E banking trends
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E banking trends

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E banking trends E banking trends Presentation Transcript

  • E-BANKING
    TRENDS
  • 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.
  • 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 Banking
    T-Banking is about exploiting the television’s existing reach into households as a viable banking service delivery channel.
  • Decrease costs, increase profit !
    Thank you!