Dividend Policy and Dividend Decision Theories.pptx
E commerce , e-banking & e-shopping
1. Presented by :
Asif Ismail
Adnan Khan
Tauseef Umar
Zohaib Mohammad
2. Commerce refers to all the activities the
purchase and sales of goods or services.
Marketing, sales, payment, fulfillment, customer
service
Electroniccommerce is doing commerce with
the use of computers, networks and
commerce-enabled software (more than just
online shopping)
3. Consumer shopping on the Web, called B2C
(business to consumer)
Transactions conducted between businesses
on the Web, call B2B (business to business)
Transactions and business processes that
support selling and purchasing activities on
the Web
Supplier, inventory, distribution, payment
management
Financial management, purchasing products and
information
4. Increased sales
Reach narrow market segments in geographically
dispersed locations
Create virtual communities
Decreased costs
Handling of sales inquiries
Providing price quotes
Determining product availability
Being in the space
5. Loss of ability to inspect products from
remote locations
Rapid developing pace of underlying
technologies
Difficult to calculate return on investment
Cultural and legal impediments
6. Tier 1 Tier 2 Tier 3 Tier N
DMS
Client
Web Server Application Database
Server Server
6
7. The online selling of or enabling
the sale of products or services
to consumers.
8. Online shopping emerged with the development
of the internet.
Entrepreneurs saw the potential in online
shopping and sprung at the chance to make
virtual storefronts, so that consumers could shop
without leaving their homes.
9. There are over 70,000 new websites put on the
internet every hour.
Internet traffic is doubling every three months.
Projected annual internet commerce revenue
has grown from $35 billion in 1998 to $1.4 – $3.2
trillion in 2003.
(Taken from CISCO Systems WEB Site)
10. Fraud- Do you know the Company?
Security- Is your credit card safe?
Privacy- Is your information being sold?
Shipping- Are you getting the correct
product at the requested time?
Difficulty- Do you know how to shop
online?
11. Convenience
-Geographic
-Store hours
-Ease of transaction
-Quick and efficient shopping process
Information
-Quick location of items
-Easy price/attribute comparisons
12. Less dependence on intermediaries
-Geographic distribution
-Holdup
-Time to delivery
Marketing
-Target marketing
-Direct customer relationships
-Customer service
13. Differences
-Cannot try or test product before purchase.
-Minimum human interaction if any.
-Cannot pay by cash.
-Shop anytime online.
15. Online banking (or Internet banking) allows
customers to conduct financial transactions
on a secure website operated by their retail
or virtual bank, credit union or building
society.
16. Download Banking Transactions.
Download Credit Card Transactions.
Online Bill Payment.
Quickly Verify Bank Balances.
Transfer Money
Open and Close accounts
17. Check account balances
Balance a checkbook
Track recent account activity
Order traveler's, cashier's, and regular
checks
Issue stop payment requests
Apply for auto, mortgage, home equity,
student, or personal loans
Receive investment product and service
information
19. Start-up may take time: Technical difficulties
Learning curve
Bank site changes
Need an account with an Internet Service
Provider (ISP)
Security concerns, like "hackers" accessing
your bank accounts
Switching banks can be more cumbersome
online than in person
Must have basic computer skills and Internet
knowledge
Must be comfortable using a computer
20. DigitalEncryption
Usernames and PINs
Time-Out
Anti-Virus
Anti-Spyware
Firewalls
Password Protection Is The Key
Be aware of Phishes
21. • Banks need to implement higher levels of
security and authentication for "high risk"
transactions, "involving access to customer
information or the movement of funds to other
parties."
• Bank customers need more education and
awareness of security risks and procedures in
order to use online banking effectively.
• Banks should employ a combination of
authentication systems, such as passwords and
biometric readers, or PINs and longer passwords,
rather than relying on any "single" factor to
validate a customer's identity.