Publication: Development of E-Banking standards in Azerbaijan and risk management: Case of international bank of Azerbaijan
Abstract
E-bankacılık terimi neredeyse telgraf ve Bilgisayar bilimi kadar eskidir. E-bankacılık’ı etkileyen tüm faktörleri avantaj ya da dezavantaj olarak genellemek doğru değildir. Bilgi Teknolojisinin gelişimi esasen modern insanın yaşam tarzını etkilemiştir. E-bankacılık, aracılığıyla bankacılık hizmetleri ve ürünleri elektronik kanallar vasıtasıyla sunulmasıdır. Şube dışında bankacılık işlemlerinin ilk adımı olan ATM'ler, genellikle alışveriş merkezlerinin yanında yer almaktadır. Mobil bankacılık dağıtım kanalı müşterilerine kablosuz cihazlar aracılığıyla internet sitesine erişerek işlemlerini yapmasına olanak sağlar. Son gelişmelerle bankacılık rekabet artmış, müşteri odaklı hizmet anlayışı oturaklaşmış, değişiklik için gereken hızlı adaptasyon yerleşmiş bir sektör haline geldi.
The term E-banking is almost as old as telegraph and older than Computer science. It is not accurate to generalize all the factors affecting E-banking as Advantage or Disadvantage. Development of the Information Technology has essentially affected the modern person’s life style. E-banking is the provision of banking services and products through electronic channels. ATMs, which are the first step of the banking operations moving out of the branch, are generally located next to the branch or in the shopping centers. Mobile banking is the distribution channel allowing customers make transactions by accessing internet site via wireless devices. With the latest improvements banking became a sector that increased competition, customer-centric service approach settled, fastest adaptation to the changes is required.
The term E-banking is almost as old as telegraph and older than Computer science. It is not accurate to generalize all the factors affecting E-banking as Advantage or Disadvantage. Development of the Information Technology has essentially affected the modern person’s life style. E-banking is the provision of banking services and products through electronic channels. ATMs, which are the first step of the banking operations moving out of the branch, are generally located next to the branch or in the shopping centers. Mobile banking is the distribution channel allowing customers make transactions by accessing internet site via wireless devices. With the latest improvements banking became a sector that increased competition, customer-centric service approach settled, fastest adaptation to the changes is required.