This article describes a successful cloud community—BankID—established in Norway, with the cloud infrastructure shared and owned by the Norwegian banking industry. The set of capabilities running on the BankID industry cloud3 enables electronic identification (eID), authentication and electronic signing (e-signing). Using these capabilities, the Norwegian banks have generated significant busine...

During the last two decades, the extensive utilisation of advanced Information Systems and the Internet have revolutionised the operations of the banking industry leading to vastly improved customer services, streamlined business operations and in particular profitability with reduced unit costs. On the other hand, security breaches and transaction fraud have been on the rise more recently, war...

There is relatively little known about the m-banking use by the rural small and medium enterprises (SMEs) in Bangladesh. This research fills the gap by presenting the key advantages of using mbanking by the rural SMEs that a bank can offer in Bangladesh. The research also reports on the critical country level-factors, organizational success factors and obstacles in m-banking adoption for rural ...

Internet banking has become the new self-service delivery channel that allows banks to provide information and offer services to their customers with more convenience via the web services technology. An understanding of corporate customer acceptance of Internet banking can assist banks to assess the real business value of Internet banking implementation. This study examines four benefits and th...

Tablet computers (tablets) have gained much attention in research, the application in a banking industry context remains somewhat unexplored. In particular, tablets could enhance customer-facing business processes, such as face-to-face advisory processes in the banking industry. This paper analyses the potentials of tablet-supported customer advisory and the impact on the advisory process based...

This thesis has two goals. First, it refines our understanding of the role that the clearing banks in Britain played as providers of credit to industrial borrowers in the period between the Macmillan Committee of 1930 and the Radcliffe Committee of 1959. It then analyzes the banking system as a component of the monetary and credit structure in the economy. The conclusion reached is that industr...

Electronic commerce technologies are changing the way that work tasks are conducted and thus has significant implications for the way organisations manage their human resource functions. Although the impact of IT on work and employment has been the subject of research, little attention has been paid to electronic commerce and its effect on work organisation and HR management. This paper examine...

In electronic commerce, the challenges of payment transactions were initially underestimated. Business via the internet and mobile telephony has so far been dominated by the methods of payment systems in traditional business. However, in light of advances in e-commerce, traditional business models are increasingly coming up against their limits. To understand the concept of electronic commerce,...

In terms of technology, this probably started to some degree with the wiring of funds from bank to bank, but has now progressed significantly with ATMs, on line banking, and the Internet. The technology is readily available in this day and age to everyone, and everyone has been and is increasingly using it to pursue the business of your customers in a variety of ways. This is not just a matter ...

The partnership between banks and non-banks is one of the oldest and most common lateral business partnerships. While banks are looking for new markets and for cost efficient ways to implement new business models, SMEs presumably have considerable efficiency potentials within their financial processes. Some of these potentials could be realized by embedding functionality provided by banks withi...