Sebanyak 62 item atau buku ditemukan

Can E-Banking Services Be Profitable?

Over the last few years European banks have spent billions of euros on new electronic channels. However, after some years of excitement it was clear that the banks' long-awaited sky-rocketing profits from this area would not be netted. Estonian banks have also invested in expanding and improving the IT systems and a number of new e-banking services have been developed. Until recently, most of the pricing decisions for e-bank services were made on the basis of a gut feeling as the current financial management information systems did not support such analysis. In this article the author explores the implementation techniques of Activity-Based Costing (ABC) in the banking sector on the example of an Estonian bank in order to analyze the cost structure for traditional and electronic channel transactions. The article shows how it is possible to implement ABC in banking and proves empirically that electronic channels help reduce the costs of both banks and their clients.

Over the last few years European banks have spent billions of euros on new electronic channels.

Measuring the Quality of E-Banking Portals - an Empirical Investigation

Purpose - In the internet economy, the business model of web portals has spread rapidly over the last few years. Despite this, there have been very few scholarly investigations into the services andcharacteristics that transform a web site into a portal as well as into the dimensions that determine the customer's evaluation of the portal's service quality.Design/methodology/approach - Based on an empirical study in the field of e-banking, the authors validate a measurement model for the construct of web portal quality based on the following dimensions: security and trust, basic services quality, cross-buying services quality, added value,transaction support and responsiveness.Findings - The identified dimensions can reasonably be classified into three service categories: core services, additional services, and problem-solving services.Originality/value - The knowledge of these dimensions as major determinants of consumer's quality perception in the internet provides banks a promising starting point for establishing an effective quality management for their e-businesses.

Purpose - In the internet economy, the business model of web portals has spread rapidly over the last few years.

Core Banking Software (CBS) Implementation Challenges of E-Banking

An Exploratory Study on Bangladeshi Banks

Banking and financial sectors all around the world have embraced ICT to facilitate their customers with efficient services and innovative products through multi-channel. The central engine that runs the core operations of the banking and financial institution is the Core Banking Software (CBS). The operational efficiency of a bank largely depends on the CBS. Moreover, it determines what a bank can offer in the future. In Bangladesh, ICT embracement has got momentum in the last decade. Some first mover banks in Bangladesh are in the process of CBS upgradation, and some other banks are trying to implement CBS to improve competitiveness, operational efficiency, and regulatory compliance. However, CBS implementation has challenges; improper attention to these challenges may result in poor CBS performance. This exploratory study tried to identify the challenges that commercial banks in Bangladesh encounter in the process of core banking system implementation or upgradation. Factor analysis has been used to analyze data from 153 respondents from seven commercial banks. This study found three primary sources (factors) of CBS implementation challenges: management, technology and vendor. These factors include: consensus on requirements, the role of employees, vendor capabilities and credentials, the software flexibility, user friendliness, capability to meet requirements, employee skill set required and data migration. The findings may help the academicians to explore the factors in other cultures, countries and cross-industry. It will also help the banking practitioners to concentrate on this challenging area to better implement and upgrade the core banking software in future.

Banking and financial sectors all around the world have embraced ICT to facilitate their customers with efficient services and innovative products through multi-channel.

Strategi Pengembangan Layanan E-Banking Syariah

Perkembangan teknologi yang semakin hari semakin maju dan berkembang dengan cepat telah membawa dampak perubahan pada pola perilaku masyarakat saat ini. Masyarakat mulai beralih ke arah digitalisasi yang membuat aktivitas semakin mudah cepat dan efisien. Bagi dunia perbankan sendiri, digitalisasi merupakan suatu keharusan karena setiap nasabah mengharapkan pelayanan dengan kecepatan, kemudahan, kenyamanan dalam bertransaksi. Teknologi informasi begitu penting dalam dunia bisnis tidak terkecuali sektor perbankan. Pemanfaatan penggunaan teknologi untuk memberikan pelayanan yang lebih baik kepada para nasabahnya bank meluncurkan media layanan transaksi perbankan berbasis teknologi informasi yaitu electronic banking (e-banking). Layanan e-banking membuka kesempatan bagi nasabah untuk melakukan transaksi perbankan melalui perangkat ponsel atau Personal Data Asistent (PDA).

Perkembangan teknologi yang semakin hari semakin maju dan berkembang dengan cepat telah membawa dampak perubahan pada pola perilaku masyarakat saat ini.

Senior Citizens’ Perceptions on E-banking Services

Senior Citizens' Perceptions On E-Banking Services presents the evolution of banking, the influence of information and communication technologies on banking and its products, and the quintessential role played by computer science in fulfilling banks' marketing objective of servicing senior customers at a lower cost, reaping more profits. It also highlights the use of advanced statistics and computer science to measure, mitigate and manage various risks associated with banks' business with its customers and other banks. In addition, the book reveals the growing influence of customer relationship management and data mining in tackling various marketing-related problems and fraud detection problems in the banking industry. Over recent years there has been a lack of a comprehensive and accessible textbook that deals with the broad spectrum of banking issues. This book will be insightful for students, academicians, and banking professionals.

Over recent years there has been a lack of a comprehensive and accessible textbook that deals with the broad spectrum of banking issues. This book will be insightful for students, academicians, and banking professionals.

ANALISIS PENGARUH E-BANKING DAN KUALITAS PELAYANAN TERHADAP LOYALITAS NASABAH

ANALISIS PENGARUH E-BANKING DAN KUALITAS PELAYANAN TERHADAP LOYALITAS NASABAH

E-banking Management: Issue, Sollution and Strategis, Terjemahan Oleh Mahmood Shah. Jakarta: Gramedia Pustaka. Darmawi, Herman. 2011. Manajemen Perbankan. Jakarta: Bumi Aksara. Ghozali, Imam. 2006. Aplikasi Analisis Multivariate Dengan ...

E-Banking and Business Models

India has a great population with diverse culture, and a wide diversity of income, marked between the nations. A lot of level of illiteracy of a huge fraction of the people but, at the similar, the nation has great talent for management skills and technological advancement. About 30 to 35 percent of the people lives in large cities and towns and some have spread too little city and rural areas.

India has a great population with diverse culture, and a wide diversity of income, marked between the nations.

Amélioration de l'offre de service d'un E-banking

Une perspective d'optimisation de la satisfaction client

Dans un secteur ou la concurrence est sans cesse croissante, comme le marche bancaire gabonais, la reussite d'un nouveau service/produit n'est plus garantie par les seules etudes initialement realisees (Management par l'avale). Le constat est que, de facon generale, de nombreux produits ou service sont lances chaque annee et bon nombre d'entre eux assurent un retour d'investissement satisfaisant. Il devient, de plus en plus necessaire, pour les organisations ambitieuses de mettre en place des programmes d'etudes post-lancement du service (la gestion des reclamations/ le suivi de la satisfaction-client), leur permettant d'avoir les informations reelles sur le niveau d'adoption du nouveau service/produit aux exigences de la clientele et d'orienter objectivement leurs actions correctrices. Cet ouvrage propose une revue de la litterature sur la notion de l'E-banking, sur le construit de satisfaction-client et est conforme aux exigences de la methodologie de la recherche. Il concerne, de ce fait, les professionnels, les enseignants et les etudiants du marketing management.

Dans un secteur où la concurrence est sans cesse croissante, comme le marché bancaire gabonais, la réussite d'un nouveau service/produit n'est plus garantie par les seules études initialement réalisées (Management par l'avale).

E-banking in Estonia

Reasons and Benefits of the Rapid Growth

... point of view The main benefit from the bank customers ' point of view is significant saving of time by the automation of banking services processing and introduction of an easy maintenance tools for managing customer's money .

Möglichkeiten von elektronischen Finanzdienstleistern. E-Banking, E-Trading, E-Insurance

Diplomarbeit aus dem Jahr 2006 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, Verwaltungs- und Wirtschafts-Akademie, Gießen, 110 Quellen im Literaturverzeichnis, Sprache: Deutsch, Abstract: Der Übergang von der Industriegesellschaft zur Informationsgesellschaft ist in vollem Gange und eröffnet uns eine Fülle von Möglichkeiten der aktiven Teilhabe auf verschiedensten Ebenen. Beispiele sind die elektronische Steuererklärung (ELSTER) und Plattformen für die Vergabe öffentlicher Aufträge. Auch die Finanzdienstleistungsbranche ist durch das rasante Wachstum der Informations- und Kommunikationstechnologie einem starken Wandel unterzogen. Die Vielseitigkeit des Kanalvertriebes, verändertes Kundenverhalten, neue Wettbewerber und weitere Faktoren bedrohen gerade im Bereich der Banken die Kunde-Bank-Beziehung. Die Distributionskanäle der Anbieter können zwar durch das Medium Internet weiter ergänzt werden, dafür sind aber durch die gegebene Transparenz im Internet die Kunden immer nur einen Mausklick vom Angebot der Konkurrenz entfernt. So dringen unter anderem auch Non-Banks aus dem Bereich der Industrie und des Handels immer weiter in das Bankengeschäft ein. Immer mehr Kunden möchten den Zugangsweg für ihre Bankgeschäfte frei wählen. Je nach Produkt, Situation oder Bedarf wünschen sie die parallele Nutzung von Internet-Banking, Mobile-Banking, Telefon oder Filiale. Dies geschieht einerseits aus Kostengründen, andererseits auch unter dem Gesichtspunkt der Bequemlichkeit. Die gut informierten und technik-affinen Kunden nutzen im heutigen preissensiblen Zeitalter gerne die Möglichkeit, durch die Anwendung der elektronischen Distributionswege günstigere Konditionen zu erhalten, die von den Banken durch geringere Transaktionskosten an die Kunden weiter gegeben werden. Ebenso können die Kunden unabhängig von Zeit und Ort ihre Geldgeschäfte tätigen und machen sich damit unabhängig von FilialÖffnungszeiten, da sie sich den Bankschalter auf ihren Bildschirm holen können. Damit die Kunden dieses Angebot auch benutzen, ist es das Ziel der Banken, ein sicheres, anwenderfreundliches und umfassendes Internetportal anzubieten. Der Kunde soll möglichst alles „aus einer Hand“ bekommen, wodurch verhindert werden soll, dass er bei der Konkurrenz ein breiteres Produktangebot vorfindet und dieses dann auch nutzt. Daraus ergibt sich für die Anbieter im E-Finance-Bereich fast automatisch der Bedarf [...]

Diplomarbeit aus dem Jahr 2006 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, Verwaltungs- und Wirtschafts-Akademie, Gießen, Sprache: Deutsch, Abstract: Der Übergang von der Industriegesellschaft zur Informationsgesellschaft ...