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E-business - E- banking

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Introduction

´╗┐FINAL ASSIGNMENT ________________ E-Business SUMMARY Introduction 1. Presentation of the E-Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . p.4 1. The definition of the E-Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . p.4 2. The launch of the E-Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . p.5 3. Bank online and traditional Bank. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . p.5 1. The advantages of the E-Banking. . . . . . . . . . . . . . . . . . . . . . . . p.7 1. Opportunities and future prospects. . . . . . . . . . . . . . . . . . . . . p.11 1. Bank and social network. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .p.11 2. Bank and mailing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . p.12 3. The arrival of the video banking. . . . . . . . . . . . . . . . . . . ...read more.

Middle

So we will define the benefits of the E-Banking through these two points of view. 1. According to the customers? point of view From the clients? point of view, we first hypothesized that the advantages of E-Banking is largely similar to the E-business because the E-banking allows them to benefit of the advantages such as: - Availability 24/24: Any time or any day, the customers may realize their transactions at any moment. That is the big advantage of the E-Banking. Customers do not wonder if their agencies are open or not. - Ability to carry out banking transactions anywhere in the world. The main characteristic of the Internet is that we can use it anywhere in the world. Thus, one of the major benefits of E-Banking is that no matter where the client is, he can do banking transaction. Geographical distance is no longer a problem with the E-Banking. The customer can do banking transactions quickly and easily from home and everywhere in the world. One of the advantages of the E-Banking is also that the customer does not need to make queue to access at a bank counter or an ATM. - More and more services offered Over the years, features, options, possibilities and applications have been enriched and the customer can now find a whole range of information that allows it a management of its bank account more and more complete. 2) From the point of view of the bank 1. New perspectives? At the beginnings, banks used the Web as a "shop window" with the goal to present the company. Over the years, banking sites have evolved into true transactional tools. Thanks to the web, customers could then obtain information about the various banking products offered by the bank, check their accounts ... It even became possible to contract a loan or do investment transactions. Initially, and like most companies that were present on the web, using e-banking was paying. ...read more.

Conclusion

Thanks to the video banking, the banker and the customer will share one screen of data. All the information concerning the latest customer transactions, as well as its latest banking activities of any kind will be present on the screen of the banker and the client. However, the banker will have some additional data which will be reserved it as the marketing program for example, the "credit store", some information reserved to the employees of the bank ... These information are designed in order to offered at the customers the banking services or products that would be most in line with the banking situation of the customer. In other words, they serve to assist the banker to sell their services and products. The use of this new kind of communication which is the "video banking" is, today, only available to customers with high value but in the future, it is sure that this new mode of communication will be used in mass, that is to say for all types of clients. We can imagine that tomorrow, the use of "video banking" will dominate the next generation of retail banks and the e-business in general because it could be used for any companies which sell their services or product on Internet. CONCLUSION To conclude, we have seen that the main advantages of the E-banking are the same than the E-business in general. Indeed, as any companies which offered their services and products on Internet, for the clients, there are availability 24 / 24, we could make some banking transactions everywhere in the world, ? and for the bank, the costs have largely decreased when the transactions are made on internet and there are lots of opportunities of growth for the bank with the E-Banking. We see appear today some bank which operates only on Internet and that did not exist there is only 4 years. Then we can think that in the future, the traditional bank will be replaced by the E-banking and the agencies will disappear. ...read more.

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