Does the failure of ‘first e-bank’ show that e-bank can not succeed?
论文作者:51lunwen论文属性:硕士毕业论文 thesis登出时间:2006-09-15编辑:点击率:3362
论文字数:13086论文编号:org200609151408197730语种:英语 English地区:中国价格:$ 66
关键词:
Does the failure of ‘first e-bank’ show that e-bank can not succeed?
Customers still value direct contact with people in their bank branch. Most consumers shy away from E-banking. A vast majority of bank customers thinks that an on-line banking service is not important for their relationship with a bank. According to a survey by Deloitt Consulting (Erik, 2001), less than one third of customers rate e-banking as an important service and of those only 22% actually use it. Even more unwelcome news for many banks will be the poll finding that more than 30% of customers do not even know whether their bank provides on-line services at all.
Cutting cost, not customer care. Customers are certainly not rating the Internet or interactive services as a key factor in measuring their satisfaction with their banking service provider. A “responsive service” and the feeling of “being treated as a valued customer” are much more likely to make consumers feel happy with their bank.
While banks believe that 24-hour access is the key to successful banking, consumers favor responsive service and personal attention. Bank executives believe the importance of branches is declining; customers want to see them retained.
It is believed that financial institutions worry most about the new kids on the block, new entrants from outside the banking world that could threaten their market. However, most consumers show little interest in their offerings.
The problem is grossing so that many E-banks are facing the danger of closing down now. And the First-e the Internet bank has now closed its Internet Banking Channel in the UK. Some. Does the failure of ‘first e-bank’ show that e-bank cannot compete with traditional banks? The answer is no! In my
dissertation I will describe it as follow: In the introduction I will briefly talking about the article of the “first-e the internet bank has now closed it Internet banking channel in the UK” (https://www.ft.com, 2001) and the background if the First-e; I will show the
history of Internet Banking in Chapter 1; list the benefit of Internet Banking to organization, consumers and society in Chapter 2; define the financial service and Internet Banking in Chapter 3; of course, I will analyze the limitations of Internet Banking (technical limitations, non-technical limitation), management, security, technology and the basic operation and risk control in Chapter 4; and the challenge of the Internet Banking will be discussed in Chapter 5; finally is the conclusion.
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