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Online Banking
 

Online Banking

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    Online Banking Online Banking Presentation Transcript

    • Online Banking: Internet Commerce Written by: Richard Sullivan and Zhu Wang; Dan Sarel and Howard Marmorstein Presentation by: Allen Thi
    • How do you do your banking?
      • In person?
      • Online?
      • By phone?
      • Mobile banking?
    • Online Banking
      • Account Balances
      • Account Activities
      • Transfer Funds
      • Pay Bills
      • In 2004, 75% of banks had websites
      • Out the of 75%, 62% had online banking capabilities.
    • Why is online banking greater in the East and West as oppose to the center of the nation? From Sullivan and Wang reading
      • Larger banks adopt online banking
      • “ 96% of banks with assets over $300 million reported that they had a Website, compared to only 51 percent of banks with assets under $100 million.”
    • Why online banking?
      • For the bank:
        • Cost saving
        • Reduces marginal cost per transaction.
      • For the client:
        • Convenience
        • Efficient
        • Easy to use
    • The Nation on Online Banking…
      • Not all clients are on board.
        • Older generation
      • The banks have not cut cost.
        • Are now cutting cost in our areas of the bank.
    • Discussion Questions
      • Do you believe online banking and mobile banking will eliminate the need of having a teller?
        • Deposits can be made through ATMs.
      • What improvements would you suggest to your bank regarding online banking?
      • Any bank related questions?
    • References
      • Sullivan, R, & Wang, Z (2005). Internet Banking: The Exploration In Technology Diffusion and Impact. Retrieved May 20, 2009, from http://www.kansascityfed.org/publicat/psr/IBANK-Sullivan-Wang.pdf.
      • Sarel, D, & Marmorstein, H (2003). Marketing Online Banking Services: The Voice of the Customer. Journal of Financial Service Marketing , Retrieved May 20, 2009, from http://www.palgrave-journals.com/fsm/journal/v8/n2/pdf/4770111a.pdf.