网上银行解决方案

网上银行分析 网上银行,是指采用先进的Internet技术,将银行业基于网点、自助服务(包括电话银行、自动柜员机、无人银行等)、特约商户支付和个人理财等传统的银行服务扩展到Internet覆盖的所有地点,使客户在家里、办公室、旅行中随时都能得到银行提供的金融服务。由于网上银行可以大幅度降低银行的经营成本、交易成本,为客户提供更多、更便利的银行服务,提高银行的核心竞争力,因此,网上银行成为银行业今后发展的重要方向之一。同时,由于Linux的系统稳定性已经得到公认,并且,具备极高的性价比,所以,银行也开始采用Linux作为网…     

服务在招商银行——华为INtess成功应用于招行

随着我国加入WTO步伐的加快,商业银行的各项业务将要全面对外资银行开放。而以呼叫中心服务和网上银行服务为代表的新型金融服务手段,势必成为银行业在金融产品和服务方面进一步发展的方向。 呼叫中心作为客户与银行的重要沟通渠道,可以做现金以外的绝大部分的银行交易,如帐户查询、信息咨询、个人转帐、申请挂失、信用卡客户管理和客户投诉等业务。 华为公司的INtess呼叫中心平台具有“网络适应性、客户设计性、系统     

电子银行服务与创新

作为银行的重要资产和前沿阵地,不论是扩展市场空间、挖掘潜在客户,还是宣传推广金融创新、推进电子金融服务消费渗透,电子银行在银行业、金融业的发展中均发挥着日益重要的作用。     

核心银行系统面临转型再突破

随着互联网金融、移动金融服务等新服务模式的兴起,以及利率市场化趋势、银行风险管控及合规性的要求,银行的传统业务模式已经无法满足当前客户越发多样化的需求。而核心银行系统作为银行最重要的生产系统,已经成为银行推进自身转型与创新的关键。     

网络银行的几个关键词

Internet 网络银行是基于因特网或其他电子通讯网络手段提供各种金融服务的银行机构或虚拟网站,是银行传统业务向家庭和企业的延伸,是基于Internet的虚拟银行。用户通过它可以不受时间、空间的限制,享受全天候的网上金融服务,与银行传统的服务方式相比更方便、更详细、更高效,不但能吸引更多客户,而且可以大大削减银行分支机构,减少工作人员,降低运营成本,提高效益。因此,网络银行将是银行业今后的发展趋势。     

银行网点有标杆

作为一个普通银行用户,您希望未来的银行网点提供什么服务?作为拥有众多网点优势的国内银行,如何对传统银行网点进行创新转型?11月29日,由IBM和思科公司联合开设的亚太地区首家银行解决方案合作中心正式开幕,该中心展示的主题之一就是多渠道整合、网点转型方案。整合了咨询服务、网上银行、电话银行、呼叫中心、高柜服务、个性化理财中心、远程专家理财服务的全新金融服务网点为国内银行业和客户带来了全新的体验。推动网点转型IBM大中华区副总裁兼金融服务事业部总经理秦尚民表示,当今的银行已经提供了多种服务方式,ATM、Web等多样化的…     

网络金融模式对传统银行金融的影响分析

这些年来,随着中国经济的迅速发展,通过网络进行商务往来已经成为我国经济发展新主力,网络金融消费带来的方便,快捷成为大众的购物新形式,由于网络的开放性和其他技术及人为因素,各行业都在抓住时机,抢占机遇,利用一切资源进行拓展和优化。网络科学技术的前行,信息沟通的覆盖性也正在对传统的银行业提出了新的概念、新的课题,网络金融的新概念正在渗透入传统的银行业,为传统银行业注入了新鲜的血液和生命力,中国银行业在适应新形势的同时也暴露出丁一些弊端,如银行对新网络体系的重新构建、网络金融中银行业的新型监控不力、网络技术还不够全面不足以有力地推进银行的进程等等。笔者就将网络金融对传统银行的实时影响进行剖析,并提出在网络金融新态势下银行的应对之策。     

聚类算法在银行客户细分中的应用

针对聚类算法在金融领域广泛应用的实际情况,基于银行客户数据集,对DBSCAN, K-means和X-means 3种聚类算法在执行效率、可扩展性、异常点检测能力等方面进行对比分析,并提出将X-means算法应用于银行业客户细分。利用X-means算法建立了一套银行客户细分模型,为银行决策者提供科学的决策支持。     

玩转动态码率，一张光盘当两张用

国内银行提供的网上银行金融服务已经走入了大众的生活，并在银行与客户之间搭建起一条快速，高效的网络金融通道。网上银行以其方便，个性化的金融服务使客户足不出户就可以完成资金查询、转账等工作，提高了客户资金的使用效益和企业财务人员的工作效率，深受广大客户青睐。     

互联网改变银行的三大趋势

2012年,互联网正在加速渗透银行业的内部,技术变革开始从根基上撬动银行传统商业模式的创新。借助互联网,银行让金融服务更多社会群体成为可能。     

EFTS impact on computer security

Electronic funds transfer systems are revolutionizing the banking and financial industry by providing new and varied services for individuals, businesses, and government. These new services, designed to reduce the volume of paper checks processed, introduced new threat areas to the security of bank funds. No security measure and/or device is going to adequately protect the EFT system from potential abuse. There needs to be an integrated management approach assessing the particular company's major risk in the EFTS environment, and a resultant cost effective plan developed in order to provide expanded business services to its customers, while at the same time not leaving the company open to undue financial risk.     

A Data Mining Approach for Retailing Bank Customer Attrition Analysis

Deregulation within the financial service industries and the widespread acceptance of new technologies is increasing competition in the finance marketplace. Central to the business strategy of every financial service company is the ability to retain existing customers and reach new prospective customers. Data mining is adopted to play an important role in these efforts. In this paper, we present a data mining approach for analyzing retailing bank customer attrition. We discuss the challenging issues such as highly skewed data, time series data unrolling, leaker field detection etc, and the procedure of a data mining project for the attrition analysis for retailing bank customers. We use lift as a proper measure for attrition analysis and compare the lift of data mining models of decision tree, boosted naïve Bayesian network, selective Bayesian network, neural network and the ensemble of classifiers of the above methods. Some interesting findings are reported. Our research work demonstrates the effectiveness and efficiency of data mining in attrition analysis for retailing bank.     

The mediating role of the dimensions of the perceived risk in the effect of customers’ awareness on the adoption of Internet banking in Iran

One of the major issues banks are faced with in providing Internet Banking (IB) services is the adoption of these services by the customers. This study seeks answer to the question that whether bank customers’ awareness of the services and advantages of IB is effective in reducing the negative effect of customers’ perceived risk on their intention of IB adoption. To this end, the two constructs of the dimensions of the perceived risk and IB awareness are simultaneously considered. Besides, in the research model, the effect of IB awareness on each dimension of the perceived risk and the effect of these dimensions on intention of IB adoption by the customers are investigated. The results indicate that IB awareness acts as a factor reducing all dimensions of the perceived risk (including time, financial, performance, social, security, and privacy). In addition, it was found out that except for social risk, other dimensions of the perceived risk have significantly negative effect on the intention of IB adoption. Finally, proving the direct and positive effect of IB awareness on adoption intention, it was concluded that the dimensions of customers’ perceived risk plays a mediating role in the positive effect of IB awareness on IB adoption intention. In this respect, management approaches centered on the concept of IB awareness are offered for reducing the dimensions of customers’ perceived risk.     

Nordea offers smart card readers to customers

Nordea, one of the largest financial services groups in the Nordic and Baltic Sea region, is to offer its customers smart card readers which they will be able to use with cards it is issuing from the fourth quarter this year.Visit www.compseconline.com for the latest computer security industry news     

客户可控制状态的银行客户账户管理系统

根据时间客户账户分为流动期和冻结期,在流动期内客户可进行账户查询、修改口令、取现、转账、冻结账户、退出管理全功能操作。在冻结期客户只能进行除取现和转账之外的半功能操作。如果账户处于流动期,客户可通过银行提供的客户账户管理终端设备随时将自己的账户转入冻结状态。如果客户希望自己的账户在t时处于活动状态,客户必须在t-T时之前通过银行客户服务终端将自己的账户解冻。     

Adding clicks to bricks: A study of the consequences on customer loyalty in a service context

With the explosion of the Internet many firms are incorporating technology into their marketing and operations and are adopting a multichannel strategy. The impact of this strategy has been especially high in the services area, which has traditionally relied on close, personal contact between customers and employees. This study explores how overall customer loyalty is built as a consequence of the value provided by each channel (offline and online). It also analyzes the moderating role of complexity of services used and customers’ Internet access in the service value–loyalty link. The model is tested with a sample of 302 multichannel financial services customers who use both the offline (traditional) and the online channel. Results show that offline perceived service value increases online perceived value; offline value has a stronger effect on overall loyalty than online value; and online service complexity and Internet adoption moderate the influence of service value on overall loyalty. Implications for management and theory are discussed.     

面向在线客服系统的调度算法研究

Different from traditional customer service systems, online customer service systems offer business services for multiple customers simultaneously, which makes the adaptation and scheduling between service providers and customers a big challenge. Based on the characteristics of online customer service, this paper proposes a scheduling model for online customer service systems. The scheduling model is composed of three constituents: a multi-priority customer queue, the states of the scheduling system and the transition relations between them, and the correspondence between scheduling strategies and states of the system. Its scheduling algorithm is designed. Experiments verify the rationality of the scheduling model and the effectiveness of the scheduling algorithm. In comparison to the operating customer service system, the algorithm can not only considerably reduce the average waiting time of customers, but also achieve load balancing among service providers, when guaranteeing high quality of services.     

应用Tensorflow 2进行银行客户分类研究

本文利用当前最流行的深度学习框架Tensorflow 2.3,设计了全连接神经网络模型,对银行历史购买理财产品的客户数据进行训练,生成了准确度高的神经网络模型,并利用该模型对新客户是否会购买理财产品预测。结果表明,该模型准确度达到90%以上,获得了较好的应用效果。     

基于Proteus的单片机自动取款机系统设计与仿真

随着金融服务的迅速发展,自动取款机（ATM）已经发展成了各大银行为广大用户金融服务战略中的重要一环,在此介绍一种基于单片机的ATM系统,主要包含硬件和软件两个部分,系统用单片机实现对键盘、LCD、E2PROM、蜂鸣器实时控制,功能比较健全,ATM系统功能有：提取现金、查询账户余额、修改密码、账户冻结、密码保护、自动存款及转账功能.该系统是一个较典型的银行存取款模拟系统,并采用Proteus软件仿真其效果,使用者被假定为银行信用卡用户,系统具有安全、稳定的特点.     

The Mechanisms through Which Certain Variables Influence Customer Loyalty: The Mediating Roles of Perceived Value and Satisfaction

This study surveyed 123 bank users who experienced problems with their banks’ online banking services, with the aim of understanding the mechanisms through which certain variables influence customer loyalty. Principally, the possible mediating roles of value and satisfaction on the relationships between recovery and loyalty and between ISO 9001 and loyalty were scrutinized. The dimensionalities of the scales were assessed using exploratory and confirmatory factor analysis. Thereafter, structural equation modeling and multiregression analyses were used to test the proposed model. The overall results showed that service recovery can be used to enhance customers’ satisfaction and perception of value and, therefore, customer loyalty. This study also confirmed the partial mediating roles of customers’ satisfaction and perception of value in the relationship between service recovery and loyalty. In contrast, ISO 9001 has no influence on perceived value, satisfaction, and loyalty; the mediating roles of both perceived value and satisfaction were not supported in the relationship between ISO 9001 and loyalty. In practice, even though ISO 9001 appeared to offer few extras to satisfy and retain customers, its use is still advisable because of the other potential benefits that it provides.