The Internet explosion and the possibility of direct digital interaction with large numbers of home consumers presents tremendous opportunities, and challenges, to the financial services community. Today's providers must reckon with the Internet and on-line services, or potentially lose prime customers to new, nontraditional players. In this paper, the design and development details of an on-line banking (OLB) application for one of the banks in Singapore have been described. The implementation of OLB requires the creation of website, webpages and links to other related information. It further allows the users to submit a loan application for computing installments for repayment and other related information. Two of the popular languages of Internet have been used for the implementation of OLB. Due to proprietary nature of the application, certain implementation details are not provided in this paper.