banking electronic success

. banking electronic success factors: The establishment of a system of Asirvhalaketronah requires commitment to a set of factors which serves as the bases for action-mail and which is following are: v there is a broad network of all relevant actors, and Internet connected in accordance with standard foundations taking into account the insurance in the design of the network. (7) v Plans and to begin the introduction of electronic banking services, the beginning of a strategy on the central Drafting a regulation or country or international alliances. v standard regulations allow linking the various actors and the world as a whole. v Prepare a plan for the training of human resources. v working for create an administrative organization works on coordination between the Contracting Parties. Second: means Aldfalaketronah - advantages and disadvantages - It means electronic payment evolved with the proliferation of electronic Amilitaltjarh, intended Order-mail as tools and Althoilatalketronah issued by banks and institutions as a means of payment collection, and is in Batacatalpennekah, electronic cash, electronic checks, and smart cards. 1. bank cards: or plastic cards, a magnetic card holder can be used to buy most of its Oooda compared to what it gets from the services without the need to carry large sums of money may be exposed to Mkhataralsergh or loss or destruction. (Cool And electronic payment methods are divided into three types: (A) payment cards: issued by banks or international credit card based on the existence of actual balances for the customer in the form of current accounts correspond to the expected him withdrawals. (B) Credit cards: They are the cards that within the limits of certain amounts, enables the holder to purchase from the immediate needs Agelgaymtha with pay, with interest calculated on the city account statement value, which exceeded the client month. T Monthly exchange cards: These cards vary Anbataqat credit being paid in full by the client of the bank during the month in which Tmvih clouds (ie credit in this card does not exceed a month). Issued bank cards of global organizations, financial and trade institutions, including: · Visa Visa internationale: is the largest international company in the issuance of credit cards, the inception dates back to 1958 when it issued a Omricabataqat blue, white and gold Bank. · Master Card Master carde internationale: is the second largest international company in the issuance of card credit, based in the United States, their cards are accepted by more than 9.4 million outlets, used for the settlement of transactions amounted to more than $ 200 million. · AmericanExpress: Major financial institutions are institutions that issue credit cards directly without issuing any bank license, issued bycredit card: ü Green Express: given to customers with solvency Almalahalah. ü golden Express: characterized by non-specific facilities Alsagvalaitmana, given to customers with high net worth. ü Diamond Express: issued to holders after making sure financial Manalmlaeh, and not necessarily that opens the account holders have. · the world's leading credit cards, despite the small number of its cards campaign but Onhahakguet earnings reached $ 16 million, issued a variety of cards such as: ü exchange bank cards to all clients. ü business cards for business. ü cooperation with major companies such as airlines cards. 2. Electronic money: After you receive Batacatalpennekah appeared "electronic money" or "digital cash" which is a non-tangible money take a picture of electronic units stored in place Amnaly hard disk to your computer the customer is known as electronic wallet, and the client can use this portfolio in to carry out the sale or purchase or conversion. (9) And it can be the embodiment of the electronic cash Faisorten: o electronic cash holder Le porte- monnaie électronique: Ihtoaaly store cash reserve in the card allows payment for small purchases. o default Monetary La monnaie virtuelle: a program that lets make payment via Hbcatalanturnt. 3. E-checks: It is like the traditional check-based idea Alhitalketrona on the existence of a broker to complete the clearance process and of destination clearance (Bank), which shares has the seller and the buyer through the opening of a current account your their balance Mathdid electronic signature for each of them and recorded in the database with the Abannkalaketrona ( 10), from banks that adopt the idea of ​​e-check Bnkpostun, Citibank. 4. Smart cards: in line with technological developments Batacatalzkih Smart Cards, which is a plastic card containing Khalihaketronah is by storing all data bearer, such as name, address, issuing bank, exchange method, the amount disbursed and its history, and the history of banking customer life emerged. ( 11) The give the card of new cards allows the customer to choose how to deal whether credit immediate Oodf, which makes it a global card is used widely in most Ataloorobih and American, are examples of smart cards Almndquis card "Mondex Card" that have been put forward for clients of banks and provide them the advantages recall including: (12) ý can be used for credit-card or discount to the desire of the customer card. ý easily manage bank so that the client can not be more than banking elactronic blogger on the electronic chip of the card balance. to the presence of a court security controls in this type of cards with from the card balance to another card balance through self-drainage or regular or mobile machines. clouds current account of the balance of the bank and add value to the card balance of self-Khalalalat exchange or regular or mobile phones. Advantages of electronic means of payment: r for the holder: Thakqosail electronic payment bearer many advantages the most important of ease of use, and gives him instead of carrying cash Alourguihotvadi theft and loss safety, and that the holder the opportunity to obtain free credit Ftertmahddh, as well as being able to complete dealings immediate once mention the card number. r for the dealer: The Oqoydman to the seller's rights, contribute to increase sales as it removed the burden of follow-up Dionzubain as long as the burden is on the bank and exporting companies. r to the source: fees and fines from the profits made by banks and City Bank has achieved profits of credit card campaign in 1991 amounted to $ 1 billion. (13) Defects means our idea: : from risks arising from the use of this means increased borrowing and spending financial capacity, and do not reimburse the cardholder value on time resulting his name in the black list. r Balnsphleltagr: The just some irregularities For his part or his lack of conditions makes deal with him and put his name on the blacklist, which means incurring merchant in his business. (14) : The most important risk facing exporters is the extent of the payment card debt owed Alihmukzlk holders bear the expenses of the issuing bank loss.