E banking trends

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E banking trends

  1. 1.
  2. 2. E-BANKING<br />TRENDS<br />
  3. 3. Electronic banking, WHY?<br />Bank:<br />It is cheaper way!<br />Client:<br />Easy to use!<br />
  4. 4. Light calculation:<br />Average branch at Serbia monthly: <br />costs 25.000 EUR<br />No of Transactions : 20.000<br />If eBanking process 100.000 transactions, <br />does it mean that eBank real cost is 120.000 EUR monthly?<br />1.5 million EUR yearly?<br />
  5. 5. Payment Cards vs. eBanking<br /><ul><li>Cards earn money, eBanking not!?
  6. 6. eBanking replaces frequently operations at branch…
  7. 7. Payment card covers frequently operations (paying of goods) at shop…</li></li></ul><li>eBanking will be developed, in which way?<br />Features<br />Business features (e-Invoice, selling bank products…)<br />Technical features (eBank for non-technical users…)<br />2 . New channels<br />Microwave banking?<br />
  8. 8. Key Point: How to sell bank’s product or service?<br />-Is it possible to use eBank for selling?<br />- Virtual banks at USA.<br />- Target sales: Sales behind Login.<br />
  9. 9. Target Sales<br />
  10. 10. Electronic invoices <br />Handling paper is expensive! <br />-complex workflow<br />-error prone <br />-time consuming<br />
  11. 11. EU initiative<br />- To promote the mass adoption of electronic invoicing throughout Europe<br />“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.”<br />
  12. 12. Department of Defense <br />
  13. 13. IT improvements <br />Bank’s view:<br /> - scalability<br /><ul><li> Reliably
  14. 14. security
  15. 15. Easy maintainable</li></ul>Customer’s view:<br /> - Simple installation<br /><ul><li> Invisible update
  16. 16. Error non prone
  17. 17. Fast</li></li></ul><li>TV Banking<br />T-Banking is about exploiting the television’s existing reach into households as a viable banking service delivery channel. <br />
  18. 18. Decrease costs, increase profit !<br />Thank you!<br />

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