网上银行系统分析研究【外文翻译】

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1、外文翻译AnalyticalStudyonInternetBankingSystemMaterialSource:http://www.openj-gate.org/Author:FahadH.Alshammari1.INTRODUCTIONConsumerbehaviorischangingpartlybecauseofmoresparetime.Thewayofuseoffinancialservicesischaracterizedbyindividuality,mobility,independenceofplaceandtime,andflexibility.F

2、inancialtransactionscausedbypurchaseswillmoreandmorebecarriedoutbynon-andnear-banks[1].Thesefactsrepresentbigchallengesforprovidersoffinancialservices.MoreandmoretheInternetisconsideredtobea"strategicweapon".FinancialservicescompaniesareusingtheInternetasanewdistributionchannel.Thegoalsar

3、e:complexproductsmaybeofferedinanequivalentqualitywithlowercoststomorepotentialcustomers;Theremaybecontactsfromeachplaceofearthatanytimeofdayornight.Thismeansthatfinancialinstitutionsmayenlargetheirmarketareawithoutbuildingnewofficesorfieldservices,respectively[2].Becauseofitsimageasaninn

4、ovativecorporation,betterinteractingpossibilities,theusageofrationalizationpotentials,promotionofself-servicedas,theimprovementofitscompetitivesituationbydevelopmentofcorecompetenciestogetherwiththeconstructionofmarketentrybarriers,itmaybepossibletoincreaseprofitsandmarketshares.Onewayofe

5、xploitingrationalizationpotentialsistheimplementationoftheentiretransaction(frompurchasetopayment)underacommonuserinterface.Informationcollectedinoperativedatabasesoffinancialinstitutionsallowsthemtoactasinformationbrokers.Offeringspecialinformationinclosedusergroupsmayresultinmoreintense

6、customercommitment,aswellascustomerbonding.Know-howthatisbuiltupbyInternetpresencemaybeusedtofacilitateInternetpresenceofsmallercompanies.Theuseofdigitalcoin-basedmoneytocompletelysettletransactionsintheInternetisanewserviceprovidedbyfinancialinstitutions[4].Intherecentyearstherehasbeenex

7、plosionofInternet-basedelectronicbankingapplicationsstatesthattheemergenceofnewformsoftechnologyhascreatedhighlycompetitivemarketconditionsforbankproviders.However,thechangedmarketconditionsdemandforbankstobetterunderstandingofconsumers'needs.In[5]stressthatthesucce