| Topic : Innovations in Banking Industry !!! |
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Activity:
78 views;
last activity : 07 06 2010 20:18:09 +0000
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Web 2.0 features, Behaviour Analysis, RIA GUI
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Personalized and customized Internet banking
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Easy usability
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Accessibility support
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Hassle free, secured, 24x7 services & value addition
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Transparency
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ATM use many times and Account accessibility from any bank
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Blogs, chats, customer involvement, Spending pattern derived from the Account Transaction, Smart tips to save money depending upon the spending pattern etc. -Nitin. |
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I agree with your view, social networking is the way going forward for the banks. That will be the new channel for customers.
take a look at www.ubank.com.au. It's a hybrid between an Internet Banking and Social Networking site. Incidently, I was the Project Manager for this project when I was in Oracle.
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The next generation of Internet banking based on Web should fully exhibit the idea of "people-orientation." For different customers, different personalized Internet banking transaction and marketing platforms should be displayed. Customers should be able to freely customize the information and financial services that interest them. With a customer's personalized Internet banking layout, banks can also know clearly the potential demands to achieve cross-channel selling and realize target marketing and customer-oriented marketing. |
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In my opinion, there is poor user experience because Internet banking is unmanned and customers encounter problems easily. The next-generation Internet banking should support personalization and block the services that customers may not be interested in. If the Internet banking interface provide a functions similar to the desktop operating system, it could enable more users to use Internet banking conveniently. |
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I have seen some customers of Internet banking who have disabilities, such as color weakness or color blindness. Even there, the number of users with accessibility requirements for using Web-based applications are increasing. The next-generation Internet banking which is web based should provide accessibility support for them also, including full keyboard operation, a screen reader, and so on. |
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Yes, absolutely right. Banks need to be humane and look at financial inclusion of differently-abled people. Whether it is internet banking, mobile banking or ATM. Even RBI is quite serious about it. Refer http://www.rbi.org.in/commonman/English/scripts/Notification.aspx?Id=356
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Next generation Internet banking should be hassle free, be secured, available 24 x 7 with more and more value additions. This may not end and constant innovation is the key. |
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I think wht is most important for the next generation internet banking is the way how the banking sectors are running the business by keeping their customers informed about various things. Wht I feel is still the banking sectors in India is lacking the transparency when to comes to informing its customer on time , about the various products and services , different charges , txes etc....they are very smart & prompt in selling the product & service but hardly take any initiative to make their customer WOW.... |
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Next banking generation I think it is must that "any customer can access their account from any bank and he/she can deposit and withdraw their money from any bank." and other is use of ATM should not be restricted. |
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Next banking generation I think it is must that "any customer can access their account from any bank and he/she can deposit and withdraw their money from any bank." and other is use of ATM should not be restricted. |
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