Claudia
It seems that ever since you put out your issue on the board, you expected somebody to just give you the answer. I am sure that people would like to help and give you some leads but nobody can actually fulfill your requirements if you yourself are not able to justify your requirement.
For example, you stated that you don't have a Manager. So, can you please let us know if you work for a one man company, or if you are the only person in your department with no colleagues or peers. If you don't have a Manager, who gives you the work on a daily basis?. Your Director?. Who oversees your work and who agrees to what, when and how the tasks are done?. It is obvious that you cannot be working in a company without a Manager. So why don't you escalate this to the next person up the chain?. A reversal of 'delegation of authority'. Somebody delegated a task to you. You go back to that person to clarify the requirement or state your handicap or limitations to go forward.
A company or department has a business requirement. In order to fulfill that requirement, a set of tasks have to be initiated and the business need analyzed before a detailed plan is created to move forward. There has to be a Manager who oversees this project where the requirement originates. So you should be only trying to gather information that is required to outline the necessary details for your business requirement. It does not matter at this time whether it is SAP or Oracle. To accomplish what you need, you or your Manager has to answer the questions related to this business requirement.
1. What is the business requirement?.
2. Who are the people responsible for this requirement?.
3. Who is the Manager responsible to fulfill this requirement?.
4. Does this requirement entail internal customers or external customers or both?.
5. Is a team involved to accomplish this task(s) or is it just an individual?.
6. Does this requirement involve just the business group or does it involve the IT group as well.
7. Based on your requirement, you need to figure out who the customer is and what is required of that customer?.
8. You will need to find out if your business requirement can be fulfilled now by contacting the relevant personnel on the customer side.
a. Do they do electronic banking?.
If they don't (which is rare), then case closed for that customer?.
If yes, with whom and for how long?.
Request for some details about their electronic banking - something on the lines of what Ravi had stated reqarding customer/vendor and what Gagan Pareek has outlined in 1-5. This can come only from the IT department. And unless there is a legal business agreement between the entities involved, nobody will be authorized to give you, the IT departments or the business group any information.
This is only a small start about trying to accomplish what you want. This is not a case of waking up suddenly with some need and flipping a switch and expecting things to happen just because you want to accomplish something. If the requirement came from a business source, you or your Manager have to go back to that source to determine if there is a proper infrastructure in place to start the process. Keep in mind that people surely want to help you but one cannot know what your company's protocol is with regard to gathering requirements and analyzing how to get the details, formats and mode of transfer from your customers.