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Online Banking in Britain, 2000.
A discussion of online banking in Britain, its problems as well as its advantages and security.
1,881 words (approx. 7.5 pages), 10 sources, MLA, $ 60.95
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Abstract
This paper is a personal research project about online banking in the United Kingdom. It describes its history, how it works, security issues and its advantages and it introduces online banking facilities. It provides an appendix summarizing the services of each of the main British banks.
Table of Contents
What is online banking?
How online banking works
The security of online banking
The advantages of online banking
The disadvantages of online banking
Prediction of the prospects of online banking.
From the Paper
"The online banking will be a step to a new stage in the future. By that time, the banks will definitely offering more attractive services online and the competition of online banking will be complicated because more banks will have online banking services. Another progression is the development of wireless banking such as Digital TV and Mobile banking or so called WAP (Wireless Application Protocol). Nowadays, mobile phones are used everywhere, and many leading telecom companies and software companies have joined the WAP forum. Such as Nokia, Ericsson and Motorola."
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Online Banking and Security, 2005.
A discussion about internet security and the relative risks involved in online banking.
3,024 words (approx. 12.1 pages), 13 sources, MLA, $ 88.95
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Abstract
The literature presented in this paper shows that the online banking service is vulnerable to attacks from Internet-savvy hackers and thieves. The paper argues that it is not totally safe to perform online banking and bases this opinion on the facts as presented in the body of literature available. It explains that the most important thing a customer can do - and banks can do - is stay informed and utilize cutting edge security systems, including virus scans and virus removers. Another important thing a customer should do is make sure that he or she is protected against financial loss, in particular if the bank is responsible for the breach in security. It concludes that if a bank refuses to offer written contractual assurance against Internet theft as a result of flaws in its server or other technologies, a customer would be wise to change banks.
Security on the Web - What are the Key Issues for Major Banks?
Abstract
Introduction
The Internet's History
Online Banking: The Problems, the Concerns, and the Possible Solutions
Cyber Corruption
Conclusion
From the Paper
"The age of digital technology - email, Web-driven high-speed communication and information, online commerce, and more - has been in place now for several years, and has been touted as a "revolutionary" technological breakthrough, and for good reason: This technology presents enormous new business opportunities. For example, by moving the key element of marketing and sales from local and regional strategies onto the global stage, and by providing dramatically improved customer convenience, the Web offers medium, small and large companies - including banks - unlimited growth potential."
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Online Banking, 2006.
An examination of the current and future potential growth of the online banking industry.
2,311 words (approx. 9.2 pages), 4 sources, MLA, $ 71.95
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Abstract
In this paper the author looks at the huge potential of online banking as a result of the Y2K scare.He focuses on how there will be a tremendous shift in the economic ramifications of this industry within the space of a very short span of time .Finally the paper concludes with the tremendous growth of the online banking industry and how it is also helping, not hindering, employment.
From the Paper
"Keep in mind these are just a few of the bare minimum rules and regulations banking and other financial institutions are pledged to uphold. Before entering into any online banking relationship with any bank you choose be absolutely certain you study and completely understand all the fine print of any contractual agreement entered into. If one is uncertain of the language legal help should be sought, outside the banking institution so that you do understand."
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Online Banking, 2002.
A look at the pros and cons of online banking over the Internet.
650 words (approx. 2.6 pages), 6 sources, $ 26.95
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Abstract
This paper is written on online banking considering advantages and disadvantages. The advent of the Internet has been revolutionary, and has affected an array of human activities ranging from shopping, banking, and booking holidays, to data collection, information distribution and communication.
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Managing Change in an Online Banking Overhaul, 2006.
An outline of how bank management can manage change, streamline costs, integrate information systems, and improve performance relative to the entry of non-bank institutions such as Walmart, UPS, and ING.
1,575 words (approx. 6.3 pages), 6 sources, $ 62.95
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Abstract
This paper describes an integrated process of project management, operations management, and information management to plan and execute an online banking overhaul for a (fictional) Sun Valley Bank. Each type of business management is outlined step-by-step, and suggestions are made for how each ties into the other in order to improve company performance.
From the Paper
"With the proliferation of today's consumer and business financial needs, coupled with available technology solutions, easing of regulatory constraints, and willingness of new players to enter the marketplace, banks face more competition than ever from financial product providers that traditionally were not significant players in the banking industry (Bitler, Robb, and Wolken, 2001, p. 184)."
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Online Banking and Bill Payment, 2005.
Examines three different forms of monetary exchange over the internet.
2,723 words (approx. 10.9 pages), 5 sources, APA, $ 81.95
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Abstract
Internet marketing not only plays a substantial role in the exchange of goods and services but now, more than ever, the exchange of money has become a marketable aspect of this new and growing market. Three methods of exchange are of interest to this research and also to consumers and marketing professionals. This work addresses PayPal, the RBC (Royal Bank) and also takes a broader look at the alternative exchange systems of credit card transaction processing. In these three methods there are clear indications of change in both demand and reliability.
From the Paper
"The debate of the nature of online banking as a classification of a stand alone service or an extension of services is a deep one, as many individuals and corporations become more and more aware of the options associated with the changes in banking over the last twenty years. For most companies and individuals, online banking is an extension of the services already provided by their existing bank and yet consumers are also repeatedly being asked to review competitors through services only available online."
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Impact of E-Banking on the Banking Industry, 2006.
An in-depth analysis of individual commercial banks and how they service their customers.
13,765 words (approx. 55.1 pages), 31 sources, APA, $ 249.95
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Abstract
This paper discusses individual commercial banks and how they service their customers. It analyzes the quality of banking services that a customer gets and how the services are provided to the customer. It describes the three main channels for banking today - through branches, through the internet and on telephone.
Table of Contents:
Introduction
Chapter I
How Internet Banking Has Grown In The Last Decades, Especially Regarding New Product Being Offered
Evolution of Internet Banking
Present Status and Profile of E-Banking Offered By Banks
Nature of Product Offered
Chapter II
The Operations of Banks In Different Areas: What Is The Contribution?
Effects of E-Banking on Banking Operations: What Is The Contribution of Internet Banking Toward The Business?
Chapter III
General Benefits of Banks From E-Business and Other Communication
Performance Measurement
Chapter IV
Reality of System Risks and Control
Conclusion
From the Paper
"To understand the relationship that can develop between the Internet and banks, one has to first understand the nature of both these items. The first to be understood is the banks. So far as banks are concerned, at the beginning of the twenty-first century, central banking which is the source of all banking activity would appear to be at a crossroads in their future. Earlier it was the lender of last resort, active participant in stabilizing economic fluctuations, and now the present main function is being the guardian of price stability. As it is still the monetary authority, much is expected from them. At one stage, fiscal policy was considered to be the main instrument of economic policy, the situation changed to an ascendancy of monetary policy and that was noted by the late 1980s in most parts of the industrialized world. This had a lot of implications for the role of the central bank."
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Privacy and Automated Banking, 2006.
A paper on internet privacy and automated online banking.
3,741 words (approx. 15.0 pages), 7 sources, APA, $ 103.95
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Abstract
This paper describes the privacy issues inherent in online banking, as well as practices in live banking. The paper describes the problems of online privacy and explains how certain practices, such as fingerprinting, have cut both bank fraud and more serious crimes. The author contends that because there are inherent risks to customer privacy, it is essential that there be a single standard for bank security and reporting to federal agencies.
From the Paper
"So indeed, why should bankers be turned into federal snoops? The proposal is supposed to attack money-laundering techniques employed by drug traffickers and other criminals who hide illegal profits. Such methods include wire transfers, bank drafts and "smurfing," the practice of cutting transactions into lesser amounts that don't have to be reported as suspicious under the $10,000 bank-reporting laws established under President Reagan. (Maier, 1999)"
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Net Banking, 2005.
An overview of online banking, which allows customers to operate a host of banking services from a personal computer.
1,658 words (approx. 6.6 pages), 6 sources, MLA, $ 53.95
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Abstract
With the advent of the Internet and global connectivity, net banking is becoming increasingly popular all over the world. This paper discusses the nitty-gritty of net banking, the evolution, the merits and advantages of online banking, and also the disadvantages and limitations of this 20th century development.
From the Paper
"Banks see their online banking services as a means of customer retention and cost saving. From a customer perspective, online banking is convenient and provides savings in both time and costs. This is due to banking being accessible 24/7 from the home or office, the need for visits to the physical branch is reduced and banks passing their reduced costs to the customer in the form of lower fees and higher interest rates. However, Online banks must provide a service that is user-friendly and should instill trust in customers that the level of security provided will protect their transactions and personal information. Online banks face the challenges of ensuring that their security and privacy measures keep up with the rapid developments in technology. Also, it is important that banks integrate their online services as an extension of the existing services through their brick-and-mortar branches."
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Europe's Emerging Banks and the U.S. Banking History, 2002.
This paper analyzes the banking industry in the United States from the mid-18th through mid-19th century in order to understand the evolution of the banking industry in Europe's developing economies in the 20th century.
2,480 words (approx. 9.9 pages), 6 sources, APA, $ 75.95
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Abstract
This paper presents four potential dangers to banks in emerging markets and relates them to the lessons of the founding banking system of the United States: Macroeconomic volatility, connected lending, political involvement and financial liberalization. This paper discusses that the emerging banking industries in Eastern Europe must learn to operate in an objective environment free from burdensome and often disastrous government control; just as, the ever-present tension in the United States between government policy and banking policy ensured the banking industry's objectivity. This paper argues that the primary cause of the banking crisis in Eastern Europe was the banks' decision to allow financiers with little experience and even less capital to set up their own banks.
Table of Contents
Introduction
European Economies and the Evolution of the U.S. Banking Industry
Macroeconomic Volatility
Connected Lending
Government Involvement
Financial Liberalization
Conclusion
From the Paper
"The insistence by the American chief executive in the mid 18th to mid 19th century to keep separate government policy from banking policy has not been demonstrated in the communist economies of Eastern Europe. The second major crisis factor for these economies has been connected (or insider) lending, particularly in Russia. Though not unheard of in rich countries, connected lending is a more serious problem in emerging countries, where supervisors are less rigorous about rooting it out. The Economist maintains that connected lending has recently caused serious problems where unscrupulous businessmen have found it easy to set up banks simply to finance their other companies' pet projects. Thus, at many Russian banks, the personal ambitions of owners and managers still come before the prudent assessment of lending risks. Loans to related companies are rarely made on an arm's length basis and tend to be granted at below-market rates, with scant credit vetting."
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E-Banking, 2004.
An analysis of the risks of e-banking.
770 words (approx. 3.1 pages), 6 sources, MLA, $ 27.95
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Abstract
This paper examines the extra risk involved in online banking over the traditional brick-and-mortar channel. The paper presents several examples of breaches of security concerning on-line banking. The paper contends that ultimately banks will have to determine if the benefits outweigh the negatives and will have to continue to innovate security measures to make online banking safer.
From the Paper
"Security is one of the major concerns of online banking and has not been completely addressed. Growth in complaints about electronic funds transfer fraud has already doubled since 2002 even as banks have gotten more security savvy (Sullivan, 2005). The risk for banks is great, stemming from investments in a banking channel that could see negative growth as fraud proliferates and the possibility of increased liability, not just for their own security breaches, but for issues of their customers as well depending on the outcome of recently filed lawsuits."
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Islamic Banking - Religion as an Excuse, 2006.
This paper explains the differences between Islamic banking and conventional banking. It argues politically, as opposed to economically, that both systems are the same.
3,225 words (approx. 12.9 pages), 17 sources, APA, $ 92.95
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Abstract
The writer explains that the emergence of Islamic banking is an example of how religion has become subservient to economic needs, and more specifically, how Islam has become subservient to capitalism. The paper explains that although advocates claim that Islamic banking is distinctive from interest rate banking, such methods are merely window dressing - a way for the banks to legitimize themselves. The writer explains that in Shariah, Islamic law, people are prohibited from charging and receiving interest. The paper draws parallels between conventional banking systems and the new modes of so-called interest-free banking. The paper states that Islamic banks have been mimicking conventional banks, pushing for short-term, low-risk investments that are similar in quantity and risk to those obtained by other conventional banks. The writer explains that the methods used to evade interest prohibition include mislabeling interest under the false pretense of administrative costs and delegating puppet banks to alleviate responsibility from Islamic institutions. The writer challenges the advocates of this system who claim that it is Shariah-compliant. In summation, the writer states that it is evident that in the current Islamic system, Islamic beliefs have taken a second place to the capitalist system. Table of Contents: Introduction Lack of Sources for Islamic Banking Same Method, Different Name Murabaha is Not Profit Sharing Using Puppet Banks The Ulama Power Vacuum Advocates Conclusion Bibliography
From the Paper
"During the 80s, Muslim countries such as Sudan, Iran and Pakistan underwent the growth of Islamic banking due to an oil boom and the need for Muslim communities to establish a unique economic presence in the new international economic order (Pipes, 1982:45; cf. ICO: 1982). By 1995, 144 public and private banking institutions had been established claiming to practice a??Islamic bankinga?? (Shaik, 1997:118). However, this paper will argue that Islamic banking is conventional banking in disguise. Islamists have merely used the former to bypass religious restrictions to meet their capitalistic needs in a manner that is compliant, and sometimes even not compliant, to interpretations of the Shariah. Such assertions can be supported by examining characteristics of the current Islamic banking system. Nazih N. Ayubi has written about religion being subservient to the state. In this particular case, the evolution of Islamic banking has become an example of Islam being subservient to capitalism."
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Islamic Banking, 2002.
This study investigates the feasibility of introducing Islamic banking as an alternative system of banking in the United States, but not as a replacement for the existing system of banking in this country.
7,325 words (approx. 29.3 pages), 32 sources, MLA, $ 162.95
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Abstract
The purpose of this study is to examine and assess the issues involved in any effort to implement Islamic banking as an alternative system of banking in the United States. The study pursues this purpose through the investigation of the following research questions: 1. Is it probable that Islamic banking and interest-based banking can co-exist within the economic structure of the United States? 2. Is the potential market for Islamic banking in the United States sufficiently large to make Islamic banking feasible in American society? 3. What laws, state and federal, require change to permit Islamic banking to operate in the United States?
Chapter 1
Introduction
Statement of the problem
Purpose of the Study
Key Factors for Investigation
Background on the Problem
Approach to the Investigation
Overview of the Study
Chapter 2
Literature Review
The Crucial Role of Interest
The Development of Banking Systems
Sources & Uses of Funds in Islamic Banking
Chapter 3
Method
References
From the Paper
"Islamic economics has two principal components. The first component is a constant set of principles derived from the Qu'aran, which are the economic principles governing all Islamic activity, and which are unchanging. The second component is a flexible set of principles also derived from the Qu'aran, but which may be adapted to environment, time, or place, while remaining within the boundaries of the unchanging principles (El Araby, 1997). In Islam, any enterprise ? economic or otherwise ? may be an act of devotion, if entered into with the correct intentions. The welfare of the whole of the human race according to the will of God is the ultimate goal of all Islamic economic activity. The social responsibilities of business organizations are part of the moral obligations of the individuals operating such organizations in an Islamic society (El Araby, 1997). All economic systems are concerned with the relationship between the public and private sectors. In capitalist systems, the emphasis is on the private sector, although the degree of such emphasis varies between countries. One result of this capitalist emphasis is the cyclical recurrence of significant problems ? inflation, unemployment, and recession, while a second result is an increasing concentration of productive capacity ownership into a relatively few private hands. Islamic economics assumes that no conflict exists or will develop between the public and private sectors, and that each sector works for the greater good of society. The applications of the principles of any system ? capitalist or Islamic ? are usually less than perfect. Therefore, conflicts do occur within Islamic economic systems; however, in Islam, the settlement of such conflicts is according to the criterion of the greater societal good, as opposed to settlement on an ideological basis of property ownership, political imperative or agenda, or similar factors that is often true in capitalist economies."
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The Pakistani Banking Industry, 2006.
This in-depth paper a provides a benchmark pertaining to the careers of bank managers in Pakistan, while also delving into the banking industry in the Islamic run country.
21,538 words (approx. 86.2 pages), 33 sources, MLA, $ 249.95
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Abstract
This well-researched paper examines Pakistan's evolving and constantly developing banking industry from the 1940s and up the present. The writer of this paper supplies in-depth insight into the pressures as well as the numerous financial and cultural demands and expectations currently facing bank managers in both the private and public banking sectors. This paper analyzes Pakistan's political history and its resulting impact on the country's banking industry. The writer of this paper delves into Pakistan's socio-political culture which greatly affects the vision, goals and leadership style of the country's bank managers. This paper also contains various financial tables, lists and illustrated graphs pertaining to this particular topic.
Table of Contents:
Abstract
Introduction
Political and Financial History Intertwined
Effect on Pakistani Bank Managers
Cautionary Tales
The Opposite Side of the Coin
Pakistani Banking Structure
Pakistani Banking: Recent Past
Upsetting Events in Pakistan's Banking History vis-a'-vis Managers
The Best Bank
Other Banks
Challenges for Managers in the Banking Industry
Current Initiatives
Literature Review
Summary
Statement of Research Question
Methodology
Findings
Manager One: NBP Managers
Manager Two: New Hire from Lahore Business School
Manager Three: Year 2000 Graduate of a Business College in Germany
Manager Four: Islamic Bank Manager
Manager Five: Graduate of Irish Business College
Manager Six: Recently Promoted Manager at a Local Branch in the Capital
Manager Seven: Human Resources Manager at the Islamic Bank
Manager Eight: Temporary Branch Manager in Small Town
Manager Nine: Former Bank Employee, Government Bank
Manager Ten: Graduate of Lahore Business College (2)
Bank Manager Career Themes
Discussion
Conclusion
Appendix A: Islamic Modes of Financing
Appendix B: Recent Listing of Banks Operating in Pakistan
Appendix C: Questions for Bank Manager Interviews and Process
Appendix D: Recommendations by Mehmood-Ul-Hassan Khan
References
From the Paper
"The best way to determine what the future might hold is to understand the past and the present, and add to that the changes seen by experts on the horizon. Therefore, constructing the history of Pakistani banking forms a major part of the current research; outlining contemporaneous changes and decisions regarding Pakistani banking made by its most senior officials is also important to understanding the influences on bank manager career tracks and attitudes. In addition, an extensive literature review of those factors that generally contribute t manager career orientation in any business will help understand the Pakistani bank managers' positions. Interviews with at least a few current Pakistani bank managers will display the attitudes they currently hold, and provide insight into what they expect in the future and what would make them more or less career-oriented."
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Banking Technology, 2004.
An analysis of technological advances in the banking world.
792 words (approx. 3.2 pages), 7 sources, MLA, $ 28.95
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Abstract
This paper states that technology is noted for increasing the overall efficiency of any business and banking is no exception. The paper focuses on more recent technological advances in banking-- digitization, on-line banking and systems integration for one-to-one marketing. The paper contends that these applications have dramatically altered the overall cost structure of banks and have completely transformed the way they now conduct business.
Outline
Introduction
Digitization
Online Banking
Customer Relationship Management
Conclusion
From the Paper
"Up until the late 1990s, institutions focused their technology strategies on the front end of the business. Data access in the back office continued to be mired in a myriad of costly manual business processes (Walker, 2005). Increasingly, digitization is being used to facilitate end-to-end process automation. Digitization formalizes, through technology, the business processes, content and associated metadata required for efficient business operations. It leverages a services-oriented architecture to create a more nimble business infrastructure that provides critical linkages, among the customer, the back office and emerging technologies. Gartner Dataquest forecasts double-digit licensing growth over the next four years for digitization tools such as content and document management and collaboration software because financial institutions are beginning to recognize the need to bring better cost control standardization, consistency and measurement to their business processes."
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