Development Of E

New banking services are not supposed to be substitutions for traditional types of banking transactions. However, there are many advantages to IT-based services, since they can enhance the quality of services and decrease delivery costs (González et al. 2008). Moreover, due to all of these advantages, and despite the trust issues in applying innovative electronic channels, there has been growth in the number of e-banking users . Compared to several years ago, when the people living in Macedonia had to go directly to the banks to perform financial transactions, today there is a widely functional e-banking system. Macedonian banks today offer conventional e-banking services, electronic products including debit/credit cards and e-trading and contemporary electronic services like internet banking and online investing.

In the country, several factors significantly influence the level of adoption and usage of e-banking services, such as age, level of education and complexity of the e-banking services offered by banks. Naturally, elderly clients use e-banking services less than younger people. In addition, the level of education has a significant influence on the level of usage, meaning that the higher the education level, the more likely is for the citizen to use e-banking services. As for the satisfaction, citizens are generally more satisfied with the e-banking services offered by various banks when they have a diverse portfolio of services and offer fast and simple completion of transactions. In this study, we outlined how the development of e-banking platforms may affect increasing banks’ market share, and addressed this issue by analyzing data collected from 154 experts at branches of Shahr bank in Tehran, Iran. Based on rankings published by the Central Bank of the Islamic Republic of Iran,Footnote 1 Shahr bank is the most innovation-driven bank in the Iranian banking industry, and therefore it was the best environment for performing this research.

Your Products Across Banks In Greece And Abroad

However, the proposed technique only uses text-based features and could be improved if more features were added and the parameters were optimised for more precision. These observations will form the basis of our proposed intelligent phishing detecting scheme. At Bank of America, for example, it took 10 years to acquire 2 million e-banking customers.

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Check your account balances and transaction history and if you don’t recognise a transaction, there's an option to get more information or dispute a transaction. T give any of your personal confidential credentials like PAN, Date of Birth, Account Number, Debit or Credit Card Number & its Expiry Date, Father/Mother? S Name, User ID, Password, PIN, CVV, OTP etc.upon receiving the Phishing, Vishing or Smishing. Your transactions are carried out within a secure electronic environment with advanced Firewall and encryption protocol.

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Although we have taken care to ensure that the content provided on the communication system is accurate and that you suffer no loss or damage as a result of you using it, the communication system and electronic banking are provided “as is”. You permit us to issue notices required in terms of this agreement, legislation or regulation by making such notification available via our communication systems or sending such notification by email, fax or similar future technologies. Any notices so issued by us, will as far as they contain contractual terms relating to electronic banking, also form part of this agreement.

Thus, we hypothesized how the development of these innovative channels of e-banking services can affect a bank’s market share. The study also provides insight into how POS terminal development may influence the fate of a bank. The results illustrated that developing POS terminals would result in bank market share growth. The results did not support the effect of mobile banking and ATM development on banks’ market share growth. This outcome contradicts Schierholz and Laukkanen’s finding that mobile banking can improve service quality, customer convenience, and consequently, market share. It also conflicts with Thakur’s exposition about the relationship between mobile banking and customer loyalty and market share.