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E-Banking. Damian Sztuk, Jakub Mazur, Boris Moroseac. Business model of conducting banking activity on 5 pillars : 1. remote B2C communication ( branchless ) 2. full integration in banking structure 3. paperless services 4. cashless payments 5. customer-based interactions.

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e banking

E-Banking

Damian Sztuk, Jakub Mazur, Boris Moroseac

e banking concept and fundamentals

Business model of conducting banking

activity on 5 pillars:

1. remote B2C communication (branchless)

2. full integration in banking structure

3. paperless services

4. cashlesspayments

5. customer-basedinteractions

E-banking – concept and fundamentals

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J.Schrumpeter- innovationdimensions

  • New functionality- existing systems but newsolutions
  • New distributionchannels- pure technology progress
  • New market- creating and meetingneeds
  • New business activity- integratingareas of activity
  • New market structure- changing role of leadingcompanies

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New functionality

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New distribution chanels

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New market

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Core-capabilities of e-banking

  • Integratingphysical and virtualchannels
  • New IT-infrastructure
  • Enchasingtransactioncontent
  • Conveyingvaluepropositions
  • Deliveringdifferentiated services
  • Managingcustomerrelationships
  • Positioninginattractivesite

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Triggers for

e-banking

adoptionin EU

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Distributionchannels

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Growth dynamic

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Infrastructuretriggers

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Professional activity

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Web 2.0

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Behavioralfactors

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Passiveinteraction

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Prosumer – on-line consumer

professional consumer

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Prosumer

  • Researching a productvalue, performance and pricethrough:
    • Social networks (twitter, facebook)
    • Consumer productreviews (Amazon.com)
    • Pricescomparison shopping engines
  • Prosumerresearchesallaspects of a products performance, price and socialacceptanceinrelativecomparison to similar products withinthe same category.
  • Prosumerissearching for thehighestqualityproductthatbestmeetstheirpersonalneeds for themaximumamount of moneytheyarewilling to spend.

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Gen Y consumer tendencies

  • Independently dependent- favorsocialnetworkingforums to conductresearch on bank offers
  • Practicallymotivated- preferpriceoverbrand and aretheleastlikely to stickwith a single brandeveniftheylikeit
  • Tech-Savvy- „DotNet” generation
  • SociallyMindful- atractiveusesocialnetworkingsites to increaseawareness of corporatepractices
  • Financial Freshmen- voicethehighestlevel of discomfort, relative to otheragegroups, aboutcomplex bank products and services

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Internet banking

I Stage: source of information

II Stage: distribution channel

III Stage: I-banking WEB 1.0

IV stage: I-banking WEB 2.0

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Theend

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