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E-Banking in China, 2005.
This paper discusses e-banking services especially its customer satisfaction and the development of e-banking in China.
6,680 words (approx. 26.7 pages), 16 sources, APA, £ 96.95
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Abstract
This paper explains that viewing the Internet as only a marketing tool is a vast mistake because the Internet has vast applications to making the way of doing business not only easier and less costly, but also completely different than traditional banking. The author points out that Chinese banks, like the China Merchant Bank, will be able to strengthen relationships with existing customers by allowing them to access via its Website previously inaccessible decision-support information, such as detailed account reports, product specifications and interest rate comparisons at their own convenience. The paper, using many strategy analysis tools, concludes that e-banking is a viable solution to the problem of escalating costs of human tellers dealing with smaller depositors; therefore, Chinese banks, who are focused on ROI (return-on-investment) in order to prioritize and evaluate its goals, should develop an e-strategy.
Table of Contents
Introduction
Overall Review of E-Banking Industry
Customer Loyalty
Customer Needs and Meeting Them
Strategy for Building Customer Loyalty
China Merchant Bank
Risk Prevention in E-Banking of China
From the Technical View
E-Supply Chain Management
Procurement
Enterprise Resource Planning (ERP)
From the Managerial View
Strategic Plan
SWOT Assessment
Porter Five Forces
Porters Five Force Model
Customer Bargaining Power - High
Threat of Substitute Products and Services - Emerging
Supplier Bargaining Power--low
Threat of New Entrants - Emerging
The Overall Level of Rivalry - Moderate
Value Chain Model
Conclusions
From the Paper
"Contrary to popular retail belief, customers are not looking for the lowest price. Thompson writes, "the savvy business can only be differentiated by price." Businesses need to take into an account not only the traditional way to compete with a commodity is to lower cost of manufacturing and then lower the price to drive additional sales to make it up on volume. A company should consider other factors like the value of their service or product but also to consider the value of add-ons to product. Such incentives can rationalize asking a higher price and the customer will be happy with additional quality found in the added value. Customers need to see the value, once they know it is there then the price is not an object."
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E-Banking Operations, 2004.
An analysis of the emergence of e-banking operations.
1,600 words (approx. 6.4 pages), 6 sources, MLA, £ 33.95
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Abstract
This paper contends that in terms of speed, availability, operational ease or time saving, e-banking has become one of the most revelatory experiences in the way information technology was applied. It investigates the separate benefits and advantages that e-banking provides, both for the customers and for the banks where the services are available.
From the Paper
"Any enumeration of the advantages and benefits of e-banking should perhaps first start with a definition of the concept, which will highlight some of the essential profiles of e-banking. As such, e-banking refers to "a service (...) that allows you to conduct banking transactions over the Internet, using a personal computer, mobile telephone pr handheld computer, such as a personal digital assistant". These transactions generally range from simple bill payments, to B2B transactions and to money transfers between accounts."
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E-Banking in the United Kingdom, 2006.
A look at the introduction of e-banking services at the HSBC BANK (U.K.) and its impact on the functioning model of the bank in the United Kingdom.
2,571 words (approx. 10.3 pages), 6 sources, MLA, £ 48.95
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Abstract
This paper researches and examines the elements and challenges that are critically important for banks introducing e-banking services. The paper discusses the impact that this will have on the functioning model of the bank. The paper focuses on the HSBC BANK (U.K.) in particular.
Outline:
Objective
Product Packaging for Smaller More Lucrative Segments
e-Banking in the E.U. Labeled: "Non-Optional"
Challenges and Risk Factors Faced by Central Banks in the U.K.
Summary and Conclusion
From the Paper
"E-banking is stated to be that which "could facilitate money-laundering, although electronic systems may also help in its detection." (Ibid) Listed as well is "dangers of false representation and identity theft." (Ibid) Retail payments are being integrated into the payment system with a "global standard with a common layout" being that which is 'desired'. The goal: "achieve delivery-versus-payment at a retail level." (Ibid) There is a stated need for regulation for the purpose of promotion of "open and common standards" the minimization of "switching costs" and to allow for "flexible pricing". (Ibid) It will be critical that central banks both assessing and deal with the potentiality in terms of risk that exists in relation to e-finance and this is "not just because of the differing developments in e-finance across economies but also because of differences in the responsibilities assigned to central banks. "
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E-banking, 2002.
A look at e-banking and the costs associated with it.
1,150 words (approx. 4.6 pages), 5 sources, £ 27.95
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Abstract
This paper analyzes the framework that builds e-banking and how its variable costs are associated with its structure.
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E-Banking, 2004.
An analysis of the risks involved in e-banking.
1,197 words (approx. 4.8 pages), 7 sources, MLA, £ 26.95
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Abstract
This paper discusses the increasing trend of online banking. The paper contends that there is little doubt that the innovation of e-banking and the growth of technology have combined to increase the risks faced by financial institutions. The paper asserts that these risks need not be seen as detrimental, but rather as an opportunity to establish services of high quality for customers who will provide value for the institution. The paper states that no venture is risk free; the aim should be to reduce risk through effective strategic management.
From the Paper
"The rapid increase of technology from the second half of the 20th century has touched nearly every area of life. Education, entertainment and other leisure activities have all benefited from technological advances, which mainly focuses on Internet and communication technology. Banking is no exception to this paradigm. The Internet has made a variety of banking activities possible from the comfort of one's home or workplace. Transactions can for example include payments, shopping and other account management possibilities. This however has opened up an opportunity for fraudulent practices by for example hackers, which would not before have been possible. This is only one of the risks associated with electronic banking, or e-banking. From the point of view of financial institutions then, e-banking has substantially increased the risks of banking in a variety of ways."
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E-Banking, 2004.
An analysis of the risks of e-banking.
770 words (approx. 3.1 pages), 6 sources, MLA, £ 17.95
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Abstract
This paper examines the extra risk involved in online banking over the traditional brick-and-mortar channel. The paper presents several examples of breaches of security concerning on-line banking. The paper contends that ultimately banks will have to determine if the benefits outweigh the negatives and will have to continue to innovate security measures to make online banking safer.
From the Paper
"Security is one of the major concerns of online banking and has not been completely addressed. Growth in complaints about electronic funds transfer fraud has already doubled since 2002 even as banks have gotten more security savvy (Sullivan, 2005). The risk for banks is great, stemming from investments in a banking channel that could see negative growth as fraud proliferates and the possibility of increased liability, not just for their own security breaches, but for issues of their customers as well depending on the outcome of recently filed lawsuits."
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Impact of E-Banking on the Banking Industry, 2006.
An in-depth analysis of individual commercial banks and how they service their customers.
13,765 words (approx. 55.1 pages), 31 sources, APA, £ 157.95
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Abstract
This paper discusses individual commercial banks and how they service their customers. It analyzes the quality of banking services that a customer gets and how the services are provided to the customer. It describes the three main channels for banking today - through branches, through the internet and on telephone.
Table of Contents:
Introduction
Chapter I
How Internet Banking Has Grown In The Last Decades, Especially Regarding New Product Being Offered
Evolution of Internet Banking
Present Status and Profile of E-Banking Offered By Banks
Nature of Product Offered
Chapter II
The Operations of Banks In Different Areas: What Is The Contribution?
Effects of E-Banking on Banking Operations: What Is The Contribution of Internet Banking Toward The Business?
Chapter III
General Benefits of Banks From E-Business and Other Communication
Performance Measurement
Chapter IV
Reality of System Risks and Control
Conclusion
From the Paper
"To understand the relationship that can develop between the Internet and banks, one has to first understand the nature of both these items. The first to be understood is the banks. So far as banks are concerned, at the beginning of the twenty-first century, central banking which is the source of all banking activity would appear to be at a crossroads in their future. Earlier it was the lender of last resort, active participant in stabilizing economic fluctuations, and now the present main function is being the guardian of price stability. As it is still the monetary authority, much is expected from them. At one stage, fiscal policy was considered to be the main instrument of economic policy, the situation changed to an ascendancy of monetary policy and that was noted by the late 1980s in most parts of the industrialized world. This had a lot of implications for the role of the central bank."
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E-Commerce And The Maryland Food Bank, 2002.
Examines the advantages to the food bank of implementing a computer system.
2,250 words (approx. 9.0 pages), 6 sources, £ 50.95
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Abstract
Advantages to the food bank of implementing a computer system. Food bank's leadership role in use of technology. Goals of the organization. Background and current situation. Dependence on volunteers. Objectives and concerns. How e-commerce enables the food bank to meet its goals. Inventory system. Use of Intranet. Increased communication. Hardware needed.
From the Paper
"Introduction
E-commerce (electronic commerce) is typically associated with for-profit organizations that use the Internet to conduct business and perform transactions. Companies such as eBay and amazon.com have garnered large amounts of media attention as revolutionizing the way in which goods and services are being exchanged, and as posing significant threats to traditional "brick and mortar" stores. Business-to-business transactions actually compose most of the transactions which occur on the World Wide Web, and both nonprofit and for-profit organizations are reaping the benefit of this new technology. The Maryland Food Bank was a pioneer in the use of technology, and its current drive toward using the Internet is consistent with its leadership role in this area. This research considers the food bank's current situation, the key ..."
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Europe's Emerging Banks and the U.S. Banking History, 2002.
This paper analyzes the banking industry in the United States from the mid-18th through mid-19th century in order to understand the evolution of the banking industry in Europe's developing economies in the 20th century.
2,480 words (approx. 9.9 pages), 6 sources, APA, £ 47.95
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Abstract
This paper presents four potential dangers to banks in emerging markets and relates them to the lessons of the founding banking system of the United States: Macroeconomic volatility, connected lending, political involvement and financial liberalization. This paper discusses that the emerging banking industries in Eastern Europe must learn to operate in an objective environment free from burdensome and often disastrous government control; just as, the ever-present tension in the United States between government policy and banking policy ensured the banking industry's objectivity. This paper argues that the primary cause of the banking crisis in Eastern Europe was the banks' decision to allow financiers with little experience and even less capital to set up their own banks.
Table of Contents
Introduction
European Economies and the Evolution of the U.S. Banking Industry
Macroeconomic Volatility
Connected Lending
Government Involvement
Financial Liberalization
Conclusion
From the Paper
"The insistence by the American chief executive in the mid 18th to mid 19th century to keep separate government policy from banking policy has not been demonstrated in the communist economies of Eastern Europe. The second major crisis factor for these economies has been connected (or insider) lending, particularly in Russia. Though not unheard of in rich countries, connected lending is a more serious problem in emerging countries, where supervisors are less rigorous about rooting it out. The Economist maintains that connected lending has recently caused serious problems where unscrupulous businessmen have found it easy to set up banks simply to finance their other companies' pet projects. Thus, at many Russian banks, the personal ambitions of owners and managers still come before the prudent assessment of lending risks. Loans to related companies are rarely made on an arm's length basis and tend to be granted at below-market rates, with scant credit vetting."
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Islamic Banking - Religion as an Excuse, 2006.
This paper explains the differences between Islamic banking and conventional banking. It argues politically, as opposed to economically, that both systems are the same.
3,225 words (approx. 12.9 pages), 17 sources, APA, £ 58.95
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Abstract
The writer explains that the emergence of Islamic banking is an example of how religion has become subservient to economic needs, and more specifically, how Islam has become subservient to capitalism. The paper explains that although advocates claim that Islamic banking is distinctive from interest rate banking, such methods are merely window dressing - a way for the banks to legitimize themselves. The writer explains that in Shariah, Islamic law, people are prohibited from charging and receiving interest. The paper draws parallels between conventional banking systems and the new modes of so-called interest-free banking. The paper states that Islamic banks have been mimicking conventional banks, pushing for short-term, low-risk investments that are similar in quantity and risk to those obtained by other conventional banks. The writer explains that the methods used to evade interest prohibition include mislabeling interest under the false pretense of administrative costs and delegating puppet banks to alleviate responsibility from Islamic institutions. The writer challenges the advocates of this system who claim that it is Shariah-compliant. In summation, the writer states that it is evident that in the current Islamic system, Islamic beliefs have taken a second place to the capitalist system. Table of Contents: Introduction Lack of Sources for Islamic Banking Same Method, Different Name Murabaha is Not Profit Sharing Using Puppet Banks The Ulama Power Vacuum Advocates Conclusion Bibliography
From the Paper
"During the 80s, Muslim countries such as Sudan, Iran and Pakistan underwent the growth of Islamic banking due to an oil boom and the need for Muslim communities to establish a unique economic presence in the new international economic order (Pipes, 1982:45; cf. ICO: 1982). By 1995, 144 public and private banking institutions had been established claiming to practice a??Islamic bankinga?? (Shaik, 1997:118). However, this paper will argue that Islamic banking is conventional banking in disguise. Islamists have merely used the former to bypass religious restrictions to meet their capitalistic needs in a manner that is compliant, and sometimes even not compliant, to interpretations of the Shariah. Such assertions can be supported by examining characteristics of the current Islamic banking system. Nazih N. Ayubi has written about religion being subservient to the state. In this particular case, the evolution of Islamic banking has become an example of Islam being subservient to capitalism."
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Islamic Banking, 2002.
This study investigates the feasibility of introducing Islamic banking as an alternative system of banking in the United States, but not as a replacement for the existing system of banking in this country.
7,325 words (approx. 29.3 pages), 32 sources, MLA, £ 102.95
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Abstract
The purpose of this study is to examine and assess the issues involved in any effort to implement Islamic banking as an alternative system of banking in the United States. The study pursues this purpose through the investigation of the following research questions: 1. Is it probable that Islamic banking and interest-based banking can co-exist within the economic structure of the United States? 2. Is the potential market for Islamic banking in the United States sufficiently large to make Islamic banking feasible in American society? 3. What laws, state and federal, require change to permit Islamic banking to operate in the United States?
Chapter 1
Introduction
Statement of the problem
Purpose of the Study
Key Factors for Investigation
Background on the Problem
Approach to the Investigation
Overview of the Study
Chapter 2
Literature Review
The Crucial Role of Interest
The Development of Banking Systems
Sources & Uses of Funds in Islamic Banking
Chapter 3
Method
References
From the Paper
"Islamic economics has two principal components. The first component is a constant set of principles derived from the Qu'aran, which are the economic principles governing all Islamic activity, and which are unchanging. The second component is a flexible set of principles also derived from the Qu'aran, but which may be adapted to environment, time, or place, while remaining within the boundaries of the unchanging principles (El Araby, 1997). In Islam, any enterprise ? economic or otherwise ? may be an act of devotion, if entered into with the correct intentions. The welfare of the whole of the human race according to the will of God is the ultimate goal of all Islamic economic activity. The social responsibilities of business organizations are part of the moral obligations of the individuals operating such organizations in an Islamic society (El Araby, 1997). All economic systems are concerned with the relationship between the public and private sectors. In capitalist systems, the emphasis is on the private sector, although the degree of such emphasis varies between countries. One result of this capitalist emphasis is the cyclical recurrence of significant problems ? inflation, unemployment, and recession, while a second result is an increasing concentration of productive capacity ownership into a relatively few private hands. Islamic economics assumes that no conflict exists or will develop between the public and private sectors, and that each sector works for the greater good of society. The applications of the principles of any system ? capitalist or Islamic ? are usually less than perfect. Therefore, conflicts do occur within Islamic economic systems; however, in Islam, the settlement of such conflicts is according to the criterion of the greater societal good, as opposed to settlement on an ideological basis of property ownership, political imperative or agenda, or similar factors that is often true in capitalist economies."
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On-Line Banking, 2005.
This paper explores how the banking industry has been affected by the emergence of e-Business by reviewing the websites of Washington Mutual, Chase and Wells Fargo banks.
5,680 words (approx. 22.7 pages), 8 sources, APA, £ 86.95
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Abstract
This paper examines three on-line banking websites--Washington Mutual, Chase and Wells Fargo--by using several criteria such as overloading, consistency of image, grammar and spelling, speed of loading, functioning links, ease of use and overall impression: The Wells Fargo website was judged to be the best. The author stresses that banks must consider the requirements for protection of rights and interests of depositors, establishment of stability and confidence in financial markets and requirements for economic development in both their brick-and mortar and online operations. The paper relates that e-Business has changed the way in which banks must operate in the areas of customer relations (CRM), the banking supply chain, customer-based marketing that provides many customers services and immediately becoming an international entity through their presence on the internet.
Table of Contents
Introduction
Evaluation of Web sites
Washington Mutual
Chase
Wells Fargo
How Web Sites Differ
Washington Mutual
Chase
Wells Fargo
Bank Supply Chain in a Brick-and-Mortar Setting
Web Site Supply Chain Modifications
Marketing Tools
Washington Mutual
Chase
Wells Fargo
Customer Service
Washington Mutual
Chase
Wells Fargo
Legal, Ethical and Regulatory Issues
Security, Confidentiality and International Issues
Washington Mutual
Chase
Wells Fargo
Conclusion
From the Paper
"To compete successfully in the highly competitive marketplace, banking Web sites must strive every day to deliver consistent levels of performance and experience as perceived by users. Site performance must be formatted to accommodate speed reliability factors, and display what type of company they portray themselves to be. There are ten areas that Web sites are measured against: Response time (over high speed, DSL, and dial up connections), response consistency, geographic uniformity, load handling, page design, network connectivity, site reliability, and outage hours."
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The Pakistani Banking Industry, 2006.
This in-depth paper a provides a benchmark pertaining to the careers of bank managers in Pakistan, while also delving into the banking industry in the Islamic run country.
21,538 words (approx. 86.2 pages), 33 sources, MLA, £ 157.95
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Abstract
This well-researched paper examines Pakistan's evolving and constantly developing banking industry from the 1940s and up the present. The writer of this paper supplies in-depth insight into the pressures as well as the numerous financial and cultural demands and expectations currently facing bank managers in both the private and public banking sectors. This paper analyzes Pakistan's political history and its resulting impact on the country's banking industry. The writer of this paper delves into Pakistan's socio-political culture which greatly affects the vision, goals and leadership style of the country's bank managers. This paper also contains various financial tables, lists and illustrated graphs pertaining to this particular topic.
Table of Contents:
Abstract
Introduction
Political and Financial History Intertwined
Effect on Pakistani Bank Managers
Cautionary Tales
The Opposite Side of the Coin
Pakistani Banking Structure
Pakistani Banking: Recent Past
Upsetting Events in Pakistan's Banking History vis-a'-vis Managers
The Best Bank
Other Banks
Challenges for Managers in the Banking Industry
Current Initiatives
Literature Review
Summary
Statement of Research Question
Methodology
Findings
Manager One: NBP Managers
Manager Two: New Hire from Lahore Business School
Manager Three: Year 2000 Graduate of a Business College in Germany
Manager Four: Islamic Bank Manager
Manager Five: Graduate of Irish Business College
Manager Six: Recently Promoted Manager at a Local Branch in the Capital
Manager Seven: Human Resources Manager at the Islamic Bank
Manager Eight: Temporary Branch Manager in Small Town
Manager Nine: Former Bank Employee, Government Bank
Manager Ten: Graduate of Lahore Business College (2)
Bank Manager Career Themes
Discussion
Conclusion
Appendix A: Islamic Modes of Financing
Appendix B: Recent Listing of Banks Operating in Pakistan
Appendix C: Questions for Bank Manager Interviews and Process
Appendix D: Recommendations by Mehmood-Ul-Hassan Khan
References
From the Paper
"The best way to determine what the future might hold is to understand the past and the present, and add to that the changes seen by experts on the horizon. Therefore, constructing the history of Pakistani banking forms a major part of the current research; outlining contemporaneous changes and decisions regarding Pakistani banking made by its most senior officials is also important to understanding the influences on bank manager career tracks and attitudes. In addition, an extensive literature review of those factors that generally contribute t manager career orientation in any business will help understand the Pakistani bank managers' positions. Interviews with at least a few current Pakistani bank managers will display the attitudes they currently hold, and provide insight into what they expect in the future and what would make them more or less career-oriented."
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Internet Banking: A Technology in Search of Acceptance, 1998.
Examines the potential dangers of Internet-based banking. Reviews the history of Internet banking, the banking industry's commitment to the concept, the technological implications, & analysis of the possibility of public acceptance.
4,050 words (approx. 16.2 pages), 20 sources, £ 85.95
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From the Paper
" INTERNET BANKING: A TECHNOLOGY IN SEARCH OF ACCEPTANCE
Introduction and Thesis Argument
On January 21, 1997, the Royal Bank Scotland announced that it had completed the technological fine-tuning and was now Britain's first fully-fledged Internet Bank (1). The announcement generated the suspected editorial comments that suggested that retail banking is dead, and that a brave new world of cyber transactions are the wave of the future. Is Internet Banking the trend to watch out for?
That's the leading question behind the banking industry's
top-to-bottom redesign of the entire retail operations of some of the world's largest banks, a concept some analysts are calling "Future Banks." This concept is a mix of all the elements.."
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