The aim of this research is two-fold. Firstly we conducted a wise comparative analysis of EU 27 countries and secondly we identified distinct e-banking user segments of Portuguese citizens. We used a ...questionnaire for data collection (n=2358) and Latent Class Models (LCM) for data analysis. LCM revealed three segments in EU 27 (Portugal is in the poorest cluster, concerning the indicators used, with Greece, Spain and Cyprus) and two e-banking user segments in Portuguese citizens: Those who do not risk (49%), and Those who risk (51%). Our findings enable e-banking managers for taking appropriate strategic decisions.
•We model Portuguese citizens׳ pattern on home banking, concerning risk.•Females are majority risk citizens and disagree to Insurance Services Internet.•We identified relevant factors to predict user׳s home banking service.
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GEOZS, IJS, IMTLJ, KILJ, KISLJ, NUK, OILJ, PNG, SAZU, SBCE, SBJE, UL, UM, UPUK
This article reviews the evidence on the importance of finance for economic well-being. It provides data on the use of basic financial services by households and firms across a sample of countries, ...assesses the desirability of universal access, and provides an overview of the macroeconomic, legal, and regulatory obstacles to access. Despite the benefits of finance, the data show that use of financial services is far from universal in many countries, especially developing countries. Universal access to financial services has not been a public policy objective in most countries and would likely be difficult to achieve. Countries can, however, facilitate access to financial services by strengthening institutional infrastructure, liberalizing markets and facilitating greater competition, and encouraging innovative use of know-how and technology. Government interventions to directly broaden access to finance, however, are costly and fraught with risks, among others the risk of missing the targeted groups. The article concludes with recommendations for global actions aimed at improving data on access and use and suggestions on areas of further analysis to identify constraints to broadening access.
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This study examined the effect of E-bank service on E-Trust with E-Security approach. So this research discusses the issue based on Theoretical frame work of marketing and E-Banking. Then a ...questionnaire was designed to evaluate the variables and finally with certainty of Reliability and Validity of evaluation device, was administered among 260 customers of Iran Melli Bank. Results of the research model show that E-bank service affects E-trust on the whole. It was also revealed that each component of E-Banking affects E-trust; consequently the research hypotheses were confirmed. In the end, this research introduces ways for designing e-banking service from the point of view of security that can help banks with security and e-banking and consequently costumer orientation.
As a new channel of loan, network loan is more suitable than traditional bank loan for small and medium-sized enterprises. Various network loan services are provided by commercial banks and ...e-commerce platforms. This paper deals with the relative advantages and applications of some kinds of network loan for small and medium-sized enterprises, by the comparative analysis of several typical ways of network loan, such as network joint guarantee loan, e-commerce platform loan, revolving loan of e-bank, etc. And the conclusion is that these kinds of network loan have their respective advantages and limits. So the requirements and business characteristic should be clear and considered when the enterprises carry on network loan, instead of blindly choice.
The effects of the usage of e-bank on performance Jin Yufang; Luo Yuan
2009 2nd International Conference on Power Electronics and Intelligent Transportation System (PEITS),
2009-Dec., Volume:
3
Conference Proceeding
With the development of information technology,e-bank is increasingly used for payment. Based on the TAM and ID theory, this paper explores the effect of usage of e-bank on bank's performance. The ...bank performance is invided into financial and relational performance. The usage of e-bank affacts the financial performance by customer share, and affacts the relational performance by customer dependence. This results is helpful both to understand the e-payment academic research and to guidence to e-bank in practice.
E-bank has been making great development because people's life pace is accelerating and the demand of their financial business is growing fast. Although the USB key based e-bank is relatively safe, ...it is not convenient to use. At a time when using e-bank, it occurs that people don't bring USB keys with them. In this paper, a digital signature solutions for e-bank based on PKI-SIM cards is introduced which covers the shortage of USB key.
We have considered a scenario in Financial Institutions(FI) like e-banks where there is facility for e-cheques to replace paper cheques. Everyday banks receive a large number of cheques signed by ...different signers. These cheques need to be submitted to their corresponding clearing banks over internet for clearance. After verification the clearing banks send signed instructions to the cheque submitted bank stating whether the cheque is accepted or rejected. This instruction is very important for any cheque submitting bank and it must verify the signed instruction. To verify this signature, the bank must have access to the signerpsilas public key and have assurance that it corresponds to the signerpsilas private key. But banks cannot store public keys of all possible transacting banks. Therefore there is need for a method to verify a signature without using the public key but still be convinced that it is signed by the actual signer. As e-cheques are transferred over internet, valid signatures of the bank clearing the e-cheque (as the e-cheque leaves are issued by this bank), payer and payee of the e-cheque are already available on the e-cheque submitted by the payee. Therefore we have come up with a method by which one can verify that a new signature received from a signer indeed belongs to the same signer without the help of public key of the signer but instead using the valid signature of the signer available on the e-cheque. This scheme works with the most widely used DSA and ElGamal Schemes. We consider another scenario in which a bank receives n signed cheques out of which some of them may be signed by the same signer and others by different signers. To avoid individual verification of the cheque, we propose a method by which the verifier will be able to verify all the cheques at a time using a single verification equation. This saves ap 160n modular multiplications when compared to individual signature verification of DSA.
Information and communication technologies innovating applications have posed technical, organizational and commercial challenges in financial industry. This study uses a hypercube model to ...investigate E-bank innovative changes in China and discuss their impacts on stakeholders: customers, banks, complementary providers and regulators. The results indicate that Internet bank (I-bank) differs substantially from telephone bank (Tele-bank) in technological components and business model. From Tele-bank to I-bank, innovation is radical to customers, banks and complementary providers, architectural regulators. However, From I-bank to Mobile bank (M-bank), innovation is architectural to customers and banks, modular to regulators, radical to complementary providers. We think that the innovation from Tele-bank to I-bank is not a simple supplement process. The changes will widely influence on the whole banking industry. The innovations from I-bank to M-bank, it is thought to be primarily a process of supplement rather than a process of substitute.
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