Electronic banking, WHY? Bank: It is cheaper way! Client: Easy to use!
Light calculation: Average branch at Serbia monthly: costs 25.000 EUR No 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?
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? Features Business features (e-Invoice, selling bank products…) Technical features (eBank for non-technical users…) 2 . New channels Microwave 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.
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
Customer’s view: - Simple installation
Error non prone
TV Banking T-Banking is about exploiting the television’s existing reach into households as a viable banking service delivery channel.