed.
o Current deal with of the mortgage takers.
o Change deal with.
o Distance from the department and path to the deal with.
4. Finest route of the van to ship cash to the ATM sales space/branches.
This benefit is mentioned barely earlier. A financial institution has to investigate totally to pick out the supply route of the van to take cash to the ATM cubicles. They’ve to consider the safety. In GIS, they will do that with creating easy community topology of the present highway and choose one of the best routes to take cash.
5. Choice relating to institution of recent branches.
As banking sector is a quick rising discipline in Bangladesh, many new banks and branches of current banks are establishing now. They need to have in mind totally different spatial points to determine a brand new financial institution or department. For instance, they need to do the followings issues:
o Have a common thought of the world like land worth, socio-economic situation and many others.
o Find the industrial land use of the world.
o Find the bazaar or market space.
o Find the residential space and enterprise space.
o Find the present highway community.
All these items may be simply performed with a GIS instrument by analyzing and querying to extract the information.
6. Choice relating to choice of new funding websites for Banks or shoppers
Banks may also take selections to find or determine new potential websites for brand spanking new investments by means of GIS. They’ll analyze an space with potentiality for financial development, current sample of improvement and decide whether or not they spend money on that space.
With the GIS database, a financial institution can do the next:
o Regional evaluation to determine worthwhile location to take a position.
o Determine totally different attraction factors of the world.
o Determine the current land use and business of an space.
Benefits the Financial institution can get:
o Enhance the client companies dynamically.
o Appreciable Discount of the upkeep and processing price of the Financial institution.
o Choose one of the best location to determine a brand new financial institution or branches.
o Select one of the best route for cash supply van.
o Safe the mortgage course of by sustaining the information in central database and share it by on-line information administration course of.
o Cut back the top rely.
o Database upkeep could be very straightforward and value could be very low.
o Banks can save their funding associated inquiry by one months.
Conclusion:
In conclusion, it may be stated that banks can have lot of benefits by introducing GIS of their each day actions. It will probably get monetary savings, time and manpower that are the goal of any enterprise organizations. It is rather necessary to handle the information as there shall be an unlimited quantity of information they need to deal with. However by establishing a cell or by giving third social gathering the duties to handle and share information, the process generally is a very worthwhile for banks or different enterprise organizations.
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Source by Md. Bayzid Khan