New technologies, such as blockchain, are designed to address various system weaknesses, particularly those related to security. Blockchain can enhance numerous aspects of traditional banking systems by transforming them into digital, immutable, secure, and anonymous ledger. This paper proposes a new banking application ALBank, which is based on blockchain and smart contract technologies. Its functionality relies on invoking functions within smart contracts deployed on the Ethereum blockchain. This approach enables decentralization and enhances both security and trust. In this context, the paper first presents a critical analysis of existing research on blockchain and traditional banking systems, with a focus on their respective challenges. It then examines the Know Your Customer (KYC) process and its various models. Finally, it introduces the design and development of ALBank, a decentralized banking application built on the Ethereum blockchain using smart contracts. The results show that the integration of blockchain and smart contracts effectively addresses key issues in traditional banking systems, including centralization, inefficiency, and security vulnerabilities by storing critical data on a decentralized, immutable ledger, managing processes autonomously, and making transactions transparent to all users.

翻译：新技术（如区块链）旨在解决各类系统弱点，尤其是与安全性相关的缺陷。区块链通过将传统银行系统转化为数字化、不可篡改、安全且匿名的账本，可显著增强其多方面功能。本文提出了一种基于区块链与智能合约技术的新型银行应用ALBank。其功能依赖于调用部署在以太坊区块链上的智能合约中的函数，该方法实现了去中心化，并提升了安全性与信任度。在此背景下，本文首先对现有区块链与传统银行系统的研究进行了批判性分析，重点关注各自面临的挑战；其次，考察了“了解你的客户”（KYC）流程及其多种模型；最后，介绍了基于以太坊区块链、利用智能合约构建的去中心化银行应用ALBank的设计与开发过程。结果表明，通过将关键数据存储于去中心化且不可篡改的账本中、以自治方式管理流程、并使所有用户的交易透明化，区块链与智能合约的集成有效解决了传统银行系统中的中心化、低效率及安全漏洞等关键问题。