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- U.S. Consumers and Electronic Banking, 1995-2003
- This paper draws on data from two nationwide surveys--the Board's Survey of Consumer Finances and the University of Michigan Survey Research Center's Surveys of Consumers--to look at consumer use of e-banking technologies, and the relationship between these factors and the characteristics of selected e-banking products and services. The variety of...
- White papers 2004-02-18
- The Changing Landscape of Corporate e-banking: Larger Banks Are Driving the Rate of Change. Can the Rest Compete?
- Banking has made the Internet and associated developments a major issue for banks of all sizes and scale. Strategically, all banks are re-examining opportunities for adding value in an open environment. As the merger and consolidation frenzy remains unabated banks need to defend their positions and compete on the basis...
- White papers 2003-02-25
- e-Banking -Are Banks Making the Most of It
- Banks have to grapple with how to gain a prominent place in the world of electronic commerce. At the outset, many saw the Internet as merely another delivery channel, bringing greater flexibility, reduced costs (no need to install software at all of those end-users) and security risks. However, in some...
- White papers 2003-02-25
- Adoption of Electronic Banking: Underlying Consumer Behavior and Critical Success Factors
- This paper discusses on the emergence of electronic banking, which has been a topic of increasing interest in recent years for both academics and practitioners, as the changes taking place in the field are clearly observable. However, the growing interest has not been matched well enough with relevant studies that...
- White papers 2003-04-14
- Convenience as Consumer Value in Electronic Banking
- Perceived convenience is recognized as one of the most important factors in consumer choice behavior in general and particularly in electronic banking. However, many researchers have argued that the concept itself is not sufficiently elaborated for empirical analyses. This paper aims to investigate the internal nature of convenience in the...
- White papers 2004-11-13
- Electronic Banking: The Check Truncation Issue
- The clearing process for checks is more expensive than other methods of payment, which are cleared electronically, such as credit cards and Internet banking. The main reason is that check clearing requires banks to physically present and return checks unless they obtain legal agreements to clear electronically. This report focuses...
- White papers 2003-07-03
- e-Banking - Are Banks Making the Most of It?
- Banks have to grapple with how to gain a prominent place in the world of electronic commerce. At the outset, many saw the Internet as merely another delivery channel, bringing greater flexibility, reduced costs (no need to install software at all of those end-users) and security risks. However, in some...
- White papers 2003-02-25
- Issues: The Security of Electronic Banking, Legacy of the c0w
- This article briefs about the security factor in electronic banking. Obviously, the possibility of anyone tampering with this information is definitely something a bank would like to stay clear of. Recent virus incidents clearly show that the realization of the need of security is still lacking way behind. Computer science...
- White papers
- Electronic Banking Group of the Basel Committee for Banking Supervision
- The Electronic Banking Group's EBG work plan reflects the consensus view that bank supervisors should collaborate actively to determine and share sound supervisory guidance and principles regarding e-banking activities. Such efforts would provide the foundation for a harmonized approach to the supervision of e-banking within the global bank supervisory community....
- White papers 2000-10-01
- Basel Committee on Banking Supervision
- This paper has two main areas of focus. The first is to identify banks' risk management responsibilities with respect to cross-border e-banking. The second objective is to focus attention on the need for effective home country supervision of cross-border e-banking activities as well as continued international cooperation between banking supervisors...
- White papers 2003-07-01
- Who Uses Electronic Banking? Results from the 1995 Survey of Consumer Finances
- This paper suggests that relatively few households use relatively new electronic technologies, and that household use of electronic sources of information for financial decision making is barely off the ground. This paper also reports results of one of the first, and to our knowledge the most comprehensive, attempts to implement...
- White papers 1997-01-01
- Electronic Banking
- This article is about the electronic banking, it defines the advantages of using this services and explain the errors that occur at the time of using the this service. For many consumers, electronic banking means 24-hour access to cash through an automated teller machine ATM or Direct Deposit of...
- White papers 2003-01-01
- Electronic Banking Basics
- Electronic banking, also known as electronic fund transfer EFT, uses computer and electronic technology as a substitute for checks and other paper transactions. EFTs are initiated through devices such as cards or codes that you use to gain access to your account. Many financial institutions use an automated teller machine...
- White papers
- Risk Management Principles for Electronic Banking
- This article is about the e-banking system. Continuing technological innovation and competition among existing banking organisations and new entrants have allowed for a much wider array of banking products and services to become accessible and delivered to retail and wholesale customers through an electronic distribution channel collectively referred to...
- White papers 2001-05-01
- The Second Coming Of Online Banking
- Electronic banking can cut costs, slash paperwork, and eliminate float and render many cash-management strategies obsolete. To use electronic banking, a customer uses a modem to dial directly into the bank's computer, avoiding the network of computers that provides access from around the world. Electronic transaction service providers Hired by...
- White papers 1996-05-01
- Trade Policies and the Legal Perspective of Electronic Banking Activities in the Single European Market
- An undiluted policy of mutual recognition and "home country" control is often regarded as an effective remedy to the dysfunction of the single financial area. This paper intends to support this argument. In particular, it will make the case for genuine "home country" banking supervision over cross-border electronic banking activities...
- White papers 2004-08-02
- Report of the Technical Committee on Electronic Banking
- The paper recognizes that there are many issues relating to e-banking, and that some of them have assumed critical urgency. The Bank, therefore, needs to put in place guidelines that would ensure that, the operation of e-banking does not limit the effectiveness of CBN's monetary policy operations, the risks associated...
- White papers 2003-02-01
- Electronic Banking From a Prudential Supervisory Perspective
- This paper not only deals with developments in the banking sector but goes on to discuss, in particular, the way electronic banking influences the risks assumed by credit institutions and financial services institutions. The specific design of the technical security infrastructure is proving to be a key factor. The changed...
- White papers 2000-12-01
- Final Rule on Electronic Banking
- The Office of the Comptroller of the Currency OCC is amending its regulations in order to facilitate national banks' ability to conduct business using electronic technologies, consistent with safety and soundness. This final rule groups together new and revised regulations addressing: national banks' exercise of their Federally authorized powers through...
- White papers 2002-04-17
- Electronic Banking
- For many consumers, electronic banking means 24-hour access to cash through an automated teller machine ATM or direct deposit of paychecks into checking or savings accounts. This article provides an overview of electronic banking, also known as electronic fund transfer EFT, which uses computer and electronic technology as a substitute...
- White papers
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