description of various consumer oriented applications

1. CONSUMER
ORIENTED
APPLICATIONS

2. Personal Finance Management
• Also known as home banking or
remote banking
• Home banking services:
Basic services
Intermediate services
Advanced services

3. 1. Basic Services
ATM (automated teller
machine) : deposits and cash
extraction.
ATMs resulted in real cost
savings.
Customers demanded greater
ATM services.
ATM became heterogenous
computers on network.

4. Home banking was expensive service that
required PC, modem and special software.
(later resolved quickly)
Home banking is a part of mobile, computers,
televisions.
Data is maintained in a database and
import/export is performed between the
banking applications.
2. Intermediate services

5. 3. Advanced services
Helps to avoid long lines
Gives customers the
flexibility of doing banking at
any time
Costs are less when
compared to the cost of
processing transactions
manually
3. Advanced Services

6. Home shopping
Television based
shopping
T.V shopping has
been for years that
provide wide variety
of goods.
To target customers,
channels are often
specialized.
Catalog based
shopping
 Catalogs fit certain
parameters like
safety, price and
quality.
 Consists of
brochures, CD-ROM
catalogs, and
online interactive
catalogs.

7.  Entertainment is expected to give
each viewer total control over
what, when and where to watch.
 The key element is the notion of
customer control over
programming.

8. • Service providers deliver 1-way
information to consumers
• Creation of new transaction
category called small- fee
transactions for micro-services.
• Problem is re-verification
Micro transactions of information