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E-Banking

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

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E-Banking

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  1. E-Banking Damian Sztuk, Jakub Mazur, Boris Moroseac

  2. Business model of conducting banking activity on 5 pillars: 1. remote B2C communication (branchless) 2. full integration in banking structure 3. paperless services 4. cashlesspayments 5. customer-basedinteractions E-banking – concept and fundamentals Computer networks

  3. The less you can see the bank, the more important it is … Computer networks

  4. From analogue to networked digital Computer networks

  5. Erosion of bank information asymmetry Computer networks

  6. Raising power of Web communities Computer networks

  7. Direct sources of bank innovations Damian Sztuk

  8. Desktop Internet banking is over … Computer networks

  9. Mobile Internet banking is future … Computer networks

  10. Mobile Internet banking – first phaseof J. Schumpet innovation cycle Computer networks

  11. New paradigm of banking services Computer networks

  12. Creativedestruction- J.Schrumpeter Computer networks

  13. J.Schrumpeter- innovationdimensions • New functionality- existing systems but newsolutions • New distributionchannels- pure technology progress • New market- creating and meetingneeds • New business activity- integratingareas of activity • New market structure- changing role of leadingcompanies Computer networks

  14. J.Schrumpeter- creativedestruction Computer networks

  15. New functionality Computer networks

  16. New distribution chanels Computer networks

  17. New market Computer networks

  18. Core-capabilities of e-banking • Integratingphysical and virtualchannels • New IT-infrastructure • Enchasingtransactioncontent • Conveyingvaluepropositions • Deliveringdifferentiated services • Managingcustomerrelationships • Positioninginattractivesite Computer networks

  19. Triggers for e-banking adoptionin EU Computer networks

  20. Distributionchannels Computer networks

  21. 4 clusters of on-line banking adoption Computer networks

  22. Growth dynamic Computer networks

  23. Infrastructuretriggers Computer networks

  24. Professional activity Computer networks

  25. Web 2.0 Computer networks

  26. Behavioralfactors Computer networks

  27. Passiveinteraction Computer networks

  28. Prosumer – on-line consumer professional consumer Computer networks

  29. “Progressive Consumer” Computer networks

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

  31. Preferences when conducting research on banking products and services Computer networks

  32. Most influential sources in selecting banking services Computer networks

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

  34. Internet banking I Stage: source of information II Stage: distribution channel III Stage: I-banking WEB 1.0 IV stage: I-banking WEB 2.0 Computer networks

  35. Theend Computer networks

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