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Abstract
Technologization banking is a recent phenomenon, which has occurred - at a faster or a slower pace, during the last thirty years. The entire banking industry is quite inert and prone to traditional and verified methods. However, the number of transactions in the banking industry has grown to unexpected proportions, so that traditional methods of processing transactions are no longer possible. The problem has grown to such an extent that it threatens the stability of the entire financial system. Because the U.S. Government, in mid-sixties, took measures for the automation of transactions, especially those that are performed frequently and at irregular intervals, as a result - it incurred the automatic clearing bank and a national electronic payment system such as CHIPS and Fedwire. These interbank systems offered operations for billing and payment that have been developed for large payments within the national borders, while other transactions - across the national boundaries - were based on earlier payments architecture. The need for automating transactions across national borders has led to the creation of an international banking payment system at large. Specifically, in the early seventies this was founded in Brussels, and a little later came with the IBOS and FNA. This, for some time, solved the problem of automation of transactions in the banking industry at large.
Keywords: banking, information systems, electronic payment systems, automation, maintenance, information
JEL Classification: M; M4; M41
1. Introduction
Electronic banking includes the provision of banking services through electronic communications, mainly Internet. This form allows banking to perform banking transactions over the Internet using personal computers, mobile phones or portable computers arc. Banks are by nature conservative institutions. Initially the banks were left aside, but the perception of both advantages and problems, they went first with only information, click on two way communications, and the third step and the transaction.
* Informative presentations are a one-way communication where the bank over the Internet represents only their existing or new, potential customers. Basically there are advertising characters. Most banks did this.
* Two way communication users and banks - through e-mail or an interactive service. These data are also marketing the character, but there is a possibility, along with user identification and authentication, that the bank can make available...