E-Banking and Emerging Multidisciplinary Processes: Social, Economical and Organizational Models
E-Banking and Emerging Multidisciplinary Processes: Social, Economical and Organizational Models
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DOI：
10.4018/978-1-61520-635-3
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发表时间：
2010-08
期刊：
影响因子：
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通讯作者：
M. Sarlak;Asghar Abolhasani Hastiani
中科院分区：
文献类型：
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作者：
M. Sarlak;Asghar Abolhasani Hastiani
本章的目的是简要回顾电子银行服务，特别是在发展中经济体，突出电子银行的主要挑战，并提出应对这些挑战的指导方针或建议。技术为客户提供了新的银行服务方式。发达国家的电子银行客户已经完全了解电子银行服务，但发展中经济体的客户仍然落后。很明显，交付渠道缺乏满足客户需求的能力，没有让他们了解电子银行，使用过时或不太先进的技术。因此，我的结论是，发展中国家的银行应该沉浸在关于电子银行的所有错综复杂的问题中，以确定如何影响客户，并使其获得最大利益。另一个问题是，农村地区的银行设施很少或根本没有，此外，在这些地区几乎不可能上网，因此对这些服务的认识和利用很少或根本没有。最后但并非最不重要的是，银行必须适应电子时代。消费者需要它。经济驱动它。银行必须利用它。DOI：10.4018/978-1-61520-635-3.ch003
The objective of the chapter is to present a brief review of E-banking services especially in the developing economies, highlighting the major challenges of E-banking with a guideline or recommendations to address those challenges. Technology has introduced new ways of delivering banking to the customer. Developed countries (DC) customers of the E-Banking services are fully aware of the services but the customer’s in the developing economies still lag behind. It is clearly seen that delivery channels are lacking in meeting the demands of the customer by not making them aware of e-banking and using obsolete or not too up-to-date technology. I would thus conclude that banks in the developing countries should drown themselves in all the intricacies regarding e-banking to determine ways that will affect the customers in and use it to their maximum benefit. The other issue is that there are very few or no banking facilities in the rural areas and furthermore, access to the internet is close to impossible in these areas therefore awareness and utilization of these services is very little or none at all. At last but not the least is that Banks must adapt to the electronics age. Consumers demand it. Economics drives it. Banks must exploit it. DOI: 10.4018/978-1-61520-635-3.ch003