Date post: | 06-May-2015 |
Category: |
Economy & Finance |
Upload: | meritor |
View: | 2,478 times |
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E-BANKINGTRENDS
Electronic banking, WHY?
Bank:It is cheaper way!
Client:Easy to use!
Average branch at Serbia monthly: costs 25.000 EURNo of Transactions : 20.000
If eBanking process 100.000 transactions, does it mean that eBank real cost is 120.000 EUR monthly?
1.5 million EUR yearly?
Light calculation:
Payment Cards vs. eBanking
-Cards earn money, eBanking not!?
-eBanking replaces frequently operations at branch…
-Payment card covers frequently operations (paying of goods) at shop…
eBanking will be developed, in which way?
1. Featuresa) Business features (e-Invoice, selling bank products…)b) Technical features (eBank for non-technical users…)
2 . New channelsMicrowave banking?
Key Point: How to sell bank’s product or service?
-Is it possible to use eBank for selling?
- Virtual banks at USA.
- Target sales: Sales behind Login.
Target Sales
Electronic invoices
Handling paper is expensive! -complex workflow-error prone -time consuming
EU initiative
- To promote the mass adoption of electronic invoicing throughout Europe
“EU recommends that member states focus on the specific needs of small and medium-sized enterprises (SMEs), harmonies the European regulatory framework and adopt a standard for invoice data forms and content.”
Department of Defense
IT improvements
Bank’s view: - scalability- Reliably- security- Easy maintainable
Customer’s view: - Simple installation- Invisible update- Error non prone- Fast
TV BankingT-Banking is about exploiting the television’s existing reach into households as a viable banking service delivery channel.
Decrease costs, increase profit !
Thank you!