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Internet Banking In The Us
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Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Domestic and International Monetary Policy Publisher : ISBN 13 : Total Pages :170 pages Book Rating :4.F/5 ( download)
Book Synopsis Federal Oversight of Internet Banking by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Domestic and International Monetary Policy
Download or read book Federal Oversight of Internet Banking written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Domestic and International Monetary Policy and published by . This book was released on 2000 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Internet Banking written by Karen Furst and published by . This book was released on 2000 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Internet Banking in the U.S by : Karen Furst
Download or read book Internet Banking in the U.S written by Karen Furst and published by . This book was released on 2014 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: Internet banking is receiving great attention in the banking industry and the regulatory community. As with other areas of e-commerce, discussions about Internet banking often proceed without reference to the actual state of market developments. This paper describes the current state of Internet banking in the U.S. and discusses its implications for the banking industry.Even though only a small number of banks were offering Internet banking at the end of 2000, analysis of data collected from Office of the Comptroller of the Currency bank examiners shows that this will change significantly in 2001, with over 50% of banks offering Internet banking services. As a group, large banks are found to be more likely to offer Internet banking, although a growing number of small banks offer it, or plan to. Nevertheless, large banks appear to have an advantage over small banks in the range of services they offer over the Internet. We argue that the modest use of Internet banking by consumer customers of banks is due in large part to a lack of a compelling value-added proposition. A more compelling case can be made for Internet banking adding value for banks' business customers, and this may explain why some banks are now targeting their Internet strategies toward business customers. Nevertheless, because an overwhelming number of consumers currently have accounts at banks that offer Internet banking, consumer usage patterns could change suddenly. In addition to affecting the way customers receive banking services, Internet banking may become an important influence on banking industry structure. However, the effect of Internet banking on consolidation in the banking industry is uncertain. The economics of Internet banking may favor large institutions, either because of economies of scale and scope, or because of the need to advertise heavily to be successful. Alternatively, Internet banking could offer entry and expansion opportunities that small banks traditionally lacked.
Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Book Synopsis Electronic Banking by : Carl Ramirez
Download or read book Electronic Banking written by Carl Ramirez and published by DIANE Publishing. This book was released on 1999-05 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Electronic Banking by : United States. General Accounting Office
Download or read book Electronic Banking written by United States. General Accounting Office and published by . This book was released on 1998 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Handbook of Consumer Finance Research by : Jing Jian Xiao
Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Book Synopsis Savings for the Poor by : Michael A. Stegman
Download or read book Savings for the Poor written by Michael A. Stegman and published by Brookings Institution Press. This book was released on 2010-12-01 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beginning this year, federal payment recipients will receive their government benefits through electronic funds transfer (EFT)-- what most of us call direct deposit. Although cost-cutting is the driving force behind the move to a virtually all-electronic federal payment system, Michael Stegman believes the initiative has a far broader potential: to bring poor Americans into the banking mainstream. In this book Stegman outlines how many families will enter the mainstream banking system through EFT '99, as the program is called. He explains in careful detail the thinking behind the shift to EFT and the implementation of the program this year. He also argues that, for maximum success, EFT '99 should be combined with a program of national Individual Development Accounts (IDAs), dedicated savings accounts for low-income people that can be used for purchasing a first home, acquiring more education or job training, or starting a small-business. Essentially, EFT '99 will bring people into the banking system, and IDAs will give them an incentive to use the system to its fullest in order to make their money work for them and their children. There are other steps that the government can take to boost EFT's ability to help public aid recipients achieve self-sufficiency. It can: add a direct deposit option to state benefits payments programs; give banks significant additional Community Reinvestment Act Credit for establishing accounts for EFT recipients; and regulate fees for cashing government benefits and voluntary accounts so that people are not charged excessively for accessing their money. This book demonstrates that — with careful planning and a relatively small investment — the government's EFT initiative can have a major payoff in real assets and improved prospects for those who have been, for far too long, on the fringes of the country's mainstream banking system. Brookings Metro Series
Book Synopsis Banking and Finance on the Internet by : Mary J. Cronin
Download or read book Banking and Finance on the Internet written by Mary J. Cronin and published by John Wiley & Sons. This book was released on 1998 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mary J. Cronin, a leading expert on using the Internet for business, provides an overview of the impact of the Internet on banking, and offers her vision of the future of electronic banking.
Book Synopsis Electronic Banking by : United States. General Accounting Office
Download or read book Electronic Banking written by United States. General Accounting Office and published by . This book was released on 1999 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises Publisher : ISBN 13 : Total Pages :296 pages Book Rating :4.X/5 (5 download)
Book Synopsis Technology and Banking by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises
Download or read book Technology and Banking written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises and published by . This book was released on 1999 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Banking Online For Dummies by : Paul A. Murphy
Download or read book Banking Online For Dummies written by Paul A. Murphy and published by For Dummies. This book was released on 1999-03-04 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Online Banking Directory Included! Do Your Banking From Your Home or Office — No More Lines or Drive-Thrus! Why waste any more time waiting in line? Find out quickly and easily how you can save time — and money — by banking online. Even if you've never been on the Web before, Banking Online For Dummies® brings you all the information and software you need to get started right away — and take real control of your money! Check Out Your Bank's Web Site Today! CD-ROM Includes: MindSpring Internet Access Internet Explorer 4.0 Netscape Communicator QuickBooks & QuickBooks Pro — A trial version of popular financial software Plus direct links to resources listed in the book! Shareware programs are fully functional, free trial versions of copyrighted programs. If you like particular programs, register with their authors for a nominal fee and receive licenses, enhanced versions, and technical support. Freeware programs are free, copyrighted games, applications, and utilities. You can copy them to as many PCs as you like — free — but they have no technical support. System Requirements: 486 or faster PC with Windows 3.1 or later, or Windows NT 4.0 or later, or 68040 or faster Macintosh with System 7.5.5 or later; 8MB RAM (16 RAM recommended); double-speed (2X) or faster CD-ROM drive; Internet connection (14,400 bps or faster modem or network-regular access charges apply.) Inside, find helpful advice on how to: Locate your bank on the Web Transfer funds, review your accounts, pay bills, and more Manage your money with many of the popular financial software packages — Managing Your Money, QuickBooks, QuickBooks Pro, Microsoft Money, and AOL BankNOW Protect your money with handy Web security tools Take care of transactions that relate specifically to your business Get the latest e-commerce and online banking news on the Web
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :244 pages Book Rating :4.:/5 (319 download)
Book Synopsis Developing the Framework for Safe and Efficient Mobile Payments by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Developing the Framework for Safe and Efficient Mobile Payments written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2013 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis ELECTRONIC BANKING: ENHANCING FEDERAL OVERSIGHT OF INTERNET BANKING ACTIVITIES... 162537... U.S. GAO... AUGUST 3, 1999 by :
Download or read book ELECTRONIC BANKING: ENHANCING FEDERAL OVERSIGHT OF INTERNET BANKING ACTIVITIES... 162537... U.S. GAO... AUGUST 3, 1999 written by and published by . This book was released on 2000 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis eCommerce for Financial Institutions in Germany and the USA by : Klaus Schmidt
Download or read book eCommerce for Financial Institutions in Germany and the USA written by Klaus Schmidt and published by GRIN Verlag. This book was released on 2001-08-21 with total page 97 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2001 in the subject Business economics - Offline Marketing and Online Marketing, grade: 1,3 (A), Reutlingen University (Southeatern Louisiana University), language: English, abstract: 1. Executive Summary Online banks dig for continued quantitative growth in account number, transaction, and value of transaction since these factors are essential for valuation of the company at the stock exchange. The market for online financial services, or “eFinance”, is growing in Europe and the US. The German market is the biggest but not the fastest growing market within Europe. Financial institutions have to consider trends in the market in order to survive and prosper in this very dynamic and competitive environment. Simple products like current account, saving accounts and brokerage, incl. mutual funds, as well as personal loans will be sold more on the Internet. However, customers are using the Internet as an information tool but close the contact often at physical branches. In order to avoid this miss match, online financial institutions will be forced to obtain core competence in: • Customer relationship management The ability to capture, manipulate, and utilise customer data will be one of the principal keys in the competition for market share. • Multi-channel banking Customers increasingly demand being served any time, any place, anywhere. Meanwhile, employees and suppliers alike are more likely to be connected to the financial institution’s architecture. This addi-tional complexity will require innovative solutions by financial institu-tions, and most likely, a real-time online platform. • Customer satisfaction Technology problems such as poor system performances or poor execution of orders are a source of much frustration for customers. A dissatisfied customer with a greater number of options in the Internet is less likely to remain loyal for long. • Competitive differentiation Technology supports new product and feature development, as well as customisation, which allows online financial institutions to differentiate their offer from their competitors. Branding requires a sophisticated differentiation strategy. The online financial institution faces a number of challenges: a heavy transaction load, fast moving shifts in channel usage and a requirement to sew all the channels together. There are many requirements for the success of this business environment: security, data management, degree of customisation, and range of products and features. [...]
Book Synopsis Internet Banking, Developments and Prospects by : Karen Furst
Download or read book Internet Banking, Developments and Prospects written by Karen Furst and published by . This book was released on 2000 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper addresses significant gaps in existing knowledge about the Internet banking landscape. Using information drawn from a survey of national bank examiners, we find that while only 20 percent of national banks offered Internet banking in Q3 1999, these transactional Internet banks accounted for almost 90 percent of national banking system assets and 84 percent of the total number of small deposit accounts. All of the largest national banks offered Internet banking, but only about 7 percent of the smallest banks offered it. Among institutions offering Internet banking, large banks are more likely than small banks to offer a broad range of services on the Internet. Matching call report data to the examiner survey information, we also find that banks in all size categories offering Internet banking tend to rely less on interest-yielding activities and deposits than do non-Internet banks, and institutions with Internet banking outperformed non-Internet banks in terms of profitability. Excepted from the superior performance of Internet banks versus non-Internet banks are de novo Internet banks, which were less profitable and less efficient than non-Internet de novos. Projections based on banks' plans as of Q3 1999 indicate that 45 percent of all national banks will be offering Internet banking by the beginning of 2001. While most of the growth in new Internet banking will be due to small banks coming online, almost half of all national banks had no plans to offer Internet banking. Large banks have more aggressive plans to offer business Internet banking services in the future than small institutions"--Office of the Comptroller of the Currency web site.
Book Synopsis Electronic Banking by : SCN Education B.V.
Download or read book Electronic Banking written by SCN Education B.V. and published by Springer Science & Business Media. This book was released on 2013-11-11 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt: The world of banking and financial services is in the midst of dramatic change, moving away from traditional "brick and mortar" branches and focusing on new delivery channels, to improve customer service and give 24-hours-a-day access to information and transactions. What are the threats and the opportunities of electronic banking? What new pricing strategies should banks develop? How to secure electronic financial transactions? What effects will online banking have on the financial world? How to market the new electronic services? Read the expert opinions from bankers, trendwatchers and financial consultants. Explore the new banking solutions through white papers and reports. This HOTT Guide reveals all the ins and outs of this new online phenomenon.
