|
2009年以后的银行体制中,银行专注于提升网上银行价值链的增值服务水平，发展创造性的方式应对安全威胁,对综合供应链管理的整个生命周期的交易采取直通式处理,定制wbe2.0的社会网络，包括对社交网络用户提供更多的控制和监管,调整网上银行的多个频道，为顾客提供更多更好的技术体验，包括电子技术升级，电子资金转账/利用实施全额结算系统进行成批交易，移动银行服务,地理资讯系统、成像、工作流等。
趋于评估的争论越来越繁荣，贝宝和传统银行业的争论是无休止的，就像传统银行业与沃尔玛的辩论永远都是不够的。银行将网上银行作为媒介生成新的业务，通过交叉销售的有效途径吸引离线或潜在的客户,为各种企业和消费市场建立跨境服务。网上银行也被用作创建配置文件驱动各种银行产品营销活动的一个通道。
In the present regime of 2009 and beyond, the banks are concentrating on targeting the incremental service-level in online banking value-chain e.g. developing creative ways of countering security threats, targeting comprehensive supply chain management for entire life cycle of a transaction utilizing straight through processing (STP) , Customizing the social network in wbe2.0 including offering more control to the user , aligning internet banking with multiple channels to offer the best-in-breed technological upgrades to the customer including Electronic Fund Transfer (EFT) / bulk transfers using RTGS, mobile banking services, incorporating GIS, imaging, workflow etc.
The debates of Zopa, prosper, paypal Vs traditional banking are endless as if the debates on traditional banking Vs Wall Mart was not enough. Banks are targeting Internet banking as a medium to generate new business and attracting either offline or fresh customer through effective ways of cross-selling, establishing cross border services for various corporate as well as consumer segment. Internet Banking is also been used as a channel to create profile driven marketing campaign for various banking products.
As per Pew Internet & American Life Project in 2005, around 53 million Americans conduct majority of their banking online. This is approximately a quarter of all adults and this has risen over 47% since 2002.
Forrester predicts this online number to reach 74 Million household in USA by 2011. The major factor promoting this number is Generation Y, as this segment of online banking is expected to grow by 136% in next 5 years timeframe. EBPP is expected to be a major driver for achieving this envisaged growth of e-banking volumes.
Aite Group forecasts that by 2010, 13% of checking accounts will be opened online in the United States, up from 3% in 2006.
Global e-commerce activity is currently estimated to be approx 10 Trillion US$. Increasingly, Internet banking will be used as a payment mode either using physical / virtual credit cards or though fund transfer / direct debits. Currently Physical card plays a major role in these global payments with or without using Internet Banking.
Internet is one of most cost effective channel of conducting banking operations. It is estimated that Internet banking offers up to minimum of 60% (and much more at higher volumes) cost saving over normal offline banking. But this numbers keep changing esp inof SOA, Multi-channel integration, web 2.0 environments.
Bankers across the world have realized that customer using online banking have lesser attrition in comparison to other channel of banking and offer a relatively loyal customer to the bank. But can they take this for granted, as new online financial service community (esp non-banks) is posing strong threats?
Per product usage per customer for Internet Banking channel is growing exponentially comparing offline banking. But can this become a norm? Can they improve on this numbers as a lot needs to be done yet? Is profile driven campaigning used to it's best?Banks have to yetmature to providewithcomplete life cycle offerings in true sense.
As per Gartner, on an average, companies save about 45 cents every time they send an account statement electronically instead of by paper mail. A bank that sends monthly account statements by paper mail to 5 million customers would spend $27 million more than if it sent electronic statements. (So much less wood saved for countering global warming.)
Many banks have started waiving or reducing transaction fees on Internet banking accounts and have been for long, offering higher deposit rates to attract this cost-effective channel of banking transaction.
Branch managers (esp of traditional / old banks) across the globe have realized that Internet Banking offers is not a hindrance or competition to their business growth, but it complements the operations as it actually reduces the excessive burden of servicing customers.
Banks are offering customized reporting aligning with tools e.g. "Quicken 2007 or Microsoft money" etc for customers to analyze their income, expenditure items in various heads and this helps individual families to study / budget their spending from e-banking statements. But bankers need to watch as to how many percent actually use this flashy customized gadgets or are they spending money at wrong places.
"Offering image view for checks" is already an established value-add facility to the consumer after modern day regulations such as "check 21" have established it's footprint in USA. Banks in developed countries are also enabling customer to remote deposit checks using scanned images of checks, whereas many countries across the globe are far behind this initiatives. But why would you need checks in next decade? A thorough introspection is needed here.
Banks are struggling to defy the threats of hacking, hacking, Phishing, Pharming, keystroke logging, Trojan horses etc The organization-wide extensive IT security policy involving establishing protection to IT and network infrastructure, anti-intrusion initiatives, multiple audit programs, tracking suspicious trends, disaster recovery and business continuity, regulatory compliance, customer education and awareness programs are being utilized to counter external threats and save consumers from any probable attacks. FFIEC'srecent authenticationnorms have opened up new scenario and opportunities, but debates on Man-in-the-middle" or "is this full-proof protection" continue. A major industry-wide drive is needed to counter the security threats in terms of actions from banks as wells customers.
Banks are now providing liability guarantees for any unauthorized transaction over Internet, but a lot is desired as compelling restrictive clauses in the "small-print" not doing enough justice to customer's apprehension towards security threats. Infact Industry-wide debateas well asco-operation amongst players is must and not just wishful.
Can we devise threats-free and full-proof / secured environment, where users will have to conductminimum actions and not be held responsile for type of anti-virus, anti-threat gadgets they use? I pray this would be true in next decade or so.
Mobile banking may cross over Internet Banking volume within less than a decade. (Internet channel heads, better watch out) Multi-channel enabled applications is driving the technology architectures, assuming newer channel-driven growth paradigms |
 |
|||
| 网站地图 |
