Finance系列（5）之E-Banking Systems

1. E-Banking
A new service delivery channel to deliver banking services. E-banking can mean the provision of information about a bank and its services via a home page on the world wide web.

1.1. Types of E-services
Account access
Balance transfer
Bill payment
Bill presentation
Mortgage/Credit card/Lending
Business banking services
Customer service and administration
Cross-selling
Personalized content
Accounts aggregation

1.2. Terminal usage control
Two-factor authentication (Something you know such as User ID, password + something banks know such as security token or mobile phone)

1.3. Advantages
Relatively lower delivery cost.
Higher sales.
Potential for offering greater convenience for customers.

1.4. Backend systems
银行后台支持系统 ，often named“Legacy systems”.

Problems associated with such systems: difficulties in integrating new systems, inflexibility in terms of expansion, rising costs of maintenance.

Solutions to solve these problems: Replacement, reengineer them, outsourcing.

1.5. Back-office system
Email systems
Instant messaging tools
Office automation tools
Job-oriented tools