electro banking

Electronic banking Introduction: With the growing e-commerce operations of large Osubhctaaj to the quality of new non-traditional banks exceed the performance pattern Alaotaiadiola adhere to a certain place or a certain time, and as a result of accelerated growth for the technology Alaalamwalatsal electronic banking, which contributed effectively in providing a variety of services, and the costs of low short time and the place came. Banks E broad sense is not Mejrdefra Bank based provides only financial services, but financial position commercially and administratively, and A_i_araachamla, his independent existence on the line are hired to do the services, or Tsoehalamaamlat, or complete transactions on auction sites which represents the most important challenge in Medanabannok E , strong competition among commercial banks and financial institutions show, large and small, according Banalmassat and so customers will comparison between Abannochoakhttiar the most appropriate service. Within this context, our research highlights the problematic Vialtasaalat the following: - E Malmqsod banks? What are the electronic banking operations? - Wim is the electronic payment systems? - What benefits it brings electronic banking? In order to answer the questions raised Qmnabesaagh research plan FOLLOWS: First topic: what Albnukalaketronah First: the concept Albnukalaketronah and patterns. Second, the benefits of electronic banking. Third: a comparison between the electronic Abannokaltkulaidah banks. The second topic: the electronic banking mechanism First: the importance of success factors and electronic banking. Second: the electronic payment methods - Almzayawalajub- Third, electronic banking services and Almkhataralmassahabh her. First topic: the nature of electronic banking Banking arena witnessed during the decade in great Alojerhtusaa banking technology of the most prominent manifestations spread Alaketronahalta banks are newly different direction from traditional banks to achieve many of the benefits. First, the concept of electronic banking and patterns: 1. Definition of the historic banks Alaketronahottorha: There are many terms that calling Abannokalmttorh such as electronic banking "Electronic Banking" or online "InternetBanking" banks for electronic banking or after "Remote Electronic Banking" or Domestic Bank "Home Banking" or bank on-line "Online Banking" Oualbnuk self-service " Self Service Banking "Oobnok Web" Web Banking "(1), and the difference Almstalhatfjmaaha refers to the customer to manage his accounts or the completion of work related to the Bank Abbarhbkh online, whether at home or office and at any place and time they desire and expressed" financial service from a distance. " Can and therefore the customer Onatsal Bank directly General jointly through the Internet and conduct of the various transactions Alyosas that the bank provides personal computer (pc) for the client Albermjiatalc_khasah package PME Personal Financial Management for a fee or for free, such as package (Microsoft'sMoney) and package (Ntuits Quiken) and package (Meca's Managing your money). What is meant by permission Bachirvhalaketronah is conducting banking operations in electronic form, which is the Internet Ohmohcalha, and so it is a virtual banks have set up online auction sites for the same bank Tkadimkhaddmat site of pull and push and transfer services to the client without transmission. And the emergence of Chirvhalaketronah back to the early eighties to coincide with the emergence of e-cash, while Asthaddambataqat was with the beginning of the last century in France in the form of cardboard cards used public Fayalaatv, cards metal used on the mail level in Altdpalammerikip States. In 1958 American Express released a Oobataqh plastic spread on a large scale, then the then eight banks issuing cards "" Bank Americard in 1968 to turn into Visa's global network, it has been issued in the same year Blue Card Carte Bleue "" from a party of six French banks. In 1986, the France Telecom France Telecom "" provide public phones with Garihlbataqat memory (Cartes à mémoire) to become 1992 all bank cards cards Barghotij Cartes à puce) carrying personal data bearer. During the mid-nineties the first letter appeared in the Bank of America Alolayataltdh distinguishes between two types of banks both used Chirvhalaketronah Technology: o Albnukalafteradih (Internet banks) make a profit of up to six times the normal bank. o Ground banks: the banks that exercise Alkhaddmataltkulaidah and electronic banking services. And generally due emergence and spread of electronic banking to two main factors: (2) ü growing importance and the role of mediation by the increasing monetary and fiscal Hrkihaltdvqat either in the field or the field of trade and investment resulting from the globalization of markets. ü Ttoralamalomatah and information and communication technology, or what is known as "technological shock", which was often the first response to the worker. 2. Electronic Onmatalibnuk: According to global studies Othbtaaton There are three basic images of the banks on the Internet are: w First: Location informational Informational: a basic level and minimum Nchatalaketrona banking, and this site allows the bank to provide information about its programs and bank Mentjathukhaddmath. w II: Site communication Communicative: This site allows communication exchange between the bank and customers such as Albraidalaketrona process, mobilize requests or models on the line, and amend the restrictions and account information, inquiries. w III: interactive website: Trançactional and through which that Abannkinsatath practiced in an electronic environment, as the customer can do most transactions electronically Mnsdd bills, and management of cash flows, and conduct all the services Alastalamahsoa inside or outside the bank. Second, the benefits of electronic banking Alaketronahvi banks provide excellent services unique from other conventional banks to meet the needs Abrilalmsrvi which achieves the bank's many advantages of competition from other banks, and Fimaelitodih to distinguish the areas of electronic banking: (3) 1. Access to Hadhousa of customers: Banks characterized Alaketronahbakdrtha access to a broad base of customers without being bound by place or a certain time, and allow them to apply for the service at any time and the length of the days of the week, which Aovralrahh for the client, as well as the confidentiality of transactions that characterize these banks increase Thaghalamlae them. 2. Provide Kamilhojdidh banking services: Electronic banking Kavhalkhaddmat traditional banks offer, and alongside more sophisticated online services such as excellence traditional Analoda: (4) × simple form of electronic fliers Analkhaddmat banking. × supply customers in a way to make sure of their assets at the bank. × provide a way for customers to pay bills of exchange drawn Alehmaketronya. × how financial portfolio management (of shares and bonds) to customers. × money different customer Bamahsabat conversion method. 3-cutting costs: The most important characteristic of electronic banking Ontekalev offering low service compared to regular banks, and therefore reduce the Altklvhothasin their quality is the client-pull factors, in particular discretionary study Alkhaddmatalmekdmh cost through different channels show that the cost of providing service through the bank branch up to 295 units, while less if it provided through the Internet at a cost of 4 units, up Alytklvh one through ATMs. 4. Increase the efficiency of electronic banking: With the breadth of the Internet and the speed of doing business Anabannok traditional Alatsalbalpennek become easy for the customer over the Internet that carries out actions that end in small parts per Mnadakkiqh true performance and efficiently than if the client go to the bank's headquarters Chksiaokabl one of his employees who are usually preoccupied with him. 5. Card services: Tovralbnuk E excellent services to business and customers with a level Almmermoukmthel Samba Services diamond and gold specific Almekdmhlvih from customers in the form of credit cards and a discount special, and these cards Btaqhsona which enables the client to use in more than 18 million of the greatest places, _imlaly free services around the clock number Specifically, business service centers, exemption from Rsomoamolat banking services, in addition to many other special services. (5) Overall electronic banking allows Ousamtaaji the options and more freedom in the choice and quality of services, but the challenge Alokipritmahor about how effective these banking in earning the trust of customers, which requires Almsrvataufer base of data for the performance of services with high efficiency.