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Internet Status and Trends Network Bank


Network banks and their customers to pull closer together will be more differentiated products and services, business and more targeted to everyone, people's sense of identity, loyalty and influence on the development of a bigger bank, with a corporate culture means that the brand strategy will be the key to the success of Bank of network services. Internet banking refers to the network with the following types of financial services to a variety of names, such as home banking, remote electronic banking, online banking, self-service banking, and other shows that customers can enjoy at home or at work the name of banking services. Users or through a private line or through the public Internet and linked to their bank account.
bank is still in embryonic form in the family, people in their personal computer into a package, the software can be used to manipulate and display data from the Bank's original account. Software can be obtained free of charge from the bank, or from a retail store, the types of Quicken, Microsoft Money or a United States company's Managing YourMoney card and other personal financial management (PFM) software. This type of online banking services, still occupy a dominant position, known as PC banking.
Internet or Internet Banking to complete the birth of a very small change is fundamental, however. Although both of which are operating on a desktop computer. Software is not running a network of banks installed on the user's PC, it is the bank's network server. Its benefits are enormous: the bank or the manufacturer of PFM will not need to upgrade every time a program to house to house to get a new set of packages. Customers can be anywhere in the world close to their accounts, just find an Internet interface to connect, rather than as they are, only with the software in the PC the place where to receive services.
Of course, in addition to the convenience of customers and cost savings, the rapid development of Internet banking Internet more important reason is that people's concerns for the safety of reducing, at the same time, 90% of the market infrastructure is also was created. Microsoft and Netscape developed the hidden web browser 128 allows the security of information transmission on the Internet is greatly improved. Internet insiders have repeatedly reaffirmed the safety performance has been adequate and transfer of financial data than existing methods even better, all market participants are now banking on the security of Internet networks to make firm commitments, so a few months ago that the Internet not suitable for the views of financial transactions wiped out. Improve the market infrastructure, the network also makes Internet banking innovations made possible a huge market opportunity in the various financial institutions, particularly the very creativity and flexibility of small agencies out before the show. In this context, a variety of large financial institutions, the rapid expansion of Internet Banking off.
First, the development trend of Internet online banking online banking is the door
young art, even if the information is used to calculate the acceleration of the times as well. The world's first Internet bank that the Security First Network Bank (Security First Network Bank) in the fall of 1995 was open for business.
Security First Network Bank as a pioneer in Internet banking is the fall of 1995 in Atlanta appearances. SFNB is Cardinal Banc CEO James AG. Mary Han and Secure Ware software company CEO Michael. Maichesini two of the original. Their venture shares by a company called AreaBanc local banks and two regional banks, Wachovia Corporation and Huntington Banc AG support. However, SFNB opened at the beginning of the unrest did not last too long, two years after the loss of the sale were sent to the guillotine. This may explain the development of new banks by the old Internet Banking is more reasonable.
However, the profession is perhaps the most radical business had been run on the same network of 95 banks WellsFargo group. The assets from the San Francisco bank amounted to 100 billion U.S. dollars through a system developed to provide Internet banking services indoors. From the opening to June 1998, it witnessed its expansion of online users from 2 million to 45 million, and that number is expected to reach 1.5 million in 2002.
members who provide financial services specifically for the credit association (Credit Unions) not far behind. EDS Credit Association of Texas Greg. Hopland even believe that the more traditional credit associations are good at applying new technology, because they focus on member services, unlike banks, In fact, Saint. Antonio, the regional security service federal credit association (with 30 million members, 14 million in assets) from 97 February onwards to provide Internet-based home banking services. Members through the Internet Explorer or Netscape with the Association's website link.
even those assets is less than 25 billion dollars in community bank network and the PC found that banking is a good diversification tool, and have taken various measures to offer some form of Internet banking business to retain their customers. But only in 98 year, the two banks from the New York Giants - Chase Manhattan Bank and Citigroup announced its entry into the network, the entire industry was really a big step forward. Now, security and progress of the retail distribution technology has enabled them to see the sales potential of online banking, and they are still timely manner, the only accommodation services website into an account and transaction functions with the site. Transaction not only allows customers to regularly visit the Web site, but also gives customers access to the process of regular contact for the bank's brand and its products and services for the advertising.
According to a tracking the progress of Internet online banking site - the network information provided by bankers, as of 98 February, the nation has 60 accounts and certain transactions to provide services to banks. Including both Gartner Group research firm Dataquest in California more daring prediction that the end 97, the National Bank has 625 online and (or) Internet banking services. Will reach 98 800 by the end of 2001 up to 1200. 97 while the number of users will also benefit from further to 3.25 million at the end of the 10.75 million in 2001.
1997 年 11 months, the North Carolina research firm, a banking technology company issued Men tis remote banking business on the investigation report. Pointed out that the end of 1998, nearly half of the Bank will provide support for the family PC or network banking. That the largest banks (deposits more than 4 billion U.S. dollars) in this ratio higher, at 4 / 5; and medium banks (deposits of 10-40 billion U.S. dollars) 3 / 5; small banks (deposits of 2.5-10 million) for the 2 / 5. Equally important, almost all (90%) of the Bank intends to provide Internet distribution channels, with the current 22% contrast. In the banking industry into a new era of financial services, the report is undoubtedly an exciting sketches. China Journal Net [link widoczny dla zalogowanych]
Second, related to the rapid development of Internet banking because the financial services industry network
fundamental cause is that computer technology and network rapid development of technology. Network has infiltrated the lives of people,[link widoczny dla zalogowanych], thousands of people in a love to do a web surfer, the browser works for the fascinating information age, people's consumption concept has quietly changed.
As an Internet service provider in Denver (ISP) Cavion technology 12