e banking essay

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Meaning of E-Banking:

Banks give administrations or bank services to draw in clients, from giving advances, issuing of debit cards and credit cards, computerised monetary services, and surprisingly personal services or administrations. Even so, some fundamental present-day administrations are presented by many commercial banks.

Electronic banking has many names like web-based banking, e-banking, virtual banking, or web banking, and online banking. It is just the utilisation of telecommunications networks and electronic networks for conveying different financial services and products. Through e-banking, a client can acquire his record and manage numerous exchanges utilising his cell phone or personal computer.

Classification of E-Banking:

Banks offer different kinds of services through electronic financial stages. These are of three sorts:

This is the essential degree of administrations or services that banks offer through their sites. Through this assistance, the bank offers data, information regarding its services and products to clients. Further, a few banks might respond to an inquiry through email as well.

In this category, banks permit their clients to submit directions or applications for various administrations, check their record balance, and so on. Be that as it may, banks don’t allow their clients to do any fund-based exchanges with respect to their records or accounts.

In the third category, banks permit their clients to work or operate their records or accounts for bill payments, purchase and redeem securities and fund transfers, and so on.

Most conventional banks offer e-banking administrations as an extra technique for offering support. Further, many new banks convey banking administrations principally through the other electronic conveyance channels or web. Likewise, a few banks are ‘internet only’ banks with no actual branch anyplace in the country.

In this way, banking sites are of two sorts:

Transactional Websites: These sites permit clients to go through with exchanges on the bank’s site. Further, these exchanges can go from a plain retail account balance request to huge business-to-business liquid assets transfers. The accompanying table records some normal wholesale and retail e-banking administrations presented by financial institutions and by banks.

Informational Websites: These sites offer general data regarding the bank and its services and products to the clients.

Wholesale services by banks: Include Account management, Cash management, Small business loan applications, Approvals or advances, Commercial wire transfer, Business-to-business payments, Employee benefit, and Pension administration.

Retail services by banks: Include Account management, Bill payment, New account opening, Consumer wire transfers, Investment and brokerage services, Loan application and approval, and Account Aggregation.

Services Under E-Banking:

Mobile banking:.

Mobile banking (otherwise called M-banking) is a name utilised for performing account exchanges or transactions, bill payments, credit applications, balance checks, and other financial exchanges through a mobile phone like a Personal Digital Assistant (PDA) or cell phone.

Electronic Clearing System (ECS):

The Electronic Clearing System is a creative provision for occupied individuals. With this provision, an individual’s credit card bill is consequently charged from the same individual’s savings bank account, so one doesn’t have to stress over missed or late payments.

Smart Cards:

A smart card is a card that stores data on a microchip or memory chip or a microprocessor in lieu of the magnetic stripe found on debit cards and credit cards. Smart cards are not utilised for transferring or moving monetary data alone, but also they can be utilised for an assortment of identification grounds. Exchanges made with smart cards are scrambled or encrypted to shield the exchange of data from one party to another. Each encoded exchange can’t be hacked and doesn’t transmit any extra data past what’s required for finishing the single exchange or transaction.

Electronic Fund Transfers (ETFs):

Electronic fund transfer (EFT) is the electronic exchange of cash starting with an individual account in the bank to another individual account of the same bank, or within or with other financial institutions or with multiple institutions, by means of personal computers based frameworks, without the immediate intercession of bank staff.

Telephone Banking:

Telephone banking is an assistance given by a bank or other monetary foundation or other financial institutions, that empower clients to perform via telephone a scope of monetary exchanges which don’t include cash or financial instruments, without the need to visit an ATM or a bank branch.

Internet banking:

Web-based banking is an assistance presented by banks that permits account holders to get their record information by means of the web or the internet. Web-based banking or Internet banking is otherwise called “Web banking” or “Online banking.”

Internet banking through customary banks empowers clients to play out every standard exchange, for example, bill payments, balance requests, stop-payment requests, and balance inquiries. Some banks even proposition online credit card and loan applications.

Account data can be acquired day or night, and should be possible from any place.

Home banking:

Home banking is the most common way of concluding the monetary exchange from one’s own home as opposed to using a bank’s branch. It incorporates making account requests, moving cash, covering bills, applying for credits, and directing deposits.

Significance of E-Banking:

Importance to clients:.

Lower cost per exchange: Since the client doesn’t need to visit the branch for each exchange, it saves him both time and cash.
No topographical hindrances: In conventional financial frameworks, geological distances could hamper specific financial exchanges. Nonetheless, with e-banking, geological obstructions are diminished.
Convenience: A client can get to his record or bank account and execute from any place at any time.

Importance to Businesses:

Better efficiency: Electronic banking further develops usefulness. It permits the computerisation of ordinary, regularly scheduled payments and provides further banking activities to upgrade the efficiency of the business.

Lower costs: Usually, costs in financial relationships and connections depend on the assets used. Assuming that a specific business needs more help with deposits, wire transfers, and so on, then, at that point, the bank charges its higher expenses. With internet banking, these costs are limited.

Lesser errors: Electronic financial diminishes mistakes in normal financial exchanges. Awful penmanship, mixed-up data or information, and so on can cause mistakes that can be exorbitant. Likewise, a simple audit of the record or account activity, movement upgrades the precision of monetary exchanges.

Diminished misrepresentation: Electronic banking gives an advanced impression to all representatives who reserve the privilege to alter banking exercises. In this manner, the business has better perceivability into its exchanges, making it hard for any fraudsters from committing crimes.

Account reviews: Business proprietors and assigned staff individuals can get to the records rapidly utilising a web-based financial interface. This permits them to audit the record action and, furthermore, guarantee the smooth working of the account.

Importance to banks:

Lesser exchange costs: Electronic exchanges are the least expensive methods of exchange.
A decreased edge for human blunder: Since the data is handed-off electronically, there is no space for human mistakes or errors.
Lesser desk work: Advanced records decrease desk work, paperwork, and make the cycle simpler to deal with. Likewise, it is ecological.
Decreased fixed expenses: A lesser requirement for branches which converts into a lower fixed expense.
More steadfast clients: Since e-banking administrations or services are convenient to the clients, banks experience higher reliability from their clients.

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E-banking Overview: Concepts, Challenges and Solutions

Published: 28 November 2020
Volume 117 , pages 1059–1078, ( 2021 )

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Belbergui Chaimaa 1 ,
Elkamoun Najib 1 &
Hilal Rachid 1

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The expansion of information technology has led to a new form of banking. Traditional banking, based on the physical presence of the customer, is only a part of banking activities. In the last few years, electronic banking has emerged, adopting a new distribution channels like Internet and mobile services. The main goal was to allow businesses to improve the quality of service delivery and reduce transaction cost, and anytime and anywhere service demand for customers. However, it increased the vulnerability to fraudulent activities like spamming, phishing and credit card frauds. Then, the main challenge that opposes electronic banking is ensuring banking security. In this context, this paper aims to provide an overview of the electronic banking service highlighting various aspects, investigating various challenges and risks, and discussing some proposed solutions.

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Chaimaa, B., Najib, E. & Rachid, H. E-banking Overview: Concepts, Challenges and Solutions. Wireless Pers Commun 117 , 1059–1078 (2021). https://doi.org/10.1007/s11277-020-07911-0

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Accepted : 29 October 2020

Published : 28 November 2020

Issue Date : March 2021

DOI : https://doi.org/10.1007/s11277-020-07911-0

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107 Banking Essay Topic Ideas & Examples

Inside This Article

Banking is a fundamental aspect of the modern economy, serving as the backbone of financial systems worldwide. As a result, there is a vast array of topics to explore within the field of banking. Whether you are a student looking for inspiration or a banking professional seeking to expand your knowledge, this article presents 107 essay topic ideas and examples to help you get started.

The impact of digital banking on traditional banking services.
The role of central banks in regulating the economy.
The benefits and drawbacks of using mobile banking applications.
The future of cryptocurrencies and their impact on traditional banking systems.
The role of commercial banks in fostering economic growth.
The impact of interest rates on consumer borrowing behavior.
The ethical implications of banks investing in controversial industries.
The challenges faced by small and medium-sized banks in an era of consolidation.
The impact of globalization on the banking industry.
The role of banks in promoting financial inclusion.
The impact of technology on fraud prevention in banking.
The effectiveness of stress tests in assessing bank resilience.
The role of banks in financing infrastructure projects.
The impact of banking regulations on lending practices.
The benefits and challenges of open banking.
The role of banks in supporting entrepreneurship and innovation.
The impact of fintech startups on traditional banking institutions.
The role of banks in addressing income inequality.
The impact of banking crises on economic stability.
The future of branch banking in a digital world.
The role of banks in facilitating international trade.
The impact of artificial intelligence on banking operations.
The challenges and opportunities of sustainable banking practices.
The role of banks in promoting financial literacy.
The impact of bank mergers and acquisitions on customers.
The challenges of implementing anti-money laundering regulations in the banking sector.
The role of banks in supporting the United Nations Sustainable Development Goals.
The impact of financial technology on banking job opportunities.
The challenges of managing cybersecurity risks in the banking industry.
The role of banks in financing renewable energy projects.
The impact of demographic changes on banking services.
The challenges of implementing digital identity verification in banking.
The role of banks in facilitating financial intermediation.
The impact of economic sanctions on banking operations.
The challenges of implementing Basel III regulations in emerging markets.
The role of banks in supporting the growth of small and medium-sized enterprises.
The impact of consumer behavior on retail banking strategies.
The challenges of implementing real-time payments in the banking sector.
The role of banks in promoting financial stability.
The impact of banking regulations on the cost of credit.
The challenges of implementing sustainable finance practices in the banking industry.
The role of banks in supporting affordable housing initiatives.
The impact of banking innovations on financial inclusion in developing countries.
The challenges of implementing instant payments in cross-border transactions.
The role of banks in addressing climate change risks.
The impact of online banking on branch closures.
The challenges of implementing data protection regulations in the banking sector.
The role of banks in financing education and healthcare.
The impact of banking regulations on the profitability of small banks.
The challenges of implementing real-time fraud detection in banking.
The role of banks in promoting gender equality in access to finance.
The impact of customer trust on banking relationships.
The challenges of implementing blockchain technology in the banking industry.
The role of banks in supporting disaster recovery efforts.
The impact of banking regulations on cross-border capital flows.
The challenges of implementing biometric authentication in banking services.
The role of banks in supporting financial resilience.
The impact of banking innovations on customer loyalty.
The challenges of implementing sustainable supply chain finance in the banking sector.
The role of banks in promoting responsible lending practices.
The impact of banking regulations on financial innovation.
The challenges of implementing real-time liquidity management in banking.
The role of banks in supporting cultural and creative industries.
The impact of banking crises on bank lending behavior.
The challenges of implementing instant payments in the gig economy.
The role of banks in promoting social impact investing.
The impact of banking regulations on bank profitability.
The challenges of implementing artificial intelligence in customer service in banking.
The role of banks in supporting financial education in schools.
The impact of banking innovations on financial risk management.
The challenges of implementing sustainable procurement practices in the banking sector.
The role of banks in promoting responsible investment.
The impact of banking regulations on financial stability in emerging markets.
The challenges of implementing real-time customer onboarding in banking.
The role of banks in supporting cultural heritage preservation.
The impact of banking crises on bank lending to small businesses.
The challenges of implementing instant payments in government transactions.
The role of banks in supporting impact entrepreneurship.
The impact of banking regulations on cross-border banking activities.
The challenges of implementing artificial intelligence in credit risk assessment in banking.
The role of banks in promoting financial literacy among vulnerable populations.
The impact of banking innovations on financial crime prevention.
The challenges of implementing sustainable insurance products in the banking sector.
The role of banks in supporting sustainable agriculture and food security.
The impact of banking regulations on financial inclusion in rural areas.
The challenges of implementing real-time transaction monitoring in banking.
The role of banks in promoting responsible corporate governance.
The impact of banking crises on bank lending to households.
The challenges of implementing instant payments in the healthcare sector.
The role of banks in supporting social entrepreneurship.
The impact of banking regulations on cross-border payment systems.
The challenges of implementing artificial intelligence in anti-money laundering in banking.
The role of banks in promoting financial literacy among young people.
The impact of banking innovations on sustainable finance.
The challenges of implementing sustainable supply chain finance in global banking networks.
The role of banks in supporting renewable energy investments.
The impact of banking regulations on financial stability in post-conflict countries.
The challenges of implementing real-time fraud prevention in mobile banking.
The role of banks in promoting responsible investment in emerging markets.
The impact of banking crises on bank lending to the real estate sector.
The challenges of implementing instant payments in the education sector.
The role of banks in supporting social impact bonds.
The impact of banking regulations on cross-border remittances.
The challenges of implementing artificial intelligence in customer relationship management in banking.
The role of banks in promoting financial literacy among senior citizens.
The impact of banking innovations on sustainable development finance.
The challenges of implementing sustainable supply chain finance in the global fashion industry.

These essay topic ideas provide a comprehensive overview of the vast array of issues within the field of banking. Whether you choose to explore the impact of digital banking, the role of banks in promoting sustainability, or the challenges of implementing new technologies, there are countless avenues for research and analysis. By selecting a topic that piques your interest, you can delve deeper into the complexities of the banking industry and contribute to the ongoing development of this crucial sector.

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Prospects and Challenges in E-banking: A Perception Study

75 Pages Posted: 18 Nov 2021

Akshaya Kumar Bhandary

Affiliation not provided to ssrn.

Date Written: November 6, 2021

The study was conducted on "Prospects and Challenges of E-banking: A Perception Study." The study aims to know the customers' perception of E-banking. The expansion of information technology has led to a new form of banking. Based on the customer's physical presence, traditional banking is only a part of banking activities. Electronic banking has emerged in the last few years, adopting new distribution channels like Internet and mobile services. The usage of E-banking by enterprises came in E-banking existence in the mid-'90s. After demonetization in 2016, digital banking has grown at a faster pace. Most Indian banks have launched their E-banking and mobile banking websites to facilitate the customers with the online availability of almost all banking products. E-banking is now a standard mode of secure and convenient banking services. The main challenge that opposes electronic banking is ensuring banking security. In this context, this paper aims to provide an overview of the electronic banking service highlighting various aspects, investigating various challenges and risks, and discussing some proposed solutions.

Keywords: E-banking

JEL Classification: G21

Suggested Citation: Suggested Citation

Akshaya Kumar Bhandary (Contact Author)

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What Is Online Banking?

How online banking works.

Online Banks

Pros and Cons of Online Banking

What do you need for online banking, how can you safely use online banking, frequently asked questions (faqs), the bottom line.

Personal Finance

What Is Online Banking? Definition and How It Works

Investopedia / Daniel Fishel

Online banking allows you to conduct financial transactions through the internet. Online banking offers customers almost every service traditionally available through a local branch including deposits, transfers, and online bill payments.

Virtually every banking institution has some form of online banking you can access through a computer or app. Online banking is also known as internet banking or web banking.

Key Takeaways

Online banking allows you to conduct financial transactions through a computer or smartphone using the internet.
With online banking, you don’t need to visit a branch to complete many transactions.
Many online banks offer lower fees and better rates than their brick-and-mortar competitors.
To take advantage of online banking, you’ll need an electronic device, an internet connection, and perhaps your debit card or account numbers.

Online banking is a popular way of doing business with a bank. With online banking, you aren't required to visit a bank branch to complete most of your basic banking transactions. You can do all of this at your convenience, wherever you want—at home, at work, or on the go. Online banking can be done using a browser or app. Mobile banking is online banking that is done on a phone or tablet.

Here are some of common ways you can use online banking.

Bank Anytime

With online banking, you don’t need to visit a physical bank branch but you can do it wherever you want—at home, work, or on the go. In addition, you can typically do online banking 24/7. However, customer support might not be available at all hours.

Access Accounts With Browsers and Apps

You can do online banking through a financial institution’s web portal using a web browser (such as Chrome or Safari) through a mobile app. This allows you to access services from many locations.

Deposit Checks

You can usually deposit a check through a mobile app using a process known as remote deposit capture . Enter the check amount, then use the app to take a photo of the front and back of the check to complete the deposit.

Manage Finances

Many banks and credit unions offer tools to help you review and balance your budget built into apps or websites. You may also be able to track spending trends, or track savings toward a goal.

Perform Other Financial Services

Online banking transactions vary from one financial institution to another. Most banks generally provide essential services such as electronic transfers and bill payments. Some banks even let you set up new checking or CD accounts or apply for credit cards through web portals. Other online functions include ordering checks, stopping payments on checks, or reporting a change of address.

Online banking may provide fewer services than traditional banking does. For instance, you can’t exchange foreign currency.

You may be unable to complete a credit application online, such as a mortgage application. Instead, some banking business must be carried out at a bank or credit union branch.

Online Banks

Online banks operate exclusively online, meaning they don’t operate branches where you can conduct business in person. The best online banks offer low-cost or free banking, plus above-average interest rates on savings accounts , certificates of deposit (CDs) , and money market accounts .

These banks handle customer service by phone, email, or online chat rather than in person. Prominent online banks in the U.S. include Ally Bank , Discover Bank , and Synchrony Bank .

Online-only banks might not provide direct automatic teller machine (ATM) access but usually enable customers to use ATMs at other banks and retail stores. They might even reimburse some or all of the ATM fees other financial institutions charge. The savings gained by not maintaining physical branches typically allows online banks to deliver significant savings on banking fees.

While you can deposit or take out a certain amount of cash at an ATM or store, most online banks impose a dollar limit.

As of October 2023, just 6% of U.S. adults with bank accounts reported their primary bank was an online-only bank.

Fast and efficient

Easy to monitor accounts

Customer service challenges

Tech and connectivity required

Hacking risk

Pros explained:

Convenience : Basic banking transactions can be done at any time of day or night, seven days a week. If your bank offers a payment network such as Zelle , you can use your online bank account to send money to a person or business. You can also open and close various accounts online, such as checking and savings accounts.
Fast and efficient : Funds can be transferred between accounts almost instantly, especially if the two accounts are held at the same institution. Plus, mobile check deposits can be made in just a few minutes.
Ease of monitoring accounts : You can closely monitor your accounts to spot suspicious activity. Around-the-clock access to banking information provides early fraud detection, serving as a guardrail against financial losses.

Cons of Online Banking

Customer service challenges : Sometimes, you might need to visit a branch to handle certain transactions, such as buying a cashier’s check. In other cases, you might not even have access to a branch. Furthermore, you may prefer depositing checks, withdrawing money or discussing your financial needs face-to-face.
Tech and connectivity required : Some customers may need to be more comfortable with the tech-heavy aspects of online banking. For example, they may need help with some online tasks, such as setting up automatic payments . In addition, online banking depends on a reliable internet connection. Connectivity issues make it difficult to process transactions when you want to.
Hacking risk : Although security continually improves, online accounts remain vulnerable. Customers should use their wireless plans rather than public Wi-Fi networks when logging into an online bank account. This can help prevent unauthorized account access.

To take advantage of online banking you’ll need an internet connection and an electronic device like a computer or mobile phone. After setting up your account, you’ll keep handy a debit or other bank card, and access to your account numbers.

Setting up your online banking account can also be reasonably straightforward. But you’ll need a few things to set up an online checking account or savings account, just like a brick-and-mortar bank account. The bank will spell out exactly what you need on its website, but it typically requires:

Your name, date of birth, address, and other information
Social Security number
Government-issued ID with a photo, such as a driver’s license or passport
A way to fund your account

To shield your money and your personal information from cyber crooks, you should take these safety precautions:

Set a strong, unique password, and change it regularly. The federal Cybersecurity & Infrastructure Security Agency recommends a password with at least 16 characters. The password should contain a random string of uppercase letters, lowercase letters, numbers, and symbols.
Rely on a password manager to help discreetly set and remember passwords.
Enable two-factor authentication or multi-factor authentication if it’s available. This involves using at least two forms of identification, such as a password and a fingerprint, to access an online account.
Never provide your online banking details to other people.
Avoid online banking when using public Wi-Fi, such as at a coffee shop or restaurant.
Check your accounts regularly for suspicious activity and report suspected fraud immediately.

Can You Use Online Banking to Pay Bills?

You can use online banking to pay bills by logging into your online banking account to arrange bill payments electronically or by check. Online bill pay is a simple way to take care of your bills and help ensure you're always on time with payment by setting up automatic payments. It works especially well for bills with regular, set amounts, such as a mortgage payment, insurance premium, or car payment.

What Is the Best Online Bank?

The best online bank for you will depend on your banking service needs and priorities. Investopedia's choice for the best online bank overall is Ally Bank. Our top choice for savings is Synchrony Bank and our top choice for checking is Discover.

Online banking is a fast, inexpensive, and convenient way to handle many of your everyday financial needs. You can probably access online banking if you already do business with a bank or credit union. All you need to do is sign up for online banking services. And while you can use online banking features from a traditional bank, picking an online-only bank for your banking needs might boost the interest you earn on savings and help reduce fees.

Consumer Financial Protection Bureau. " Online and Mobile Banking Tips for Beginners. "

Civic Science. " Online-Only Banks Are Gaining Ground With Gen Z ."

Cybersecurity & Infrastructure Security Agency. " Use Strong Passwords ."

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Essay on Internet Banking

In this essay we will discuss about Internet Banking. After reading this essay you will learn about: 1. Meaning of Internet Banking 2. Objectives and Drivers of Internet Banking 3. Trends in India 4. Facilities Available 5. Emerging Challenges 6. Main Concerns 7. Strategies to be Adopted by Indian Banks.

Essay on the Strategies to be Adopted by Indian Banks for Introducing Internet Banking

Essay # 1. Meaning of Internet Banking :

With the growth of internet and wireless communication technologies, telecommunications etc. in recent years, the structure and nature of banking and financial services have gone for a sea change. Internet banking or e-banking is the latest in this series of technological wonders in the recent past which involves use of internet for delivery of banking products and services.

Even the Morgan Stanley Dean Witter Internet Research emphasised that web is more important for retail financial services than that for many other industries. Internet banking or e-banking is changing the banking and its structure and is having major effects on banking relationships.

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Banking activity is now no longer confined to the branches where a customer has to approach the branch in person, for withdrawing cash or deposit a cheque or request for a statement of Accounts.

In accessing a true internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Thus providing Internet banking is gradually becoming a “need to have” than a “nice to have” service.

The net banking is, therefore, more of a norm rather than an exception in many developed countries because it is the cheapest way of providing banking services. Under this system, online banking is possible where every bank customer is provided with a personal identification number (PIN) for making online transactions with the bank through internet connections.

Internet banking or e-banking falls into four main categories, from Level 1—minimum functionality sites that offer only access to deposit account data—to level 4 sites highly sophisticated offering, enabling integrated sales of additional products and access to other financial services—such as investment and insurance.

In other works, a successful internet banking solution offers:

1. Exceptional rates on savings, CDs and IRAs.

2. Checking Account with no monthly fee, free bill payment and rebates on ATM surcharges.

3. Credit card facilities with low rates.

4. Easy online applications for all accounts including personal loans and mortgages.

5. 24-hour account access.

6. Quality customary service with personal attention.

Essay # 2. Objectives and Drivers of Internet Banking :

The internet has developed level playing field and thereby afforded open access to customers in the global market-place. Internet banking is a cost-effective delivery channel for the modernized financial institutions.

In this system, consumers are embracing many benefits of e-banking. To have access to one’s accounts at any time and from any location through world wide web (www) is a convenient practice, which was unknown a short time ago.

Thus, a bank’s internet presence transforms from ‘brochure/ware’ status to ‘internet banking’ status once the bank goes through a technology integration effort so as to enable its customer to access information about his or her specific account details.

Following are the six primary objectives or drivers of internet banking:

1. To improve customer access.

2. To facilitate the offering of more services.

3. To increase customer loyalty.

4. To attract large number of customers.

5. To provide cost-effective services offered by competitors.

6. To reduce customer attrition.

Keeping objectives in mind, the internet banking facilities has been progressing at a rapid pace throughout the world.

Essay # 3. Trends of Internet Banking in India :

In India, initially a beginning was made in internet banking only in some big cities which was just in rudimentary stage. After getting initial success, the internet banking facility is gradually being expanded in all cities and towns to make the system popular.

The banking industry in India is also facing unprecedented competition from non-traditional banking institutions which are now a day’s offering banking and financial services over the Internet. The deregulation of the banking industry along with emergence of new technologies are enabling the new competitors in the banking sector to enter the financial services market quite efficiently and quickly.

Core or Anywhere Banking:

In order to support internet banking facilities another new concept of banking i.e., core or anywhere banking is introduced. Initially introduced by the foreign banks, the same concept in new increasingly adopted by public sector banks and also the private sector banks.

Under this concept of banking, bank customers who have an account with any select branch can easily operate his account from different designated branches on the bank spread throughout the country.

Under this system, a customer can avail cash withdrawal, cash deposit, transfer of funds, inter-city and intra-city transactions, collection of draft and cheques etc. facilities from any of such designated branches conveniently irrespective of its locations.

Core banking concept has improved the standard of the banking services with the help of modern technology. In present times, most of the public sector banks have already adopted this concept and started extending these facilities to its customers gradually by including more and more of its important branches under this category.

Progress of Internet Banking:

In India, internet banking is gradually being developed throughout the country.

As per the recent study it is observed that:

(a) A number of banks have already adopted internet banking and are offering varied kind of services through it,

(b) These internet sites generally offer only most of the basic services. Only 50 per cent are known as ‘entry level’ sites offering little more than company information’s and basic marketing materials and 10 per cent are offering ‘advanced transactions’ such as online funds transfer, transactions and cash management services etc.; and

(c) Most of the foreign and private banks in India are much advanced in terms of the number of sites and their level of development in terms of rendering advanced technology linked services to its customers. Recently, an authority of ICICI Bank observed, “Our Internet banking base has been growing at an exponential pace over the last few years. Currently around 78 per cent of the bank’s customer base is registered for Internet banking.”

Security Precautions :

In order to make their bank account safe, one should follow certain security precautions. Customer should never share personal information like PIN number, passwords etc. with anyone, including employees of the bank. It is important that documents that contain confidential information are safeguarded. PIN or password should be changed immediately and memorized before destroying the mailers.

Customers are also advised not to provide sensitive account-related information over unsecured e-mails or over the phone. He must take simple precautions like changing the ATM, PIN and online login and transaction passwords on a regular basis. It is also important to ensure that the logged in session is properly signed out.

Essay # 4. Facilities Available Under Internet Banking in India:

Following facilities are made available for customers under internet banking in India:

(i) Bill Payment Service:

Bill payment service is a utility service of internet banking. Accordingly, each bank has tie-ups with various utility companies, service providers, insurance companies across the country. Such tie-ups can facilitate online payment of bills of electricity, telephone, mobile phone, credit card, insurance premium bills etc.

In order to make online payment of bills, a simple one-time registration for each bills has to be made and a standing instruction has to be made to make online payment of recurring bills automatically. Most interestingly, the bank usually does not charge customers for such online bill payment.

(ii) Fund Transfer:

Internet banking has made provision for transfer of any amount of fund from one account to another of the same or any other bank. Accordingly, customers can send money anywhere in India. Once a customer logs in his account, he needs to mention the payee’s account number, his bank and the branch. The transfer will take place in a day or so, whereas in a traditional method it takes about three to four working days. ICICI Bank recently reported that its online bill payment and fund transfer facility have been most popular online services.

(iii) Credit Card Customers:

Internet banking provides the facility of credit card to its customers. With internet banking, customers can not only pay their credit card bills online but also gets a loan on their cards. Not just this, they can also apply for an additional card, request a credit line increase and in case the card is lost, one can report lost card online.

(iv) Railway Pass and Online Booking:

Through Internet banking facility to issue Railway pass is also available. Indian Railways has tied up with ICICI bank for this purpose and one can now make railway pass for local trains online. The pass can be delivered to the customer at his doorstep. Initially, the facility was limited to Mumbai, Thane, Nashik, Surat and Pune. The bank would just charge Rs 10 + 12.24 per cent of service tax. Moreover, online booking of e-tickets of Railways, Airlines etc. can also be made with some arrangement with banks through Internet banking.

(v) Investing through Internet Banking:

Through Internet banking, opening a fixed deposit account has become easier. A customer can now open an FD account online through funds transfer. Online banking can also be a great friend for lazy investors. Moreover, investors with interlinked de-mat account and bank account can easily trade in the stock market and the amount will be automatically debited from their respective bank accounts and the shares will be credited in their de-mat account.

Besides, some banks provide its customers the facility to purchase mutual funds directly from the online banking system. Nowadays, most leading banks offer both online banking and de-mat account facilities. However, if a customer is having his de-mat account with independent share brokers, then he needs to sign a special form, which will link his two accounts.

(vi) Recharging Prepaid Phone:

Through Internet banking, recharging of prepaid phone has also become possible. It is no longer needed to rush to the vendor to recharge prepaid phones as and when talk time runs out. Here the customer just tops-up his prepaid mobile cards by logging in to Internet banking. By just selecting operator’s name, entering mobile number and the amount of recharge, the prepared phone of the customer is again back in action within few minutes.

(vii) Shopping at Fingertips:

Internet banking provides facility of shopping at fingertips. Leading banks have tied-up with various shopping websites. With a range of all kind of products. One can shop online and the payment is also made conveniently through his account. One can also buy railway and air tickets through Internet banking.

Essay # 5. Emerging Challenges of Internet Banking in India :

In India, a large sophisticated and highly competitive Internet Banking Market is gradually being developed with market pressure and is subjected to the following emerging challenges:

1. Demand side pressure due to increasing access to low cost electronic services.

2. Emergence of open standards for banking functionally.

3. Growing customer awareness and need for transparency.

4. Global players in the fray.

5. Close integration of bank services with web based E-commerce or even disintermediation of service through direct electronic payments (E-cash).

6. More convenient international transactions due to the fact that the Internet along the general deregulation trends, eliminate geographic boundaries.

7. Move from one stop shopping to ‘Banking Portfolio’, i.e., unbundled product purchases.

The Internet and its underlying technologies have been changing and transforming not just banking but all aspects of finance and commerce. It usually represents much more than a new distribution opportunity. Internet banking will also enable nimble players to leverage their traditional brick and mortar presence for improving customer satisfaction and gain share.

Essay # 6. Main Concerns in Internet Banking :

Internet banking in India has its areas of concern. In the mean time, a number of cases related to fraud and cheating of banks and customers by unscrupulous persons have already been lodged in India with this type of banking facilities. Irrespective of that attempts have been made by the RBI and the banking authorities for promoting safety and soundness of online and e-banking facilities in the country by issuing necessary guidelines.

In a recent survey conducted by the Online Banking Association, member institutions rated security as the most important issue of online banking. Thus there is a dual requirement to protect customers privacy and product against fraud.

Banking Securely:

Online Banking provides an overview of Internet Commerce and how one company can handle secure banking practices for its financial institution clients and their customers. Moreover, some basic information on the transmission of confidential data is presented in Security and Encryption on the web. In this respect, PC Magazine Online also offers a primer as to how encryption works.

Besides, a multi-layered security architecture comprising firewalls, filtering routers, encryption and digital certification ensures that customers account information is protected fully from un-authorised access in the following manner:

(i) Firewalls and filtering routers ensure that only the legitimate Internet users are usually allowed to access the system.

(ii) Encryption techniques used by the bank (including the sophisticated public key encryption) would ensure that privacy of data flowing between the browser and the Infinity system is protected.

(iii) Digital certification procedures provide the assurance that the data a customer receive is from the infinity system.

Essay # 7. Strategies to be Adopted by Indian Banks for Introducing Internet Banking :

In present times, Internet banking has no alternatives. Indian banking is gradually getting more and more access of Internet banking. Thus, Internet banking would drive us into an age of creative destruction due to non-physical exchange; complete transparency is also giving rise to perfectly electronic market place and customer supremacy.

At this moment, the question may be asked “what the Indian Banks should do under the present circumstances?” Whatever is the strategy chosen and options adopted, certain key parameters would largely determine the success of banks on web.

In order to attain long term success, in respect of Internet banking, a bank may follow:

(i) Adopting a webs mindset.

(ii) Catching on the first mover’s advantage.

(iii) Recognising the core competencies.

(iv) Enabling handling multiplicity with simplicity.

(v) Initiating senior management to transform the organisation from inward to outward looking.

(vi) Aligning roles and value propositions with customers segments.

(vii) Redesigning optimal channel port-folio.

(viii) Acquiring new capabilities through strategic alliances.

However, the above mentioned steps can be implemented by following four steps mentioned below:

(i) In the first phase, the customer be familiarized to new environment by demo version of software on banks, website. This will enable users to give suggestions for improvements, which can be incorporated in its later versions wherever possible.

(ii) The second phase provides various services such as account information and balances, statement of account, transaction tracking, mail box, check book issue, stop payment, financial and customized information.

(iii) The third phase may include additional multi-utility services like fund transfers, DD issue, standing instructions, opening fixed deposits and intimation of loss of ATM cards.

(iv) The final phase should include advanced corporate banking services like third party payments, utility bill payments, establishment of L/Cs, Cash Management Services etc. Enhanced plan for the customers in future may include requests for demand drafts and pay orders and many more to bring in the ultimate in banking convenience.

Thus by following the above mentioned strategies, it will help banks to translate their traditional business model into a Internet banking one, falling into the following three main categories:

(i) One-stop shop.

(ii) Virtual one stop shop.

(iii) Best of Breed Supplier.

Thus by following the above steps, the Indian bankers can pave the way for the successful introduction and popularizing the new concept of Internet banking on a large scale.

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Essay on Indian Postal Services

Electronic banking has many names like e banking, virtual banking, online banking, or internet banking. It is simply the use of electronic and telecommunications network for delivering various banking products and services. Through e-banking, a customer can access his account and conduct many transactions using his computer or mobile phone. In this article , we will look at the importance and types of e-banking services.

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Therefore, banking websites are of two types:

Informational Websites – These websites offer general information about the bank and its products and services to customers.
Transactional Websites – These websites allow customers to conduct transactions on the bank’s website. Further, these transactions can range from a simple retail account balance inquiry to a large business-to- business funds transfer. The following table lists some common retail and wholesale e-banking services offered by banks and financial institutions:

Importance of e-banking

We will look at the importance of electronic banking for banks , individual customers, and businesses separately.

Lesser transaction costs – electronic transactions are the cheapest modes of transaction
A reduced margin for human error – since the information is relayed electronically, there is no room for human error
Lesser paperwork – digital records reduce paperwork and make the process easier to handle. Also, it is environment -friendly.
Reduced fixed costs – A lesser need for branches which translates into a lower fixed cost.
More loyal customers – since e-banking services are customer-friendly, banks experience higher loyalty from its customers.
Convenience – a customer can access his account and transact from anywhere 24x7x365.
Lower cost per transaction – since the customer does not have to visit the branch for every transaction, it saves him both time and money.
No geographical barriers – In traditional banking systems, geographical distances could hamper certain banking transactions. However, with e-banking, geographical barriers are reduced.
Account reviews – Business owners and designated staff members can access the accounts quickly using an online banking interface. This allows them to review the account activity and also ensure the smooth functioning of the account.
Better productivity – Electronic banking improves productivity. It allows the automation of regular monthly payments and a host of other features to enhance the productivity of the business.
Lower costs – Usually, costs in banking relationships are based on the resources utilized. If a certain business requires more assistance with wire transfers, deposits, etc., then the bank charges it higher fees. With online banking, these expenses are minimized.
Lesser errors – Electronic banking helps reduce errors in regular banking transactions. Bad handwriting, mistaken information, etc. can cause errors which can prove costly. Also, easy review of the account activity enhances the accuracy of financial transactions.
Reduced fraud – Electronic banking provides a digital footprint for all employees who have the right to modify banking activities. Therefore, the business has better visibility into its transactions making it difficult for any fraudsters to play mischief.

Learn the risks of E-banking here in detail.

E-banking in India

In India, since 1997, when the ICICI Bank first offered internet banking services, today, most new-generation banks offer the same to their customers. In fact, all major banks provide e-banking services to their customers.

Popular services under e-banking in India

ATMs ( Automated Teller Machines )
Telephone Banking
Electronic Clearing Cards
Smart Cards
EFT ( Electronic Funds Transfer ) System
ECS ( Electronic Clearing Services )
Mobile Banking
Internet Banking
Telebanking
Door-step Banking

Further, under Internet banking, the following services are available in India:

Bill payment – Every bank has a tie-up with different utility companies, service providers, insurance companies, etc. across the country. The banks use these tie-ups to offer online payment of bills (electricity, telephone, mobile phone, etc.). Also, most banks charge a nominal one-time registration fee for this service. Further, the customer can create a standing instruction to pay recurring bills automatically every month.
Funds transfer – A customer can transfer funds from his account to another with the same bank or even a different bank, anywhere in India. He needs to log in to his account, specify the payee’s name, account number, his bank, and branch along with the transfer amount. The transfer is effected within a day or so.
Investing – Through electronic banking, a customer can open a fixed deposit with the bank online through funds transfer. Further, if a customer has a demat account and a linked bank account and trading account, he can buy or sell shares online too. Additionally, some banks allow customers to purchase and redeem mutual fund units from their online platforms as well.
Shopping – With an e-banking service, a customer can purchase goods or services online and also pay for them using his account. Shopping at his fingertips.

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Solved Question

Q1. What are the three basic levels of e-banking services?

Answer: The three basic levels are:

Basic information about the institution’s products and services
Non-fund-based transactions like checking the account balance, submitting applications for services, etc.
Services where all transactions are allowed.

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Banking Essay Topics

The importance of writing an essay on banking.

Writing an essay on banking is important for several reasons. First and foremost, it allows students to gain a deeper understanding of the banking industry and its role in the economy. By researching and writing about banking, students can learn about the various functions of banks, the impact of banking on individuals and businesses, and the regulatory framework that governs the industry.

Additionally, writing an essay on banking can help students develop critical thinking and analytical skills. They will need to gather and evaluate information, form their own opinions, and present their findings in a clear and organized manner. These skills are not only valuable in academia but also in the professional world, where the ability to analyze and communicate complex information is highly sought after.

Writing Tips for an Essay on Banking

Choose a specific topic: Banking is a broad subject, so it's important to narrow down your focus. Consider writing about a specific aspect of banking, such as the role of central banks, the impact of digital banking, or the challenges facing the banking industry.
Conduct thorough research: Use a variety of reputable sources, such as academic journals, books, and industry reports, to gather information for your essay. Make sure to critically evaluate the information and consider multiple perspectives.
Organize your thoughts: Create an outline to help you structure your essay. This will ensure that your arguments flow logically and that you cover all the necessary points.
Support your arguments with evidence: Back up your claims with data, statistics, and examples. This will make your essay more convincing and credible.
Edit and proofread: Once you have written your essay, take the time to revise and edit it. Check for grammar and spelling errors, and make sure your writing is clear and concise.

Overall, writing an essay on banking can be a valuable learning experience that helps students develop a deeper understanding of the industry and build important skills for their academic and professional careers.

The role of banks in the economy
The impact of digital banking on traditional banking
The future of banking: trends and developments
The role of central banks in the financial system
The importance of financial regulation in banking
The impact of globalization on banking
The ethical considerations in banking practices
The role of technology in shaping the future of banking
The challenges and opportunities in the banking industry
The impact of the COVID-19 pandemic on banking
The role of consumer behavior in banking
The importance of financial literacy in banking
The role of banks in promoting financial inclusion
The impact of climate change on banking
The role of risk management in banking
The future of branch banking in a digital world
The impact of artificial intelligence on banking
The role of big data in banking
The importance of cybersecurity in banking
The impact of fintech on traditional banking
The role of banks in supporting small businesses
The impact of interest rates on banking
The role of banks in promoting sustainable finance
The impact of mergers and acquisitions on the banking industry
The role of corporate social responsibility in banking
The impact of monetary policy on banking
The role of investment banking in the financial system
The impact of banking on economic development
The role of banks in managing financial crises
The impact of mobile banking on traditional banking services
The role of banks in wealth management
The impact of demographic changes on banking
The role of banks in the mortgage market
The impact of banking on income inequality
The role of banks in the payment system
The impact of banking on personal finance
The role of banks in the foreign exchange market
The impact of banking on real estate markets
The role of banks in the bond market
The impact of banking on stock markets
The role of banks in the insurance industry
The impact of banking on retirement planning
The role of banks in the derivatives market
The impact of banking on corporate finance
The role of banks in the commodities market
The impact of banking on sovereign wealth funds
The role of banks in the private equity market
The impact of banking on venture capital
The role of banks in the hedge fund industry
The impact of banking on alternative investments

Banks play a crucial role in the economy by providing financial services to individuals, businesses, and governments. They facilitate the flow of funds and credit, which is essential for economic growth and development. Banks also play a key role in the payment system, money transmission, and the allocation of resources in the economy.

One of the primary functions of banks is to accept deposits from individuals and businesses and provide them with a safe place to store their money. This is important because it allows people to save and earn interest on their savings, which encourages thrift and investment. Banks also provide loans and credit to individuals and businesses, which helps to finance consumption and investment.

Banks also play a crucial role in the payment system by providing a means for people to make and receive payments. This is important because it allows for the efficient exchange of goods and services, which is essential for economic activity. Banks also provide money transmission services, which allow people to send and receive funds domestically and internationally.

In addition to providing financial services to individuals and businesses, banks also play a key role in the government's fiscal operations. They help to finance government spending by purchasing government securities and lending money to the government. This is important because it helps to fund public infrastructure and services, which are essential for economic development.

Overall, banks play a crucial role in the economy by providing financial services to individuals, businesses, and governments. They facilitate the flow of funds and credit, which is essential for economic growth and development. Banks also play a key role in the payment system, money transmission, and the allocation of resources in the economy. Without banks, the economy would not be able to function effectively, and economic development would be hindered. Therefore, banks are an essential part of the financial system and play a crucial role in the economy.

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350 Banking Essay Topic Ideas & Examples

🏆 best banking topic ideas & essay examples, 👍 good essay topics on banking, 🥇 interesting topics to write about banking, 📝 simple & easy banking essay titles, 💡 most interesting banking topics to write about, 📑 good research topics about banking, ❓ money and banking essay questions.

The Banking Concept of Education by Paulo Freire This is one of the details that should be taken into account by the readers. This is one of the pitfalls that should be avoided.
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Personal and Organizational Development in Banking My career plan is as in the figure below: – My career goal is to find a job in a bank and gradually grow through the ranks as I gain financial management related skills and […]
Traditional Versus Modern Banking Essay Traditional banking is characterized by the application of strict regulations, while modern banking is differentiated by the introduction of new laws that resulted in the deregulation of key aspects of the banking industry.
The 2008 Banking Crisis in the Documentary “Inside Job” Using the documentary “Inside Job”, the paper presented below asserts that the malpractices of different banking experts, the ethical dilemma revolving around ratings agencies’ actions, and the Gramm-Leach-Bliley and the Glass-Steagall Acts influenced the nature […]
Money: Evolution, Functions, and Characteristics It acts as medium of exchange where it is accepted by both buyers and sellers; the buyer gives money to the seller in exchange of commodities.
Reforms Necessary in the Banking System Along with competitive market the quality services will give a new touch to the banking regulations and will free up the market. The superior quality service will drag much effort of the banks to reorganize […]
Ethical Dilemma With the Bank Teller On the other hand, the bank calls for honesty in service and client protection, and given that the teller took the money without permission from an inactive account belonging to a customer it is professionally […]
Banking and Risk Management Maturity gap of the bank = Maturity of assets Maturity of liabilities. 45 years Maturity gap = 10.28 3.
Customer Satisfaction Management in Banking Sector This fact and a pivotal role of customer satisfaction in the service segment highlighted the essentiality of conducting additional research to discover the most suitable research methods.
Bank of America’s Business Model Elements The organizational structure leverages Bank of America in the following ways. Bank of America has categorized its throughputs into five categories, which are the core products, processes, and services offered.
Wells Fargo Banking Scandal: Ethical Analysis The structure and the business model of Wells Fargo allowed the emergence of the working environment that incited the employees to unethical behaviors.
Impact of Cyber Crime on Internet Banking The paper evaluates a con article on ‘The impact of cybercrime on e-banking’ [1]. H2: Identity theft will have a negative impact on the adoption of electronic banking.
Bank’s Provided Opportunities to Attract Consumers The offers are the following, to choose the credit card which backs cash when the consumer makes an online purchase, the other option is take the credit card which backs cash when the consumer makes […]
The Concept of Usul Fiqh and Qawaid Fiqhiyyah: Shariah and Islamic Banking For such convictions, this essay explores the concept of Usul Fiqh and Qawaid Fiqhiyyah in respect to issues regarding the influence of Shariah on Islamic banking practices Under the Islamic community, Fiqh is a terminology […]
Corporate Governance Statements: BHP Billiton and National Australia Bank This is to say that corporate governance requirements differ from company to company and from a broader perspective, the success or failure of a given company differs with the corporate governance statement of the company.
Grameen Bank’s Socially Responsible Innovation The bank targets the poor and marginalized with both financial assistance and information to help them grow. The Grameen Bank has continued to register impeccable performance on the social, economic, and environmental dimensions.
Commercial Bank of Australia Ltd vs. Amadio The decision by the court held that the bank manager and the commercial bank were aware of the special disadvantage of the Amadios and made no substantive efforts to ensure that Amadio clearly understood the […]
Ijtihad in Islamic Banking Even though Shariah principles forms the main legal foundation in which most of Islamic banking products and services are based, Ijtihad enables the flexibility of the Shariah principles to suit the changing needs of the […]
Sustainable Development: The Banking Sector Financial regulators need to establish strong codes of conduct to ensure banks comply with social and environmental regulations. Banks need to include environmental and social compliance in the loan application criteria, before giving out credit […]
Is Bonus Banking the Answer? Bonus banking is an incentive plan where some part of the bonus is put aside or banked in a reserve fund rather than paying out the entire bonus amount to the employee. The last variable […]
Citibank’s E-Business Strategy and Competences Citibank has incorporated the use of e-business in its operation so that it can meet the needs of its customers and to withstand the market pressures which have been changing drastically.this paper has established the […]
Mobile Banking Innovation In the mobile industry, mobile banking is one of the recent innovations that have influenced the operations of the telephone/mobile phone industry positively.
Factors Which Impact Barclays Bank Political factors refer to the government policies that affect businesses and the extent to which the government intervenes in the economy.
The Pros and Cons of Investment Banking The investment banks are also referred to as proprietors since they are involved in trading of marketable instruments using their own money as opposed to that of investors.
Lloyds Banking Group’s Situational Analysis These products the company has diversified in various products and markets in an attempt to grow and increase its share in the market.
Market Elasticity’s in Banking Industry Price elasticity of markets “refers to the degree of change in quantity demanded or supplied of a commodity due to a change in price of the commodity” The formula is: P.E.
Safaricom’s Mobile Banking When Safaricom launched M-PESA, it commissioned agents in different parts of the country; the agent’s work was primarily to receive deposits from customers and electronically transfer this to the client’s M-PESA account.
Role of Central Bank If central bank offers credit to the banks at a higher rate, then the rate of interest that commercial banks will offer loans to the public will be high; this reduces the attractiveness of the […]
The Employee Benefits Provided by the Bank of America In the process of applying for a job or assessing a certain company, it is crucial to learn about their advantages and unique features. In conclusion, Bank of America features various benefits that provide employees […]
Legal Issues in the Banking Industry The second problem is the complexity of banking operations for foreigners and the low-educated segments of the population. Thus, in banking, employees often face the problems of sexual harassment, complex mechanisms for clients, and digitalization.
Cryptocurrency and Its Impact on the Banking Industry Advanced coding is used to store and transfer cryptocurrency data between the wallet and a public ledger, and encryption is used to confirm transactions.
Overfitting and Bias-Variance Trade-Off in Banking While the training set represents most of the data, the testing set is used to test accuracy by measuring performance separately in the two separate parts of the data set.
Digital Trends & Sustainability in Banking It would be accurate to refer to banking as the financial hub of the economy because it is a major industry in the service sector.
The National Bank of Kuwait’s Improvement However, the constant improvement of technology and the introduction of innovations forced the bank to reconsider its policy and introduce a new system.
Ransomware in the US Banking Industry The mismatch can lead to a lack of trust and reputational damages. Data pertaining to the business plans and visions can also be accessed, making it vulnerable.
Tesla Inc.’s Banking Structure and Investments According to Saberi, it represents almost 4% of the world GDP, and, in the context of developed economies, 1% of automotive industry growth triggers respective 1,5% growth in the country’s GDP. Due to the specificity […]
Leadership at Qatar National Bank This paper examines in detail the phenomenon of leadership and its classic types in the light of improving the overall effectiveness of the work team.
Interpersonal Leadership Skills in Bank of America However, it is clear that the issue is not the demographics but the inefficient leadership in the company and the lack of interpersonal skills that would make people want to work at Bank of America.
Big Data Analytics in Central Banking In addition, the rate is integral to the overall cost of living, which parameter is in a cause-and-effect relationship with inflation.
Workplace Inclusivity at International Bank of Commerce Even if employees of color do not ascribe significance to the unequal distribution of power in the bank, the lack of diversity is evident.
Abu Dhabi Commercial Bank PJSC The discussion takes a general overview of the company, its mission and vision statements, strategic goals, and key objectives. The key objectives Abu Dhabi Commercial Bank wants to realize include: Growing transaction volumes and assets […]
Banking System: The Brief Analysis This is a fictional story that comes perilously near to the reality about the basic foundations of modern society. The primary objective of this story is to demonstrate reality’s simple math and the existing banking […]
Bank Pekao S. A.: Performance and Strategy Compared to its peers in Poland, Bank Pekao is uniquely placed as it launched a brokerage house and made practical biometrics technology in the banking industry, contributing heavily to the bank’s assets quality and investment […]
Financial Analysis of Al Ahli Bank of Kuwait Al Ahli Bank of Kuwait’s main competitors include Commercial Bank of Kuwait SAK, Gulf Bank KSCP, Burgan Bank SAK, and the National Bank of Kuwait.
Banking Sector of the United Kingdom At the same time, the banking sector of the United Kingdom had to balance between its financial losses and the ability to provide loans and debt-moratoria in order to support the country’s financial stability. In […]
Case Study of Hong Kong Shanghai Banking Capital From HSBC’s perspective, money laundering represents one of the most significant internal risks due to the worldwide presence, especially in certain economic areas with facilitated financial regulation and considerable economic influence, such as Hong Kong […]
Risk Factors Affecting Bank Nordik’s Operations and Risk Management Control measures adopted by the firm to manage these risk categories are explored in this investigation and the findings used as a justification for the development of a robust risk management plan.
The Albilad Capital Bank’s Mission and Vision Since the bank is striving to renew its mission and vision from the start, it is crucial to identify the values and vectors of direction.
National Australia Bank’s Sustainability Challenges One of the reasons for the success of NAB is the overall strategy of the company, which focuses its capital management on adequacy, efficiency, and flexibility, maintaining the economic balance to support and strengthen the […]
Aspects of Electronic Banking The significance of our study is in the critical issues of e-banking and the areas of improvement that the banks can eliminate or improve to boost customer satisfaction.
The Lebanese-Canadian Bank’s Money Laundering The bank was later banned from using the dollar by the American treasury; this resulted in the collapse and eventual sale of the bank.L.C.B.had to pay a settlement fine of one hundred and two million […]
Barclays Bank Description Introduction Barclays bank is a UK-based Multinational Corporation headquartered in London and operates in the financial niche. The universal bank was established in 1860 in London as a goldsmith’s lending business offering people loans and saving options. The bank’s resilience in the corporate domain made it navigate all the challenges, and it still operates to […]
Alonzo vs. Chase Manhattan Bank, NA Case Study However, the author provides an insight into the matter by claiming that the policy concerning workplace discrimination took a dramatic turn in the early 1960s upon adoption of the Title VII of the Civil Rights […]
Political Theories and the World Bank Known as ‘power politics’ or means to exercise power World Bank massive financial institution which poorer nations depend on for subsidies Manner of soft power of the richer states contributing to the World Bank […]
Misconduct in Banking, Superannuation and Financial Services The company was included in the Royal Commission report due to ASL and NM releasing the trustee duties of their funds because of the AMP Group membership.
Sexual Harassment in Meritor Savings Bank vs. Vinson Case Mechelle Vinson, a defendant and a former employee of the plaintiff bank, filed a lawsuit against the bank and its bank manager Sidney Taylor. Sidney Taylor was the vice president of the bank and the […]
Considerations in Investment Banking However, to ensure a fruitful outcome, the CFO should choose a qualified and experienced investment banker to represent the facility. Secondly, the selected investment banking firm is expected to act as both a matchmaker and […]
The Impact of Bank on the Cost of Financial Intermediation Also, since the two variables are not controlled; bank concentration and national institutions, the research argues, however, that the measures of concentration capture the efficient structure theory and market power theories.
Hongkong and Shanghai Banking Corporation: Approach to Operating in China According to Luthan and Doh, centralization played a significant role in HSBC’s success in the new market. It was also the first company to establish a locally incorporated entity in Taiwan and Vietnam.
A Problem in Implementation of CSR in the U.S. Banking Industry Corporate social responsibility is essential in this age of intense globalization and competition – essential for firms to survive in the competition and also important for firms.
The Bank of America Corporation: Planning & Organizational Analysis The Bank may use environmental adaptation planning activities to enhance external relations with stakeholders such as customers, governments, suppliers and the public.
Digitalization of E-Commerce in Bank of Ireland The interview with the Senior Director in the Property Finance division of Corporate Banking, Michael Murray, revealed the importance of the advance of digitalization for the Bank of Ireland. These and other technologies will enable […]
The 1920 Farrow’s Bank Failure and Its Causes In this context, the company would be resilient to any stresses, and the outcome of the situation may be the opposite.
The Mountain Bank’s Strategy Analysis The most suitable competitive business strategy, in the case of the Mountain Bank is to build the presence in the market of consumer lending and corporate banking.
Banking: Financial Transaction Risks In that case, even the losses-free termination of the transaction would be a failure since the goal of acquisition would remain unachieved.
Bahrain Development Bank: Analysis To identify and develop ways of assessing learning at the working station to facilitate the employees’ skills and competencies. To identify ways of integrating training capability and focus on the organizational processes through skills acquisition […]
ICBC Bank – China: Overview The shifted focus of ICBC’s policy became the major contributor to the growth of the company on the international market and the subsequent cultural changes.
Customers’ Perceptions of M-Banking To find answers pertaining to the major objectives of the study, the gathered data was analysed using SPSS v.23. An exploratory factor analysis was run to group the existing variables into factors, and also to […]
“Attitudes Towards Mobile Banking” Article by Sohail & Al-Jabri In the introduction of the article, much background information, an overall evaluation of the situation in the banking industry, and the purposes of the study are discussed.
The Bank of Toroda: A Stakeholder Approach “Stakeholders are persons, organizations and groups that have to be considered by managers, directors as well as front office workers.”
Corporate Bias in the World Bank Group’s International Centre The institution judges the Pan Rim case neglecting the El Salvador government’s views, local communities, and the Catholic Church. It does not prioritize the protection of the environment and human rights.
Alinma Bank Industry Analysis. Case Study The demand for the services is another essential factor that shows the industry is profitable. The presence of many investors in the country shows that the demand for financial services is high.
Impact of Online Banking on Dubai International Bank DIB has developed t-banking (telephone banking), e-banking (electronic banking) and m-banking (mobile banking) from this trend.
Phishing Victimization on Internet Banking Awareness Therefore, the study is meant to determine and evaluate consumer susceptibility to e-banking victimization through phishing attacks. Subsequently, the study will be designed to evaluate the effectiveness of phishing victimization training to E-banking consumers.
ICT: E-Banking and Firm Performance ICT is concerned with storage, retrieval, manipulation and transmission of digital data. ICT involves software, hardware and systems.
P&G & Royal Bank of Canada’s Securities Valuation The discussion in the paper focuses on the Two-Fund Separation theorem. The discussion also reveals that the asset allocation problem focuses on the allocation of resources between two risky assets.
Governance Failures in Australian Banking Sector Firstly, executive compensation in the Australian banks was not tied to performance outcomes, and, secondly, the major problem in the CEOs’ conduct was related to the field of ethics.
Hongkong and Shanghai Banking Corp and Wells Fargo Speaking of the Income Statement, Wells Fargo wisely divides it into interest income and expense and non-interest income and expense, and this aspect eases the overall calculations of financial ratios.
Analysis of Al Hilal Bank Launch At the time when Al Hilal was launched, the situation in the world financial system was not favorable. It can be concluded that the banking market at the UAE was not favorable at the time […]
Noor Bank’s Balance Sheet and Income Statement The bank’s operating income from Islamic banking and sukuk amounted to more than 895 million AED compared to 678 million AED in the previous year.
Banking Institution and Transaction Regulations In the case of Brittany, it is the duty of the bank to authenticate all transactions on her account. In the process of negotiation, most parties often focus on the substance of the deal and […]
Bank of America’s Strengths and Weaknesses Interestingly, even non-banking institutions such as Quicken Loans and Leader Bank have started to claim a share of the market held by Bank of America. The root cause of the Bank’s mortgage troubles emanated from […]
Bank of America’s External Analysis in 2013 Among the major lenders in Massachusetts, for instance, Bank of America was the only bank that recorded a notable decline in the volumes of purchase and refinancing loans relative to other years. Apparently, competition has […]
Sales Portfolio: A Bank Mortgage and Marketers Although a mortgage has several advantages to both the commercial institution and the customer, it has its share of disadvantages. Many clients are reluctant to take up a mortgage because of the high interest rates.
Banking With WikiLeaks If Wiki Leaks has the right to be served by a financial institution, the company must ensure that it does not harm the operations of the institution.
The Essence of the Islamic Banking System Riba of the Quran is called Riba An-Nasiyah and riba of the of Sunnah is called Riba Al Fadl. In the context of Islamic banking system, gharar is excessive uncertainty.
Factors Effecting Bank – Borrower Relationship in UAE The Middle East region’s banking industry is one of the fastest growing in the world. It is projected that the industry will get even better in the future due to the nature of the business […]
Bank of China Limited: Overview That said the objective of my effort is to present a report on the Bank of China’s IPO of 2006. This listing was exceptional since it was the only bank of China that had managed […]
Banking Industry: Successes and Failures These banks are regulated by the federal government and are required to be members of the Federal Reserve. However, these banks are not compelled to be members of the Federal Reserve.
Mortgages Offered by the RBC Royal Bank From your profile and to the best of my knowledge, I take pride to inform you that we have five financial investment products that best suit you.
Banking and Financial Markets: Asset-Backed-Securities Thus, there are four notable main stages in the process of creating the asset-backed securities and these include: Segregation of assets from originator or seller Creation of a specialized functional vehicle to seize the asset […]
Analyzing and Managing Systematic Risks in Banking Risk assessment is done to ascertain the nature of task before deciding the strategy of responding to it. Analysis and management of risks requires one to identify the nature of the risk involved.
Islamic Banking in Dubai and the UAE In an Islamic environment, the approach to financial operations such as the law of contracts, nature of property, interest rates and business transactions is quite different from the rest of the world.
Deutsch Bank Analysis and Performance Forecast The big bonus for banks came in the form of the Securitization Bill, which gave banks and institutions opportunity to recover from bad debts.
International Banking: New Basel The combination of the four changes in 2004 intended to speed up off-balance sheet mortgage securitization as the main avenue to drive the revenue together with the share price of banks.
Barclays Bank: Management Accounting Report This team assists the management in the gathering of information that is unilaterally used in management accounting to address specific challenges in the bank.
BNP Paribas International Banking Networks In the United States, the bank has a strong presence in the western part of the country, whereas, in Asia, it has fixed a secure and fast-growing business.
Riyadh Bank: The Historical Financial Analysis By the end of the third quarter of the year 2011, the organization has recorded a 15% increase in its net profit.
Budgeting of HSBC Bank UAE Branch Looking at their financial statements one will note that they are quite detailed with lots of financial items, which are specific to the bank, and understanding them requires referral to the notes accompanying the financial […]
Westpac Banking Corporation Analysis and Forecast The entry of foreign banks as well as the building societies which were speedily developing into banks and the emergence of other financial institutions increased competition in the Australian financial market.
The Analysis of Banorte Bank in Mexico The scrutiny of the bank’s fundamentals and variables of the bank form part of the report. Financial analysis and forecast of the bank’s financial performance is the major objective of the report.
Case on Private Equity in Saudi American Bank The problem was that the firm’s investment manager was investing for the first time and therefore, he had many questions to ask before he finally made the decision to invest in the company.
Commercial Banks and the Northern Rock Crisis Bank Roles Prior to the actual analysis of the case of the Northern Rock bank is a brief background that elaborates the scenario of the Northern Rock Bank Crisis.
Bank (HSBC) and Life Insurance Company (Protective) The report also investigates the profitability of the two companies, the metrics used to measure profitability, variation in the last five years and the reasons for these variations.
Investment Banking and Operations Management In a steady market, the bank uses the information conveyed in prices of assets to significantly allocate capital resource to the most profitable and ultimate use.
Investment Banking and Global Operations Management Essentially, banks engage in securitization process to increase their uncertain profit opportunities and also to adjust their asset portfolio Entering into the security markets through the perspective of the original financial institution is of great […]
Online Banking and Cryptographic Issues A disadvantage of online banking is that it inherently reduces the interaction between banks and their customers and in addition, security is not guaranteed in this type of banking, that is, hackers have a chance […]
The Failure of Superior Bank The crisis in Superior Bank was associated with the fact that the directors failed to observe and address risky financial management strategies that were followed in the organization, and the regulators did not pay much […]
Criminal Law & Bankruptcy: Bullard vs. Blue Hills Bank The action by the court caused Bullard to appeal against the decision to the BAP to which the BAP concluded that the denial was not the final.
Time Value of Money: Choosing Bank for Deposit The value of the money is determined by the rate of return that the bank will offer. The future value of the two banks is $20,000 and $22,000 for bank A and bank B respectively.
First Citizens Bank’s Financial Income in North Carolina The income analysis pertains to a comparison of the profit, revenue, income and profit of the institution in the recent year for analysis on the position of the company.
Financial Risk Management in Islamic Banking Ahmed defined Islamic financial as a system of finance based on principles of Islamic banking, and that operates under the ethics of Islamic teaching.
Finance & Banking: Blades Corporation This is because of the volatility of international currencies and the risk that the changes in the value of the currencies will result in a loss from trade receivables and/ or payables depending on the […]
The Role and Functions of Law in the Banking Industry The first part provides answers to questions regarding the Cipollone versus Liggett Group case, the second part discusses the role and functions of law in the banking industry, and the third part looks at future […]
The Crime of Robbing the Big City Bank Combined with eyewitness testimony and video evidence, it can be stated beyond all doubt that Clark was guilty of the crime.
Citi Bank: Business and Corporate Law The enforces a number of Acts that include the Investment Advisers Act of 1940, the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940, and the Sarbanes Oxley […]
The Banking Industry: Brief Analysis They include the open market operations that are meant to regulate the amount of money in the reserve. This is important because it influences the transactions in the other parts of the economy, such as […]
First Gulf Bank Financial Activity The retail bank consists of accounts, deposits, credit cards, safe deposit lockers, loans and mortgages; the First Gulf Bank is the largest bank in United Arab Emirates with shareholder equity of over AED 20 billion […]
Forecasting of National Bank of Greece (Nbg Bank) Current liabilities are short term obligations that occur in the course of running the firm and have direct associations with sales.
Banking Analysis: Review The chart shows a continuous increase, with a few years of drop; but the scale of the chart for the most part is upward. The trend of consolidation comes across in the presentation of the […]
Islamic Finance and Banking. Basic Islamic Principles The Islamic banks approach to lending is very unconventional in that the bank does not give out the loan to a borrower per se, but instead acquires the asset on behalf of the borrower who […]
World Bank Mining Industry Forecast Therefore, this document will use the data provided by the bank to give a projection of mining, in a global capacity.
Corporate Cyber Risk Assessment: Bank of America Arguably, one of the most epic accomplishments of the 21st century was the invention of the computer and the subsequent creation of the internet.
Ethics in the Banking Industry in the UK It may be argued that organizations may require ethics as the part of their practices in the industry, but it may not be the essential or core part in any institution, specifically in the organizations […]
The Economy: The US Banking System Capital formation refers to the distraction of the economy’s productive capacity for the creation of capital goods which eventually increase the productive capacity in the future.
Banking Contract and Fiduciary Obligations The paper explores the relationship between a bank and a customer from the perspective of fiduciary obligations of a banking contract.
Bank Loans and Deposits Role in Saudi Arabia Monetary System The major feature of Islamic banking is confined to the bank’s concept of Profit and Loss Sharing, in this arrangement the banks depositors are strictly speaking not creditors to the bank per se, but rather […]
Case Analysis on Banking Industry of Germany The globalisation and competition of the banking industry have increased because of the growing importance of banking in the marketplace. The decisions of Basel II and the EU for public sector banking and capital markets […]
Bank Fraud: Easyloan Bank Ltd and ABC Pty Ltd This is similar to the situation in the US where the office of the Attorney and a section of the Criminal Fraud Department of Justice handles mortgage prosecution cases.
Unremunerated Reserve Requirement Policy: Central Bank of Thailand Under the impact of the World War II, the government of Thailand upgraded the status of the Bureau to that of a central bank by passing the Bank of Thailand Act in the year 1942.
Solvency Risk and Liquidity Risk of a Bank Differences The aim of this report is to identify the meaning of the solvency risk, liquidity risk, credit risk, dynamic provisioning, and the effective control of the solvency risk besides the problems which the bank encounters […]
The Banking Crisis of 2007-2010 The role of Credit Rating Agencies in the subprime mortgage-related securities market turmoil was scrutinized by the Securities and Exchange Commission.
Banco Popular Español and the Saudi Investment Bank In this paper, the analysis of two banks and their risk management will be given: Banco Popular Espa ol S.A.with its abilities to take care of liquidity, credit, and other risks and the Saudi Investment […]
Comparative Study of Conventional and Islamic Bank Performance in the GCC Segregated by bank group and criterion variable, the correlation-based shortlist of independent variables are as shown in tables 1 to 3 below and overleaf.
Economic Development as the Key Driver of Global Private Banking and Wealth Management Industry The reverse reality of salient features of wealthy people in different parts of the world is the observation that the vast majority of the populace live in poor and deplorable conditions.
Bank of America: The Staffing Process The effectiveness of staffs recruited in the bank depends on the ability of the bank to recruit the most suitable employees.
The Royal Bank of Canada: Investment Analysis and Management As a result, the regional bank grew to a national bank and this success is not only attributed to the strategies of the institution itself but also the role played by the people of Canada […]
Comparison Between Saudi Hollandi Bank Suk vs. Bank Bonds Besides, another factor is that through investments in such bonds, the investor gains certain amount of ownership in the assets of the company in the extent of his investments, which unfortunately is not possible in […]
UBS Investment Company in the Swiss Banking Sector The relation of the Swiss banking industry with Swiss economy and the future aspect of investment in the industry are discussed.
Saudi Banking Industry and Riyad Bank’s Performance In this context this paper analyzes the performance of the Saudi banking sector during the period from 2003 to 2007 in general and that of Riyad Bank, one of the major players in the Saudi […]
Fransi Bank’s Financial Analysis and Forecast The financial analysis reveals the financial performance of the bank and the key factors that help the bank to be a leading organization in the industry.
UK Banking Sector Recovery Plan The objective of the analysis is to identify the possible benefits, weaknesses and implications of the plan to the British economy.
Three Financial Ratios for Stock Investor and Bank However in the stock investor will be looking for a long-term capital gain, the equity debt becomes more important since the stability of the company would be more important than the current liquidity.
Changes in the UK and US Banking Industry In the 1980s the US banking industry experienced increased transformation to the regulation of the financial institution by the Federal bank.
Al-Rajhi Bank of Saudi Arabia vs. Dubai Islamic Bank For the purpose of our assignment, we will use values of the total share capital of the year, the profit for the year, and the dividends paid to the shareholders of the banks.
The Bank of England and the Financial Services Authority One of the most crucial changes that the agreement effected was the removal of the supervisory and regulatory role of banks from the Bank of England to the FSA.
Trails to Success: Bank of America On analyzing the strategy of work of Bank of America and the requirements set for the applicants, it is possible to state that professional skills are the basis of a successful career in banking.
Performance Evaluation of Al Rajhi Bank The financial statements and other information of the bank available at its website have been used to evaluate the performance of the bank.
Ethical Implication of Banking Bailout As such, if the government uses a billion to rescue the banking sector, it has to obtain this money from somewhere else in the economy.
Corporate Security Strategy: Financial Risks in Banking Sector However, the absence of effective risk management interventions is posing significant challenges to the success of financial institutions in the industry.
Customer Service Improvement Project at Qatar National Bank Evaluation Hayes and Wheelwright’s 4-Stage model is a conceptual tool meant to evaluate the project with the extent of how its operational contributions improve the company’s competitiveness.
Theft and Workplace Problems: The Accidental Bank Robbery The complicating factors in the scenario are the probationary status and inexperience of Carol, the steadfast position of the customer about the money he received, and the reliance of Chris on the knowledge and experience […]
Why Do Banking Policies Need To Keep Up With The Times? Considering the world’s pandemic-related situation, the number of people who create content will keep increasing, and the lack of services from banks will severely affect the authority of the banking system.
Chase Bank Company Analysis
Creditpia’s Banking Sector
Lloyds and Northern Rock Bank Buildings Semiotic Analysis
Goldman Sachs Bank in Economic Turmoil
HSBC – Criticised Over Their Banking Methods
Background About Garati Bank in Turkey
Home Loan Offered by Bank of America Corporation (BAC)
Total Quality Management in Abu Dhabi Commercial Bank
CRM Implementation Project for the Bank
Abu Dhabi Commercial Bank: Corporate Governance Principles
The World Bank: Definition and Activity
Network Information and Activity Times in Banking Firm
Case of Westpac Bank & St. George Bank Merger
Andrew Jackson and the “Bank War”
Diversity of Employees in the Boston Bank
Adopting a New IT Strategy in SBI Bank
Kiboko Bank: Business Ethics Issue
Grameen Bank’s Concertive Control Systems
Bahrain’s Al Salam Bank’s Offer for Bahraini Saudi Bank
IMF and World Bank: A Boon or a Bane for Developing Nations?
Young Depositors and Face-To-Face Banking
Threat of New Entrants to Commercial Banking Industry
Oil Pricing and Demand in Connection With the US Banking System Position
Production & Organization Management in a Refinancing Organization
Standard Chartered Bank: Problems and Solutions
The Banking Concept of Education
Competitive Advantage Source: Westpac Banking Corporation
World Bank – IMF and the United Arab Emirates
Current Problems of the Banking Industry
The United States Banking Industry: Economic Profile
Money and Banking. Financial Markets
Integration of E-Commerce Websites in Banking Systems
Global Banking Secrecy Toolkit
Banking in Saudi Arabia: Main Facilities, History, and Future
“Data Mining and Customer Relationship Marketing in the Banking Industry“ by Chye & Gerry
Kuwait’s Banking Sector Overview
Competitive Advantage in the Banking Sector
Global Reputation and Competitive Advantage in Banking
International Banking System
“A Century of US Central Banking” by Bernanke
Gambling, Fraud and Security in Banking
Banking Systems Success in Canada and Australia
Banking and Monetary Policy During Recession of 2008-09
Dubai Macroenvironmental Analysis for Banking
Banking: Interest Rates and Credit Creation Process
Banking in David Ashby’s “Money Mechanics”
Banking Sector in the State of Kuwait
International Banking Sector: Financial Regulation
Kuwait Economy and Corporate Governance in Banking Sector
Bond Market and Banking in Gulf Countries
Westpac Banking Corporation Risk Management Policy
Citigroup: Credit Default Swaps in the Banking Industry
Hong Kong and Shanghai Banking Corporation’s Entry Into Japan
Satisfaction Management in Banking Industry
The Wall Street Crash Impact on the World’s Banking System
Hong Kong and Shanghai Banking Corporation Holdings
Retail Banking Products and Services
The Shift From Physical Personal Banking to Online Banking
Mobile Banking Adoption: Challenges and Solutions
Banking Industry Guidance
Employee Turnover Rate in UAE Banking Sector
Islamic Banking: Sales and Lease-Centered Models
Arbitration in Islamic Banking and Finance Dispute
The Shadow Banking System: Financial Crisis Source
China Banking Supervision System: Defects and Improvement
Online Activity of Banking Sector in the UAE
Operational Risk in Conventional and Online Banking
UAE Banking Industry’s Status in a Global Context
Customer Engagement in the Greek Retail Banking Sector
Landsbanki Banking Analysis and Bank Alternatives
Resistance to Change in Banking Orhanisations
Resistance to Change in the Banking Sector
Customer Service in the UAE Banking Sector
Corruption and Ethics in China’s Banking Sector
Islamic Banking Principles and Relevance
Islamic Banking: Tools and Techniques
Banking Sector Cyber Wars and International Hacking
Islamic Banking and Financial Markets Critical Issues
JP Morgan Chase’ Banking Analysis
Banking Institutions Improvement
The Basel Committee Role in Banking
China’s Banking Sector Analysis
Greenbelt Banking Company’s Human Resource Management
Islamic Banking Principles
Banking Regulation and Taxation
UAE’s Banking Industry Analysis
Money and Banking: The Economic Recession of 2007
The Russian Banking Sector
The Use of CRM in Australian Banking Industry
Money and Banking: David S. Ashby’s Perspective
Big Four: Banking in China
Banking Credit Risk Management
How to Keep Customers Loyal to Online Banking
Banks, Bank Firms and Financial Intermediaries
Market-Based Versus Bank-Based Financial Systems
Bank Mergers and Cost of Capital
Managing People in the Bank of America
The Implications of Internet-Banking on Bank Profitability
Service Quality Model in Internet Banking and Finance
Projected Customers Maintaining Strategies in Banking Industry
The Banking Industry in the United Arab Emirates
IPScape in the Australian Banking Sector
Bonus Banking: Case of UBS
Crossvergence in the Banking Industry
Ameribank and Online Banking
Benchmarking in the Investment and Banking Sector
Overcoming the Debt Crisis by European Banking Sector
National Bank of Kuwait: Employee Appraisal Problem
An Investigation of the Sustainable Benefits of Agency Banking in Kenya
HSBC Bank’s Kenyan Entry Strategy
Islamic Banking Sector Issues
The Basel Committee on Banking Supervision
Bank of America and Silver A-Plus Card
An Evaluation of the Economic Issues Identified in the ICB Report on Banking
Comparison of the United States and Saudi Arabian Banking Sector
Crisis in the Banking System of Korea
Financial Industry Analysis on MCU Sustainable Banking
Online Banking and Online Purchases
Problems in Banking Regulation
Central Banking and the Money Supply
The Different Roles Played By the Central Bank, Depository Institutions, and Depositors in the Determination of Money Supply
The UK Banking Practice That Led to Financial Crisis
Human Resource Management at the Bank Alfalah
Bank of America: Realizing Servant Leadership
A Marketing Research on Mobile Banking
The Too Big to Fail Phenomena in the Banking Sector
A Report on Customer Driven Marketing Strategy for Easy-Pay Mobile Banking Service
HSBC Holdings: Chinese Banking Sector
RBS Citizen Bank Culture and Change
Employee Motivation Factors in Banking
Crisis Management: Online Banking Security Breach
Mobile Banking in Saudi Arabia: Towards Understanding the Factors that Affects the Sector
Société Générale Bank: Effective Security Controls
Banking Industry Analysis
The History of U.S. Banking Crises: Cause and Effect
What Is Current Research in Money and Banking?
What Is the Study of Money and Banking?
What Are the Advantages of Banking?
U.S. Money and Banking: What Is the Key Issue Facing Us?
What Are the Main Topics of Money and Banking?
What Is the Best Research Topic in Money and Banking?
What Is the Divergence Between Accounting Standards and Banking Regulation?
What Were the Causes of the Banking Crisis of the 1930s?
What Are the Types of Banking?
What Is the Biggest Problem in Money and Banking?
How Do I Choose a Topic for Research in Money and Banking?
What Are the Most Important Money and Banking Services?
What Is the Banking System Like in South Korea?
What Are Some Good Thesis Topics in Finances and Banking?
What Are the Money and Banking?
What Are the Types of Money and Banking?
Why Is Banking Research Important?
What Are the Main Functions of Money and Banking?
What Is the Main Role of Banking?
What Do You Study in Banking?
What Are Money and Banking Used For?
Who Invented Banking?
What Are Basic Money and Banking Skills?
What Does Mobile Banking Need?
What Are the Categories of Money and Banking?
What Is the Purpose of Money and Banking?
How Does Islamic Banking Work?
What Is the Connection Between Accelerating Inflation and Decreasing Effectiveness of Banking Regulation?
What Is the Role of Money and Banking in the Economy?
What Are the Current Trends in Banking Industry?
Cost Accounting Essay Topics
Crisis Management Essay Titles
Corporate Finance Essay Ideas
Forecasting Questions
Insurance Ideas
Risk Assessment Questions
Quality Assurance Questions
Private Equity Research Ideas
Chicago (A-D)
Chicago (N-B)

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E-Banking, Meaning, Classification, Types, Services, Significance.
Meaning of E-Banking: Banks give administrations or bank services to draw in clients, from giving advances, issuing of debit cards and credit cards, computerised monetary services, and surprisingly personal services or administrations. Even so, some fundamental present-day administrations are presented by many commercial banks.
E-banking Overview: Concepts, Challenges and Solutions
Electronic banking (e-banking) was born as a result of globalization, competition and rapid growth of IT systems. It has become the self-service delivery channel that allows banks to provide information and offer services to their customers with more convenience via several technology services like Internet and mobile phone [].This new technology was adopted by many organizations to enhance ...
Importance and Benefits of E-Banking
IMPORTANCE OF E-BANKING: E-banking provides many advantages for banks and customer's. E-banking has made life much easier and banking much faster for both customers and banks. Main advantages are as follows. It saves time spent in banks. It provides ways for international banking. It provides banking throughout the year 24/7 days from any ...
E Banking
Customer to Bank E Banking : Transaction btn customer and his bank. Using technology, customers can open accounts, deposit and withdraw money ( ATMs and CDMs)transfer funds etc. Majority of the e banking transactions fall under this category. 2. Bank to Bank E banking : Dealings btn two or more banks Only banks can access and use this track.
107 Banking Essay Topic Ideas & Examples
Published: Feb 01, 2024. Inside This Article. 107 Banking Essay Topic Ideas & Examples. Banking is a fundamental aspect of the modern economy, serving as the backbone of financial systems worldwide. As a result, there is a vast array of topics to explore within the field of banking. Whether you are a student looking for inspiration or a banking ...
(PDF) Digital Banking: Challenges, Emerging Technology Trends, and
Digital banking also plays a significant role as an enabler of cashless transactions in the economic crisis caused by the COVID-19 pandemic. The study investigates the challenges, technology, and ...
Importance Of Electronic Banking
The concept of e-banking is evolving day by day. Electronic banking services allow a bank customers and stakeholders to interact and transact with the bank seamlessly through a variety of channels such as internet, wireless devices, ATM, online banking etc. There are other services which are offered under e-banking they are electronic fund ...
Technology Used in E-banking and Its Functions
Debit Cards is another advanced technology of the electronic banking, now-a-days. These cards are the multi-purpose cards and can be used in ATMs for balance enquiry and cash withdrawal or can be used for easy shopping at various counters. Debit Cards ensure the automatic deduction of amount from the account just by scratching it on the machine.
What is e-banking?
WHAT IS E-BANKING? E-banking is the use of electronic methods to deliver traditional banking services such as taking deposits, making loans and clearing payments using any kind of E-channels, The effect of E-banking is to augment and facilitate existing bank activities and payment mechanisms, Primarily by making many transactions cheaper, faster, more secure and more convenient.
Prospects and Challenges in E-banking: A Perception Study
The study was conducted on "Prospects and Challenges of E-banking: A Perception Study." The study aims to know the customers' perception of E-banking. The expansion of information technology has led to a new form of banking. Based on the customer's physical presence, traditional banking is only a part of banking activities.
(PDF) E-Banking System Benefits and Issues
E-banking has emerged as a powerful tool to promote financial inclusion and bring banking services to the underserved and unbanked population in rural India. The advancement in technology and the ...
What Is Online Banking? Definition and How It Works
Online banking allows you to conduct financial transactions through a computer or smartphone using the internet. With online banking, you don't need to visit a branch to complete many ...
PDF University of Ghana the Impact of E-banking on Bank Performance: a Case
to determine t. jectiveswere to identify the e-banking services being provided by Ecobank Ghana Limited, examinethe effect of e-banking. on the performance of the bank, as well as identify possible challen. es of e-banking in the bank. The study found that the bank has implemented a variety o.
Essay on Internet Banking
In this essay we will discuss about Internet Banking. After reading this essay you will learn about: 1. Meaning of Internet Banking 2. Objectives and Drivers of Internet Banking 3. Trends in India 4. Facilities Available 5. Emerging Challenges 6. Main Concerns 7. Strategies to be Adopted by Indian Banks. Contents: Essay on the Meaning of Internet Banking Essay on the Objectives and Drivers of ...
E Banking: E-banking in India -Types of E-Banking and Importance
Types of e banking. Banks offer various types of services through electronic banking platforms. These are of three types: Level 1 - This is the basic level of service that banks offer through their websites. Through this service, the bank offers information about its products and services to customers. Further, some banks may receive and reply to queries through e-mail too.
Online Banking Service Practices and Its Impact on E-Customer
The e-SQ for the Internet banking service offered by Malaysia's commercial bank was ascertained using a modified version of the E-SERVQUAL instrument (Ariff et al., 2013). They discovered technical and functional aspects of a bank's website in ensuring the quality of e-SQ that leads to e-Satisfaction and e-Loyalty.
e Banking
Download this essay on e Banking and 90,000+ more example essays written by professionals and your peers.
Online Banking Essays (Examples)
View our collection of online banking essays. Find inspiration for topics, titles, outlines, & craft impactful online banking papers. Read our online banking papers today! ... (39). E-banking offers numerous benefits to banks, businesses, and customers.For instance, customers can access any service they want without visiting a banks branch ...
Banking Essay Topics
Overall, writing an essay on banking can be a valuable learning experience that helps students develop a deeper understanding of the industry and build important skills for their academic and professional careers. ... Online banking, also known as internet banking, e-banking or virtual banking, is an electronic payment system that enables ...
PDF E-Banking: An Empirical Study on Customer Satisfaction
commercial bank in June 2000 (UK Essays, 2018). Although electronic banking was introduced a couple of decades ago, the adoption of electronic banking is still at an average rate. According to the Malaysian Communications and Multimedia ... E-banking had provided a variety of services that eases the life of people by
350 Banking Essay Topic Ideas & Examples
JPMorgan Chase Bank: Ratio Analysis. The ratios are debt-to-equity, the interest coverage ratio, the equity ratio, and the debt-to-asset ratio. For the years 2017, 2018, 2019, and 2020, JPM had a fixed turnover ratio of 7. The 2008 Banking Crisis in the Documentary "Inside Job".
Literature Review About E Banking In India Finance Essay
In India almost 12% of the 38.5 million Internet users use E- banking and it Is expected to increase to 16 million, according to survey by lAMAI. (Prakash and Malik ,2008). In a survey carried out by Malhotra and Singh (2006) it was shown that 48% of the commercial banks in India offer e -banking.