Dissertations / Theses on the topic 'Electronic Banking'

The adoption of electronic self-service systems (SSTs), using information technology (IT) devices and channels, for the provision of banking services (also known as electronic banking or e-banking) has evolved in the last decade in emerging markets. In Nigeria, for instance, this development is driving the movement towards a cashless economy. These services, however, are fraught with problems ranging from incidents of fraud, empty automated teller machines (ATMs), the inability of the ATMs to dispense cash, and outright service unavailability. Thus, the primary objective of this study is to identify service improvements following current electronic banking service performance measures. Given the dearth of developing country research and appropriate constructs, secondary objectives include the: 1) conceptualisation of e-service using service science principles; 2) description of factors and attributes of electronic banking quality (EBQ) in Nigeria; 3) identification of consumer perceptions of EBQ; 4) proposal of a model of EBQ; and 5) rank and score EBQ performance. A three-step sequential mixed-methods research design is conducted. This consists of a substantial qualitative (QUAL) process that posits EBQ constructs using grounded theory techniques. This is followed by an equally substantial quantitative (QUAN) process that employs survey methods in the formulation of a scale to measure EBQ. The final quantitative (quan) process scores EBQ using survey research methods and intelligent decision system (IDS) analysis. Consumer perception measurements of Nigerian bank customers using the derived dimensions of EBQ - acceptability, accessibility, competence, convenience, reliability, responsiveness, security/privacy, access to support, availability of support, and usability - generated an unimpressive industry performance score of 56%. The thesis concludes that even though Nigerian bank customers are desirous of participating in the cashless economy, issues of cash security and responsiveness are paramount. Service improvement spaces for e-banking operators, centred on rigorous strategic planning initiatives, are identified alongside additional initiatives for bank customers and regulators. In summary, this thesis presents an alternative scale to measure consumer perceptions of EBQ that adds to the existing body of knowledge.

The purpose of this study is to determine how banks and consumers are adapting to the Internet age; to understand the privacy, security and other issues involved with money transfers; to determine steps being taken to make e-banking adaptable to meeting the needs of the bank, customers, business and industry; to forecast e-banking potential; and to understand the role of marketing in the process.

Electronic banking services have gained increased popularity around the world; however in Vietnam these services have put just their first footsteps in the beginning of 2005. Electronic banking is an alternative means of offering customers expedited and self-controlled transactions using the Internet as the medium for the transaction. Nowadays, banks use electronic banking services as a powerful “value added” channel to attract and retain new customers. This research examines the critical factors affecting customers’ trust in electronic banking in Vietnam. The analysis is carried out by answering three research questions: Does customers’ trust in electronic banking affect their intention to use electronic banking in Vietnam? What are the key factors affecting customers’ trust in using electronic banking and subsequently, their intention to use electronic banking in Vietnam? How can banks use these factors to foster customers’ trust in electronic banking? These questions often confront researchers as well as bank managers and policy makers.
Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
Griffith Business School
Griffith Business School
Full Text

Economic integration within and across countries, deregulation, advances in telecommunications and the growth of the Internet and other communication technologies have dramatically changed the nature and structure of financial services (Claessens et al., 2003). This study examines the adoption of electronic banking (e-banking) services offered by commercial banks in Greece. This is the first empirical investigation on the adoption of e-banking using a logit econometric model which contains a set of new independent variables such as high branch fees, branch dissatisfaction and access to banks‘ web pages. The findings are as follows: (i) Greek male customers are less likely to adopt e-banking while the opposite is true for young customers, (ii) higher education and income both have a positive impact on the adoption of e-banking in Greece, and (iii) homeowners are less likely to perform complex transactions, and hence they are less likely to adopt e-banking in Greece. Other variables such as the access to banks‘ web pages, the branch dissatisfaction as well as the high branch fees do not show any impact on customer‘s probability of adopting e-banking services. It is concluded that Greek customers prefer most the traditional banking because they worry about possible high electronic risk that comes with the foray into e-banking. Moreover, we examine the economic performance of Greek ‗click and mortar‘ banks in relation to the adoption of Internet banking services using econometric models (Logit, OLS and GLS).We report that ‗click and mortar‘ banks in Greece overall have higher profits, but when technology-based scale and technology-based experience effects are considered these banks exhibit lower profitability. This could be attributed to the higher overhead expenses that these banks may suffer, due to the heavy investments in IT. We also study the effect of Automated Teller Machines (ATMs), Information Technology (IT) investments and other determinants on the efficiency and profitability of Greek commercial banks. We find that profitability (Return on Average Assets, and Return on Average Equity), ATMs and capitalisation show a negative impact on the efficiency of Greek banks. We also report that banks‘ size, capitalisation, IT investments and ATMs do not have any effect on the ROAA or the ROAE but they have a positive effect on the fees and commissions. However, we find that ATMs have a negative effect on the net interest income. Finally, we assess the effect of ATMs on the competitive and equilibrium conditions of the Greek banking system using the Panzar Rosse model. Our results reveal that the Greek banking system is in equilibrium and is operating under perfect monopolistic conditions, while we find no significant relationship between the investment in ATMs and revenues or profit. Our results provide recommendations to the Greek bank managers and help customers in improving relationships with new technologies and services. We report that Greek banks can attract their customers to electronic services if they design their marketing offers or value propositions according to the needs of these groups.

E-banking services in Ethiopia are increasing among low-income populations; however, with over 53 million mobile service users countrywide, more than 85% of the population still lacks access to banking services. A single case study was used to explore e-business strategies that bank managers use to promote the adoption of electronic banking services to the unbanked population in Ethiopia. The extended resource-based view of strategy served as the conceptual framework for this study. Data were collected from interviews with 12 experienced bank managers from leading commercial bank in Ethiopia. Data were analyzed using coding techniques and word clustering, with the help of qualitative data analysis software. After member checking and methodological triangulation, data were sorted into 5 themes including ensuring leadership, creating accessibility, fostering customers' acceptance, leveraging unique features and organizational resources, and building an e-banking ecosystem. The result showed that bank managers need to develop a customer-centric organizational posture and they should focus to build e-banking ecosystem inside and outside the country so that they can realize their vision to become global competitors. The findings from the study may contribute to positive social change for the unbanked communities in Ethiopia by informing bank managers options of e-banking adoption strategies thereby improve the convenience and accessibility of banking services.

Contemporarily, one of the major business demands is to extensively understand the impact of technology on the major business strategies and practices. Technologicalship marketing, a concept investigated in this study, emanates from a symbiosis of technology and relationship marketing. Per se, a prevalent area of debate pertains to whether technology promotes or constrains relationships. Outstandingly, this study pursued the technologicalship marketing concept, a new and vital 21st century suggestion in literature (Zineldin, 2000:16). Secondly, against the scarcity of empirical studies in mass marketing environments, the study at hand focused on retail banking client relationships. Lastly, the proposed meta-construct hypothetical model is an essential relationship marketing instrument. The proposed model consists of four major relationship marketing construct categories, namely, personal contact, customer retention, customer switching and relational exchange. At the hand of these constructs, the research primarily aimed to determine the impact of technology on client relationships in e-banking with the focus of closing the gap prevalent in literature on whether technology constraints or supports relationship marketing. The study focused on retail banking client relationships of the four major commercial banks in East London, Eastern Cape, South Africa. A survey was conducted of a sample of 200 clients selected using the convenience sampling method. The study hypothesised that technology is resulting in more transactional than relationship marketing in retail banking by constraining social constructions, customer retention and relational exchange, whilst, promoting customer switching mobility. Through the GLM regression analysis method, findings of the study established that technology was to a larger extent supporting relationship marketing. However, it is envisaged that technology is resulting in the disappearance of human contact which is a critical aspect of relationships. Conclusively, the researcher recommended that the only plausible strategy is to endeavour to integrate the human aspect at self-service podiums e.g. mounting of staff at ATM points, which most banks have been doing.

 

This study firstly examines the current literature concerning the electronic banking problems during implementation of electronic problems in Pakistan and causes that hinders this process. To investigate in the real-time scenario we have taken the case study of Muslim Commercial Bank Limited in Pakistan in order to understand “why” and “how” the electronic banking could not be implemented successfully.

The data was collected via interviews, surveys and bank website. Both qualitative and quantitative research approach has been used to investigate and have proper understanding of current e-banking issues. We have sent questionnaire to bank employees and interviews were conducted by the bank mangers. The response of interviews and surveys shows that there are certain issues that hinder the use of e-banking in Pakistan. In-spite of the fact that internet banking has been started in Pakistan, people are still using the old manual system to do the banking transaction, popularity of cash system, waiting in long queues for hours and lacking of proper computer education and trust etc are the major problems that are hurdles in electronic banking. On the other side there are a lot of reasons that the banks did not concentrate on internet banking and cash flow is still popular in banks and internet banking was used by the banks for the limited services.

Last years a lot of changes has been done and a greater understanding have been developed and now banks are offering various online banking services but banks are facing the problem of customer awareness regarding security and privacy of using Internet banking services as still customers are reluctant to use the online banking services so they prefer to come to banks and deposit the money by hand. So we have investigated these hindrance in our research and also we put some light on what are the advantages in using electronic banking and the how the customers are getting benefit by using e-banking in Pakistan.

We have developed our own model based upon the prior research. The results were presented in detail based upon the interview and questionnaire and later on we have given recommendations so that e-banking concept can be implemented in Pakistan and suggestions which can be very helpful for the future research

The evolution of various payment instruments shows a marked inclination away from the reliance on physical currency. This has, in turn, led to the construction of new manifestations of wealth. Due to revolution and developments of technology, payment can be made by various means such as physical delivery of conventional money (coins and bank notes) from the payer to the payee, but may also be made through tangible paying methods other than negotiable instruments such as debit or credit card or by way of electronic funds transfer. The development of payment systems makes it a reality for consumers to choose their preferred method of payment suitable for their banking needs and circumstances. Electronic funds transfer is a generic term that embraces any transfer of funds in which electronic techniques replace one or more of the steps in the process that were previously done by paper-based techniques. This includes automated teller machines, the transfer of funds at the point of sale, direct deposit or withdrawal of funds and funds initiated by telephone. The use of electronic funds transfer systems is described as the ultimate act of payment for not only is the value which is transferred reduced to a symbolic form, but the symbolic form itself is removed from the immediate possession of the parties to the transfer, payment also essentially becomes the transfer of information. Electronic funds transfer are easy and convenient to use. However, new technology has not only provided an ever-increasing range of electronic payment products, it has also had far-reaching effects on the way in which banks operate. Owing to the lack of legislation in South Africa to regulate the use of electronic funds transfer, banks rely on the law of contract and mandate to exempt themselves from liability. Therefore, the research problem that this dissertation aims to address revolves around the legal implications of electronic funds transfer, This includes the questions surrounding reversal and recovery of electronic funds transfer when payment is considered to be final and complete. Ultimately, I will attempt to address apportionment of liability between banks and consumers.
Mini Dissertation (LLM (Banking Law))--University of Pretoria 2020.
GCRA Bursary
Mercantile Law
LLM (Banking Law)
Unrestricted

Bankindustrin är ett typiskt exempel på en industri som har tjänat otroligt mycket på information- och kommunikationsteknologiapplikationer. Dessa applikationer tar formen av Internet-baserad banktjänst, som inkluderar transaktioner av värdepapper, kontouppgifter, presentation av räkningar och betalningar samt transfereringar mellan konton och individer.

Mobila banktjänster är den naturliga förlängningen av dessa typer av tjänster. Med utvecklingen av digitala trådlösa teknologier, som mobiltelefonen, är mobil Internettillgänglighet nu förverkligad.

Denna uppsats undersöker den förändrande miljön i finansindustrin som uppkommit till följd av informationteknologier, och vidare de strategiska affärsmässiga överväganden som måste göras inom detta område.

En kvalitativ fallstudie ansågs vara den mest givande metoden att använda i vår forskning. Genom att undersöka marknade, genom att skicka ut en väl strukturerad enkät till tre av de största svenska bankerna (Nordea, SEB och Handelsbanken), med relevanta intervjufrågor angående deras involvering i mobila banktjänster, kunde deras potential avgöras. Intervjuerna utfördes sedan via telefon.

Vi drar slutsatsen att för att bli konkurrenskraftig i dagens värld av avancerade teknologier, är det avgörande att finansiella instutitioner positionerar sig genom att använda sig av sådana applikationer. Banker har de nödvändiga kapitaltillgångarna som krävs för att göra betydande investeringar i teknologisk infrastruktur. Om de inte hade anpassat sig till teknologier som bankomater, kreditkort, telefoner och Internet, skulle de lätt ha kunnat exkluderas från marknaden. Det är troligt att mobila banktjänster kommer att ha samma inverkan.

The banking industry is a typical example of an industry that has benefited tremendously from applications of information and communication technologies. These applications take their form in Internet-based banking, including transactions for equities trading, account enquiry, bill presentment and payments as well as transfers between accounts and people.

Mobile banking is the natural extension of these kinds of services. With the development of digital wireless technologies, such as the mobile phone, mobile Internet access is now enabled.

This thesis examines the changing landscape of the financial industry due to information technologies and the strategic considerations of mobile banking from a business perspective.

For us a single case study with a qualitative approach has been seen as the most rewarding method to apply in our research. By investigating the market, through sending out a well-structured survey to three of the major Swedish banks (Nordea, SEB and Handelsbanken), with relevant interview questions on their involvement in m-banking, their potential could be distinguished. The interviews were then conducted over the phone.

We conclude that in order to achieve a competitive edge in today’s world of advanced technologies, it is crucial that financial institutions position themselves in deploying these applications. Banks have the necessary capital assets in order to make significant invest-ments in technology infrastructure. Without having adapted themselves to technologies such as ATMs, credit cards, phones and the Internet, they would easily have been excluded from the market. It is likely that mobile banking will have the same impact.

Due to the lack of efficient offline payment services for small value payment, and along with the booming of the Internet and telecommunications technologies, new electronic payment services and instruments are becoming increasingly popular and important in the first and second decades of the 21 century in China’s electronic commerce economy. The new electronic payment instruments, which primarily include Internet third party payment and virtual currency, are the subjects of research in this thesis. This thesis focuses on electronic payment law relating to the Internet, and the e-payment law which has been altered substantially by the Internet, rather than focusing on a comprehensive law of payment, clearance and settlement, or traditional mechanisms of payment, such as negotiable instruments and electronic funds transfers that occurs only within the intranet of closed banking systems. Although the new electronic payment instruments cannot escape from the influence of the traditional payment, and new payment instruments are based upon the traditional one both in technological infrastructure and in legal framework, the new electronic payment instruments do possess their own special features in technology, business models and in law. On this regard, readers might be asking why the author did not use the topic of “Internet Payment” or “online payment” instead of “new electronic payment” for the title of the thesis. The answer is because in China, telephone payment, along with Internet payment should be collectively considered as new electronic payment tools, and therefore, it is too narrow to just use the term “Internet Payment”. Also, the word “online” is, somewhat, a misleading word, and the author tries to specify in most cases whether it is an “Internet” or a “mobile network” or “landlines” or any other forms of networks in the following analysis when the concept of “online” has to be referred to. On the other hand, it is a truth that, among those new electronic payment instruments, it is the Internet that has been shaking and reshaping the infrastructure framework of payment, clearance and settlement; and telephone payment as well as mobile payment, to a great extent, are relying on the Internet. Therefore, Internet-related payment lies at the heart of the thesis. Furthermore, in China, new electronic payment instruments are largely created and facilitated through non-bank Internet third party payment providers and virtual currency, These two types of new electronic payment services possess enormous scale and are developing in a fast speed. Therefore, this thesis will treat the law on non-bank Internet third party payment platform providers and virtual currency as two crucial points to discuss.1 1.2 Research Questions The hypothesis of the thesis is that legal issues arising from new electronic payment services, which heavily rely on and is substantially attached to the Internet, are different from legal issues pertaining to traditional electronic payment services which are primarily intra-bank or inter-bank related. For example, in the Internet third party payment system (see Chapter 4 of the thesis), non-bank intermediaries are involved which is outside the regulatory framework of the traditional banking and payment system; also for example, in the virtual currency system (see Chapter 5 & 6 of the thesis), money is not issued by governments and denominated into any national legitimate currencies such as Renminbi in China, instead, money is issued by private Internet companies and denominated into currencies of those private companies. Thus, there are a number of legal questions to be considered: how is the Internet third party payment being regulated in China? What are the key issues in regulating the Internet third party payment? Is the current regulation appropriate? How to regulate the Internet games virtual currency in China? How is the Internet third party payment and virtual currency regulated in the European Union? Are there any lessons that China may learn from the European Union? In the thesis, the author examines these important legal issues relating to new electronic payment in detail, evaluate current existing regulations both in China and in the EU/UK, and propose specific regulatory approaches and measures for China.

The banking industry has been a pioneer in adopting electronic markets with exchanges, clearinghouses, and multilateral trading facilities having become the backbone of today’s globally integrated financial transactions. While most banks use the services of these electronic markets to handle interbank processes, they still strive for bilateral relations in the field of customer-facing processes. This position paper argues that the financial crises, the changing behavior of customers, upcoming innovations based on information technology (IT) and financial services offered by non-banks are strong drivers towards more customer-orientation in the financial industry. A large variety of banking IT innovations has emerged and illustrates that traditional banks are expected to have less power to impede competition at the customer interface and in consequence need to re-position themselves. Building on these developments on the one hand and existing electronic market infrastructures in the banking industry on the other, the concept of a customer-oriented financial market infrastructure is proposed as a possible future solution. The impact is illustrated using a competitive analysis of the banking industry and analogies to the media industry where new entrants from the computing industry have caused disruptive changes. Besides describing the threat to existing banks, the position paper also discusses the perspectives for banks.

This thesis examines the development of banking law against the expeditious development of the technology used in banking systems. Therefore, this study traces and compares the development relating to electronic banking in two different perspectives: first it examines the ongoing development in terms of technology; second it investigates the practical and proposed legal techniques of controlling this rapidly changing field. The thesis traces the development of technical issues that influence banking transactions (including debit and credit cards) and other newly authorised services (like EFTPOS; ATM Home banking; Internet banking and digital cash). The thesis also identifies the existing risks associated with electronic funds transfer (such as fraud; error and system malfunction) and presents the need for security not only at the technological level but also at the organisational and legislative levels as well. In the United Kingdom the law has developed considerably in response to the development of technology in the banking sector and more developments are imminent. For example: - Regulations were introduced in 1996 to allow the extension of cheque truncation; - The Theft (Amendment) Act 1996 was approved as a result of case law development; - The Data Protection Act 1998 was enacted as a result of the EC Data Protection Directive 1995; - The Civil Evidence Act 1995 removes two obstacles to the admissibility of computer records namely, Hearsay Rule and the Best Evidence Rule; - The Unfair Terms in Consumer Contracts Regulations (1994 & 1999) which will guard against unreasonable and unfair terms. - Banking Code (revised edition was published in 1998) aims to set out the standards for banking practice to be observed by banks and card issuers when dealing with personal customers. These and other developments have had an important impact on the law relating to consumer protection. The thesis gives an up-to-date account of legal measures relevant to electronic banking services.

The adoption of Electronic Banking by commercial enterprise has been in existence since the mid 90s, much greater in number due to lower operating costs associated with it. Electronic banking has been in the form of automatic teller machines and telephone transactions. More recently, it has been transformed by the Internet, a new delivery channel for banking services that benefits both customers and banks. Access is fast, convenient, and available around the clock. Furthermore, customer’s application for electronic banking facilities is expanding as the cost savings on transactions over the internet are significant. The chances and threats that the internet symbolizes is no longer news to the present day banking sector. No traditional bank would dare face investment analysts without an Internet strategy. Moreover, business success is not guaranteed by a detailed and thoughtful approach to the internet. The main intention behind the commencement of electronic banking services is to provide the customers with an alternative that is more responsive and with less expensive options. With options just a click away, customers have more control than ever. Their expectations are usability and real-time answers. They also want personal attention and highly customized products and services. This research intends to see how electronic banking has improved the efficiency and effectiveness in the bank, take a look at the security measures on ground and also profer a solution that can eradicate fraud in electronic banking.
0046735816227, 0046739957286, 004660805115

A tecnologia da informação e comunicação é um fator importante no desenvolvimento futuro da indústria de serviços financeiros, com especial atenção ao setor bancário. A maioria dos bancos utiliza a Internet como um canal estratégico de distribuição onde seus serviços e produtos possuem uma relação muito próxima com o conceito mais amplo possível de marketing, aquele que descreve plenamente um ambiente e um nicho de negócio e onde o desenvolvimento e evolução deste canal associa-se diretamente a própria evolução do marketing em si. O tema central deste trabalho é apresentar uma revisão bibliográfica sobre o canal Internet Banking analisando as principais questões e desafios referentes às fraudes eletrônicas e suas ameaças, além de descrever o impacto das mídias sociais que estão ocasionando dentro das corporações. Realiza-se também um paralelo de como os serviços e produtos bancários acompanharam de perto a evolução do marketing e como, hoje, neste momento de transição de um paradigma econômico para outro, estes dois modelos se relacionam em um ponto específico: a tendência das fraudes no ambiente de Internet Banking e sua evolução para o Social Banking. Analisam-se também quais caminhos serão abertos dentro do novo paradigma de economia e marketing sociais para este tipo de ocorrência. Para atenuar de forma eficaz o risco de fraude, é importante implementar um amplo programa decisório para prevenção, que se estenda além de um conjunto de controles internos sofisticados em todos os níveis e divisões de uma organização. Finalmente, a conclusão e perspectivas futuras da evolução do Internet Banking para o Social Banking com uma análise da evolução das ameaças e fraudes eletrônicas neste novo canal.
Information technology and communication is an important factor in the future development of the financial services industry, with particular attention to the banking sector. Most banks use the Internet as a strategic distribution channel where its services and products have a very close relationship with the broader concept of marketing, one that fully describes an environment and a niche business and where the development and evolution of this channel is directly associated with the evolution of the marketing itself. The central theme of this work is to present a literature review on the Internet Banking channel analyzing key issues and challenges related to electronic fraud and threats, and describes the impact of social media is causing in corporations. Additionally to the threats on the Internet Banking, this work brings an analyze of how the banking products and services are closely followed by the marketing evolution and how at this moment of transition from a economic perspective to another, these two business models are co-related to a specific aspect: The future and trends of the electronic fraud on the Internet Banking towards the evolution to the Social Banking. It also analyzes which paths will also open within the new paradigm of economics and social marketing for this type of occurrence. To effectively mitigate the risk of fraud, it is important to implement a comprehensive decision-making prevention program that extends beyond a sophisticated set of internal controls at all levels and divisions of an organization. Finally, the conclusion and future prospects of the development of Internet Banking for Social Banking with an analysis of the evolution of electronic fraud and threats in this new channel.

Electronic (internet and mobile) banking is inevitably the future way of banking across all market spectrum in Namibia. Although most business categories have migrated to the technological banking, small and medium enterprises (SME) business operator are still utilising the conventional and traditional method of banking particularly those in the least developed area of the country. The objective of this research is to study and assess the factors that influence the behavioural intention to use and actual usage of electronic (mobile and internet) banking services among SMEs in Namibia. This study utilizes quantitative approach by administering survey questionnaires to collect data from the targeted sample of 132 SMEs in three towns of Otjiwarongo, Oshakati and Outapi. The study has used structured questionnaires based on the UTAUT2 model to assess and provide answers to the factors that affect the behavioral intention to use and usage behaviour of mobile and internet banking. The data were analysed using confirmatory factor analysis to examine the reliability, composite reliability and average variances explained of the constructs assessed. Finally, ordinary least squares and logistic regression techniques were employed to identify the explanatory of behavioural intention to use and usage behaviour of electronic banking services. From the analysis, the results shows that factors such as performance and effort expectancy, social influence and facilitating conditions influence the acceptance of the banking technologies however habit has been found to have a considerable prediction power in explaining the behavioural intention to use internet and mobile banking among SMEs in Namibia to adopt the electronic banking while facilitating condition and habit are the strongest drivers of the acceptance of technology in the consumer settings. The study provides practical recommendations and challenges to banks, regulator and mobile operator to develop alternative strategies to absorb the SME sector into the new banking platform.

The banking industry has been a pioneer in adopting electronic markets with exchanges, clearinghouses, and multilateral trading facilities having become the backbone of today’s globally integrated financial transactions. While most banks use the services of these electronic markets to handle interbank processes, they still strive for bilateral relations in the field of customer-facing processes. This position paper argues that the financial crises, the changing behavior of customers, upcoming innovations based on information technology (IT) and financial services offered by non-banks are strong drivers towards more customer-orientation in the financial industry. A large variety of banking IT innovations has emerged and illustrates that traditional banks are expected to have less power to impede competition at the customer interface and in consequence need to re-position themselves. Building on these developments on the one hand and existing electronic market infrastructures in the banking industry on the other, the concept of a customer-oriented financial market infrastructure is proposed as a possible future solution. The impact is illustrated using a competitive analysis of the banking industry and analogies to the media industry where new entrants from the computing industry have caused disruptive changes. Besides describing the threat to existing banks, the position paper also discusses the perspectives for banks.

This thesis is a comparative efficiency study of implementation of payment operations via electronic banking and bank branch network. The thesis used data of specific international bank operating in the Czech Republic. The thesis is divided into two parts. The theoretical part deals with basic products, payment systems, describe the main forms of electronic banking and part is devoted to the economic benefits of electronic banking for the bank and for the client. The practical part consists of a cost analysis of payment operations realized via by electronic banking and bank branches. In conclusion of this thesis, these costs are compared and the result is a proposed new bank strategy.

Dissertation purposes Analysis of electronic banking concerning the pricing policy of Czech banks. The banks with long-term history are compared with "new" banks that are still not so stabilized on the market. The dissertation is focused especialy on the monthly fee that the client has to pay when using the services of these banks. Methods Presentive analysis is used in all of this dissertation which interprets data obtained by an interview and bank's databases. Comparative method is used in the analytical section to clearly interpret processed data. Results The comprehensive analysis of six Czech banks and it's pricing policy of electronic banking is the outcome of the dissertation. The conclusion and data interpretation can be used for the clients when choosing a new bank. The analysis is based on the monthly fee that the clients have to pay in every selected bank with respect to their requests.

Thesis (MBA)--Stellenbosch University, 2003.
ENGLISH ABSTRACT: The internet is widely regarded as a major driving force that is changing the business environment in terms of industry boundaries, competitive forces, and the character of business practices. Electronic commerce on the internet provides businesses and consumers with an alternative choice to conduct their business transactions. In the services research literature the component of electronic commerce that receives the most attention, is the business-to-business component. This study focuses on the business-to-consumer component, with special reference to the service quality of internet banking in South Africa. The literature study investigates extant literature on the internet and electronic commerce, service quality as applied to an internet-based consumer-business interaction, and the current state of the internet banking environment in South Africa. The literature study is supported by statistics on the current internet access, and how this affects the adoption of internet banking in South Africa. Statistics on the current internet banking environment is also presented and discussed. The empirical study focuses on the service quality of internet banking in South Africa. The research instrument is a checklist-based questionnaire and it is applied to the internet sites of the four major banks, namely Amalgamated Banks of South Africa, Standard Bank, Nedbank, and First National Bank. The result of the evaluation yielded data that is useful to determine the qualitative nature of the banks' internet offerings in terms of ease of use, functionality and extra mile service. It also provides a measure of the comparative nature of the internet sites of the banks. Recommendations relating to improved service quality in internet banking are suggested and areas of future research are identified.
AFRIKAANSE OPSOMMING: Die internet word alom beskou as 'n hoof dryfkrag vir die verandering van die besigheidsomgewing in terme van die industrie grense, kompiterende dryfkragte en die aard van die besigheids praktyke. Elektroniese besigheid via die internet verskaf aan besighede en hulle kliente alternatiewe metodes om besigheid-transaksies te beklink. Die komponent van elektroniese besigheid wat tans die meeste navorsings-aandag geniet, is die besigheid-tot-besigheid komponent. Die fokus van hierdie studie is op die besigheid-tot-klient komponent, met spesiale verwysing na die dienste kwaliteit van internet-bankwese in Suid Afrika. Die literatuur studie fokus op huidige literatuur aangaande die internet en elektroniese besigheid, dienste kwaliteit soos toegepas op die internet-gebaseerde klient-besigheid interaksie, en die huidige toestand van die internet bankwese in Suid Afrika. Die literatuur studie word gerugsteen deur statistiek aangaande die huidige internet toegangklikheid, en hoe dit die aansluiting van internet bankwese in Suid Afrika beinvloed. Statistiek wat die huidige internet bankwese in Suid Afrika beskryf word ook aangebied en bespreek. Die empiriese studie fokus op die dienste kwaliteit van internet bankwese in Suid Afrika. Die navorsings instrument was 'n oorsiglys-gebaseerde vraelys wat aangewend was op die internet webtuistes van die vier grootste banke in Suid Afrika, naamlik Amalgamated Banks of South Africa, Standard Bank, Nedbank, and Eerste Nasionale Bank. Die resultaat van die evaluasie het data opgelewer wat nuttig is om die gebruiks vriendelikheid, funksionaliteit, en die kwaliteit van hulle aanvullende internet dienste te bepaal. Dit het ook 'n maatstaf van die kompiterende aard van die banke se internet webtuistes verskaf. Die studie word afgesluit met voorstelle wat kan dien om die dienste kwaliteit van internet bankwese te verbeter en voorstelle vir toekomstige navorsing word aangebied.

Thesis (PhD)--Stellenbosch University, 2013.
ENGLISH ABSTRACT: The convergence of the Internet, wireless technologies, and mobile devices has led to the development of a new paradigm of transacting, namely, mobile commerce. Because banking activities are easily digitised and automated, banks have seized the mobile transacting opportunity and have developed cellphone banking applications that allow more flexibility for bank clients than internet banking in terms of anywhere, anytime banking. For banks, considering the benefits associated with multi-channel customers, the ideal situation would be that bank clients using internet banking also adopt and continue to use cellphone banking in the future. Therefore, to assist marketing managers with the development of marketing strategies to enhance the concurrent use of internet and cellphone banking, this study investigates the influence of internet banking cognitive evaluations on the perceived usefulness and the perceived ease of use of cellphone banking in the formation of the intention to use and the continuance of use intention of cellphone banking. A literature review revealed that two consumer behaviour theories can guide crosschannel cognitive evaluations between the internet banking and cellphone banking channel namely, expectation-transfer theory and status quo bias theory. In the context of this study, expectation-transfer theory can explain cross-channel evaluative synergies from the internet banking channel to the cellphone banking channel, as well as dissynergies; whilst status quo bias underpins only evaluative dissynergies. These theories point to internet banking beliefs that could influence the perceived ease of use and perceived usefulness of cellphone banking. Based on the literature review, a conceptual model was developed of the formation of intention to use and the continuance of use intention of cellphone banking in an internet banking context. To assess the validity of the model empirically, data were collected from 678 users of only internet banking and 491 users of both internet and cellphone banking. The data collected in the empirical phase of the study were analysed using the structural equations modelling (SEM) software program AMOS 20.0. The results revealed that the perceived convenience and time saving of internet banking positively influence the perceived usefulness of cellphone banking for the users of both internet and cellphone banking. On the other hand, only the perceived convenience of internet banking influenced the cellphone banking usefulness perceptions of the users of only internet banking. Furthermore, internet banking trust and risk perceptions only influenced the cellphone banking usefulness perceptions of the users of only internet banking. Expectation-transfer in both cohorts was also confirmed between the ease of use perceptions of internet banking and the perceived ease of use of cellphone banking. The results also confirmed that internet banking facilitating conditions negatively influence the perceived usefulness of cellphone banking (evidence of status quo bias). The theoretical contribution of the study is apparent at three different levels. Firstly, the conceptual model of cross-channel cognitive evaluations extends the Technology Acceptance Model (TAM) with beliefs of a related technology as the determinants of perceived usefulness and perceived ease of use. Secondly, the study provides more insights into how cross-channel cognitive evaluations influence the formation of intention to use and the continuance of use intention of cellphone banking. And lastly, the study identifies additional sources of expectation-transfer and status-quo bias in the multichannel marketing context. The study provides valuable insights into internet – cellphone banking multi-channel consumer behaviour that should be considered by managers in the development of cellphone banking marketing strategies. To facilitate the conversion from internet banking to the concurrent usage of internet and cellphone banking, managers of cellphone banking services must ensure that the internet banking service is reliable and risk free. Equally important, cellphone banking must be marketed as a complementary channel to internet banking. In other words, the usefulness of cellphone banking must be emphasised in situations when the bank client is not near a computer to do internet banking or when he/she does not have the time or money to use a computer for internet banking. And lastly, to enhance the adoption of cellphone banking marketing communications must emphasise the similarities between internet and cellphone banking so that expectation-transfer between the two channels can influence behavioural intentions to adopt cellphone banking. Based on the results of the study, several recommendations can be made to enhance the continuance of use of cellphone banking. Firstly, marketing communications must remind the concurrent users of internet and cellphone banking of why they are using cellphone banking. The most important reason to remind them of is the usefulness of cellphone banking in situations where there is a lack of internet banking facilitating conditions. Marketing managers should also take note that cellphone banking users do not draw on internet banking trust and risk perceptions to form perceptions of the usefulness of cellphone banking. It may be that they only consider trust and risk perceptions directly related to cellphone banking. This conclusion emphasises the importance of cellphone banking trust and risk perceptions in cellphone banking continuance of use behaviour. Finally, the study quantified the influence of internet banking cognitive evaluations on the formation of intention to use and the continuance of use intention of cellphone banking. Considering this result, the study provides valuable information for marketing managers of cellphone services. The methodology employed can also guide future studies exploring cross-channel evaluations in a multi-channel marketing context.
AFRIKAANSE OPSOMMING: Die sameloop van maklike toegang tot die Internet, die ontwikkeling van draadlose tegnologieë en die beskikbaarheid van mobiele toestelle het gelei tot ʼn nuwe transaksieparadigma, naamlik mobiele handel. Aangesien bankaktiwiteite maklik digitiseer en outomatiseer, het banke die mobiele verrigtingsgeleentheid aangegryp en selfoonbankaanwendings ontwikkel wat vir bankkliënte meer buigsaamheid as internetbankdienste inhou wat ‘enige plek, enige tyd’ bankwese betref. Gegewe die voordele van multikanaal gebruik, is die ideaal vir banke dat kliënte wat internetbankdienste gebruik, ook selfoonbankdienste aanvaar en in die toekoms bly gebruik. Met die oog daarop om bemarkingsbestuurders by te staan in die ontwikkeling van bemarkingstrategieë om die gelyktydige gebruik van internet- en selfoonbankdienste te bevorder, ondersoek hierdie studie die invloed van kognitiewe evaluerings oor internetbankwese op die waargenome nuttigheid en waargenome maklike gebruik van selfoonbankdienste in die vorming van die gebruiksvoorneme en voortgesette gebruiksvoorneme ten opsigte van selfoonbankdienste. ʼn Literatuuroorsig het getoon dat twee verbruikersgedragsteorieë kruiskanaal kognitiewe evaluerings tussen die internetbankkanaal en selfoonbankkanaal kan voorlig, naamlik, Verwagtingsoordragteorie (“Expectation-transfer Theory”) en Status Quo Vooroordeel Teorie (“Status Quo Bias Theory”). In die konteks van hierdie studie kan Verwagtingsoordragteorie kruiskanaalevalueringsinergieë en dissinergieë van die internetbankkanaal na die selfoonbankkanaal toe verduidelik, terwyl Status Quo Vooroordeel Teorie slegs evaluerende dissinergieë stut. Hierdie teorieë belig internetbankoortuigings wat die waargenome nuttigheid en waargenome maklike gebruik van selfoonbankdienste kan beïnvloed. ʼn Konseptuele model van die vorming van die gebruiksvoorneme en voortgesette gebruiksvoorneme van selfoonbankdienste in ʼn internetbankkonteks is op grond van die literatuuroorsig ontwikkel. Met die oog daarop om die geldigheid van die model empiries te bepaal, is data van 678 gebruikers van slegs internet bankdienste en 491 gebruikers van internet sowel as selfoonbankdienste ingesamel. Die data wat tydens die empiriese fase van die studie ingesamel is, is met behulp van die strukturele vergelykingsmodelleringsagtewareprogram (“structural equations modelling” (SEM)) AMOS 20.0 analiseer. Volgens die resultate het die waargenome gerieflikheid en tydbesparing van internetbankwese die waargenome nuttigheid van selfoonbankdienste positief beïnvloed by gebruikers van beide internet en selfoonbankdienste. Hierteenoor het slegs die waargenome gerieflikheid van internetbankdienste die selfoonbankdiensnuttigheidswaarnemings van gebruikers van slegs internetbankdienste beïnvloed. Verder het internetbankdiensvertroue en risikowaarnemings slegs die selfoonbankdiensnuttigheid van die gebruikers van slegs internetbankdienste beïnvloed. Verwagtingsoordrag in beide kohorte is ook bevestig tussen die maklike gebruik persepsies van internetbankdienste en die waargenome maklike gebruik van selfoonbankdienste. Die resultate bevestig ook dat internetbankfasiliteringsomstandighede die waargenome nuttigheid van selfoonbankdienste negatief beïnvloed (manifestering van status quo vooroordeel). Die teoretiese bydrae van die studie blyk op drie vlakke. Eerstens brei die konseptuele model van kruiskanaal kognitiewe evaluerings die Tegnologie Aanvaardingsmodel (“Technology Acceptance Model” (TAM)) uit ten opsigte van oortuigings oor ʼn verwante tegnologie as die bepalers van waargenome nuttigheid en waargenome maklike gebruik. Die studie bied tweedens ook insigte in hoe kruiskanaal kognitiewe evaluerings die vorming van gebruiksvoorneme en voortgesette gebruiksvoorneme van selfoonbankdienste beïnvloed. Die studie identifiseer laastens ook addisionele verwagtingsoordrag- en status quo vooroordeel bronne in die multikanaalbemarkingskonteks. Die studie bied waardevolle insig oor internet – selfoonbankmultikanaal-verbruikersgedrag wat bestuurders in die ontwikkeling van selfoonbank-diensbemarkingstrategieë moet oorweeg. Om die oorskakeling van internetbankdienste na die gelyktydige gebruik van internet en selfoonbankdienste te fasiliteer, moet bestuurders van selfoonbankdienste verseker dat internetbankdienste betroubaar en risikovry is. Wat net so belangrik is, is dat selfoonbankwese as ʼn komplementêre kanaal tot internet bankwese bemark moet word. Die nuttigheid van selfoonbankwese moet, met ander woorde, beklemtoon word in situasies waar die kliënt nie naby ʼn rekenaar is vir internetbankgebruik nie of wanneer hy/sy nie die geld of tyd het om ʼn rekenaar vir internetbankdienste te gebruik nie. Laastens, om die aanvaarding van selfoonbankwese te versterk, moet bemarkingskommunikasiemateriaal die ooreenkomste tussen internet en selfoonbankwese op so ʼn wyse beklemtoon dat verwagtingsoordrag tussen die twee kanale gedragsvoornemens om selfoonbankdienste te aanvaar, beïnvloed. Verskeie aanbevelings spruit voort uit die resultate oor hoe die voortgesette gebruik van selfoonbankdienste verhoog kan word. Eerstens moet bemarkingskommunikasieboodskappe die gelyktydige gebruikers van internet en selfoonbankwese herinner waarom hulle selfoonbankdienste gebruik. Die belangrikste rede in hierdie verband is die nuttigheid van selfoonbankwese in situasies waar internetbankfasiliteringsomstandighede afwesig is. Bemarkingsbestuurders moet ook in ag neem dat selfoonbankgebruikers nie op internetbankvertroue en risikowaarnemings steun om persepsies oor die nuttigheid van selfoonbankwese te vorm nie. Hulle oorweeg waarskynlik net vertroue en risikopersepsies wat direk met selfoonbankdienste verband hou. Hierdie gevolgtrekking beklemtoon die belangrikheid van vertroue in selfoonbankdienste en riskowaarnemings in voortgesette selfoonbankgebruikgedrag. Laastens, die studie kwantifiseer die invloed van kognitiewe evaluering oor internetbankwese in die vorming van selfoonbankwese gebruiksvoorneme en voortgesette gebruiksvoorneme. Veral in die lig van hierdie resultaat bied die studie waardevolle inligting vir selfoonbankdiensbemarkingsbestuurders. Die metodes wat gebruik is, kan ook verdere studies waarin kruiskanaalevaluerings in ʼn multikanaal-bemarkingskonteks ondersoek word, rig.

Cloud computing is a computing model in which the network offers a dynamically scalable service based on virtualized resources. The resources in the cloud environment are heterogeneous and geographically distributed. The user does not need to know how to manage those who support the cloud computing infrastructure. From the view of cloud computing, all hardware, software and networks are resources. All of the resources are dynamically scalable on demand. It can offer a complete service for the user even when these service resources are geographically distributed. The user pays for only what they use (pay-per-use). Meanwhile, the transaction environment will decide how to manage resource usage and cost, because all of the transactions have to follow the rule of the market. How to manage and schedule resources effectively becomes a very important part of cloud computing, and how to setup a new framework to offer a reliable, safe and executable service are very important issues. The approach herein is a new contribution to cloud computing. It not only proposes a hybrid cloud computing model based on banking theory to manage transactions among all participants in the hybrid cloud computing environment, but also proposes a "Cloud Bank" framework to support all the related issues. There are some of technology and theory been used to offer contributions as below: 1. This thesis presents an Optimal Deposit-loan Ratio Theory to adjust the pricing between the resource provider and resource consumer to realize both benefit maximization and cloud service optimization for all participants. 2. It also offers a new pricing schema using Centralized Synchronous Algorithm and Distributed Price Adjustment Algorithm to control all lifecycles and dynamically price all resources. 3. Normally, commercial banks apply four factors mitigation and to predict the risk: Probability of Default, Loss Given Default, Exposure at Default and Maturity. This thesis applies Probability of Default model of credit risk to forecast the safety supply of the resource. The Logistic Regression Model been used to control some factors in resource allocation. At the same time, the thesis uses Multivariate Statistical analysis to predict risk. 4. The Cloud Bank model applies an improved Pareto Optimality Algorithm to build its own scheduling system. 5. In order to archive the above purpose, this thesis proposes a new QoS-based SLA-CBSAL to describe all the physical resource and the processing of thread. In order to support all the related algorithms and theories, the thesis uses the CloudSim simulation tools give a test result to support some of the Cloud Bank management strategies and algorithms. The experiment shows us that the Cloud Bank Model is a new possible solution for hybrid cloud computing. For future research direction, the author will focus on building real hybrid cloud computing and simulate actual user behaviour in a real environment, and continue to modify and improve the feasibility and effectiveness of the project. For the risk mitigation and prediction, the risks can be divided into the four categories: credit risk, liquidity risk, operational risk, and other risks. Although this thesis uses credit risk and liquidity risk research, in a real trading environment operational risks and other risks exist. Only through improvements to the designation of all risk types of analysis and strategy can our Cloud Bank be considered relatively complete.

This research investigates the impact of e-service quality dimensions on public and private banking websites in Egypt from the perspectives of the main stakeholders. In order to understand the problem, the current study investigates: 1. How do different e-banking websites’ stakeholders perceive the current e-service quality dimensions? 2. How do different e-banking stakeholders rank the existing e-service quality? 3. Whether the main service quality dimensions used in e-banking websites of private banks differ from those used in public banks? After reviewing literature, nine service quality dimensions were selected namely; Usability, Reliability, Responsiveness, Privacy, Incentives, Fulfillment, Efficiency, Assurance, and Empathy for investigation. This research employs a mixed methods approach and develops a research framework for nine dimensions. A structured questionnaire was randomly distributed to survey a large number of bank clients and data collected was statistically analysed. In order to get a broader picture, eight decision makers in banks were interviewed. Interview data was interpretively analysed and coded. Results were integrated showing that e-service quality has a significant impact on Internet Banking. Questionnaire and interview results reveal that public and private bank customers believe that e-banking websites have to include seven dimensions: Usability, Reliability, Responsiveness, Privacy, Fulfillment, Efficiency and Assurance, and should ignore insignificant dimensions such as Incentives and Empathy. Results proved Privacy to be the best predictor, while Incentives and Empathy had the least weights. Based on these results, System Dynamic Approach was utilised to simulate a revised dynamic model. Results show that Customer Relationship Management is a dimension that would increase e-service quality and customer satisfaction. Finally, similarities and differences between customers and decision makers helped better understand the problem, derive conclusions and make recommendations. It also helps banks’ managers achieve a competitive edge through directing attention and resources efficiently to e-service quality dimensions based on customer priorities.

Malone, Yates & Benjamin (1987) made predictions about the impact of information technology and systems on the organisation of firms and markets based on transaction cost effects discussed earlier by Coase (1937) and Williamson (1975). Evans and Wurster (1999, 2000) examined these ideas in terms of “richness and reach”. Berger, Hancock & Marquardt (1996) proposed a framework for analysing efficiency, risks, costs and innovations in the payments system. In this, they called for additional research into risks and costs in various aspects of the international payments systems and offered a framework for such an examination. This dissertation examines these and other authors’ work from the literature, follows the development of actual systems newly implemented for international trade finance, and considers the impacts of electronic commerce on the field of international trade finance, in particular its effect on the costs and risks involved. This question is important because the burden of paper-based documentation that controls international trade is approximately 6% of $USD7.5 trillion per year. If efficiencies, even small ones, can be gained in this overhead cost, at an acceptable level of risk, then a substantial saving in real dollar terms can be achieved each year, improving the efficiency of world trade and easing the burden on both suppliers and consumers worldwide. The research questions are examined by means of a three round Delphi survey (three iterations of questionnaires with analysis and feedback between rounds) of a panel of experts drawn from international bankers, users of trade finance, and academic researchers into international trade finance and e-commerce. The survey first identifies the factors of greatest import and interest. It then digs deeper and seeks consensus on areas where there is divergent opinion, and finally seeks to critique a model based on the Berger, Hancock & Marquardt (1996) model. In the process the panel is able to estimate the approximate size of shifts in both costs and risks expected from the implementation of e-commerce methods. These are examined in light of the Malone Yates & Benjamin (1987) and Evans & Wurster (2000) theories and found to be consistent. This empirical confirmation of theoretical expectation, combined with estimates of the size of change are then used to make specific recommendations to various participants in the field of international trade finance so that they can reap the benefits of the transition in process.

E-CRM emerges from the Internet and web technology to facilitate the implementation of CRM; it focuses on Internet or web-based interaction between banks and their customers. In particular, E-CRM enables banks to provide appropriate service and products to satisfy the customer and enhance customer loyalty, Furthermore, E-CRM features are vital for managing customer relationships online. They are generally referred to as concrete website functionality or tools and they are required for customizing, personalizing and interacting with the customer. Without E-CRM features, CRM could not be realized on the Internet. In fact, in the literature, there appears to be an absence of theoretical model for effects of E CRM features on customer satisfaction in general, and E-CRM features affect service quality, which in turn leads to customer satisfaction in particular. Consequently, this research attempts to fill the information gap. The aim of this thesis was to examine the effect of various E-CRM features at the different stages of transaction cycle (pre-transaction, during-transaction, and post-transaction) on customer satisfaction on banks websites in Saudi Arabia. Six basic hypotheses were tested, as parts of a theoretical model of these E-CRM features against seven service quality dimensions selected from the SERVQUAL instrument and discussed in detail in Chapter (3). Data was collected through a questionnaire which was administered in the Western Region (Jeddah) of Saudi Arabia in April/May 2010. The empirical analysis was carried out using a structural equation model. The results form of this research indicate that the use of E-CRM in building customer relationships effects online customer satisfaction and service quality. The efficiency of E-CRM program determine the level of which online features, such as site customization, membership, site information, privacy, security, product or service customization, alternative payment and frequently asked questions would be implemented on banks’ websites. This research contributes to knowledge in several ways. Most importantly, it illustrates the roles of E-CRM features in enhancing service quality and customer satisfaction at different stage of transaction cycle. In particular, this research highlight the critical dimensions of service quality, which managers in the banking sector should invest in their customer satisfaction strategies.

Magistro baigiamasis darbas yra skirtas: pristatyti naują bankų veiklos kryptį - tiekiamas elektroninės bankininkystės paslaugas, nustatyti šių paslaugų paplitimo priežastis užsienyje ir palyginti su Lietuvos bankų elektroninės bankininkystės paslaugų išsivystymo lygiu bei, remiantis Lietuvos bankų oficialiomis prognozėmis, numatyti galimas šių paslaugų vystymosi tendencijas mūsų šalyje. Darbe akcentuojama, kad nauja vykdoma veikla bankams teikia ne tik naudą, bet ir lemia naujų rizikų atsiradimo galimybes, kurias banko specialistai privalo nuolat vertinti ir efektyviai valdyti tam, kad užtikrintų sėkmingą teikiamų paslaugų plėtrą. Atliktų apklausų (banko vartotojų ir darbuotojų, kurių darbas tiesiogiai susijęs su šių paslaugų tiekimu) rezultatai leido nustatyti vyraujančias priklausomybes, susijusias su elektroninės bankininkystės paslaugų naudojimu Lietuvoje ir parodė, kad banko paslaugų vartotojai pirmenybę teikia patogumui (funkcionalumui) ir saugumui (technologiniam faktoriui), o patys bankai, kuriant naujus arba tobulinant sukurtus produktus, orientuojasi būtent į šiuos du minėtus veiksnius.
The master work is designed: to represent a new bank activities direction – the supplying of electronic banking services, to estimate the spread reasons of these services abroad and to compare it with Lithuanian electronic banking development level and as a keystone, to foresee the potential pace of it future in our country, were used Lithuanian official bank forecasts. In work is emphasized, that the new movement of bank actions brings not only benefits, but also destines new uprising risks, which bank experts must always qualify and effectively manage, in order to vouch a successful services expansion. The results of two performed inquiries (of bank consumers and workers, who are directly linked with such services providing) allow to set mainstreams, which reflect electronic banking usage among Lithuanian citizens and show, that bank customers give preferences to service convenience (functional dimension) and security (technological factor), and when banks create new or improve existed products, they precisely follow up these two mentioned forces. Theoretical and practical analyse conclusions allow to maintain that, the interest of electronic banking customers, it positive evaluation and growing trust together will initiate it growth in future. Is identified that, service convenience, function and security can’t be guaranteed only by investments in reference technologies. The convenience and precise of electronic banking services give opportunity to banks to expand market... [to full text]

碩士
東吳大學
法律學系
103
In recent years, because of the electronic commerce thrive, electronic payment to be favoritist topic either banking or non-banking. Act in concert with the industry, " The Act Governing Electronic Payment Institutions " was completed the third reading by the Legislative Yuan on January 16, 2015. President announced on February 4, and the Executive Yuan set in operation on May 3. " Act Governing Issuance of Electronic Stored Value Cards " also complete the amendment announced on June 24, 2015. Given the bank's main instrument for the payment service provider, this thesis will discuss the legal issues of Electronic Stored Value Cards and the Third-party payment by banking practice of research. In addition, the banking sector is concerned, only a few banks want to third-party payment business, then many other banks still taking a wait-emerging electronic payment market. This relatively passive conservative attitude, the future will not escape when the tide impact. The presence of banking and non-banking cooperation between certain complementary and competitive relationship, how banks should respond to the rapid rise of third-party payment, and seek development in the competition; how to improve their own system, smooth and cooperate with non-banking are Banking’ enormous challenges. By discuss the model by banking and non-banking business , under-standing of the domestic and foreign laws, regulations and the status of de-velopment and related issues of banking and non-banking cooperative re-search and discussion, this paper will provider research conclusions and policy suggestions with the aim of further advancing th development of " Electronic Payment " in Taiwan. Keywords: Electronic payments, Electronic Stored Value Cards, Third-party payment