Made available in DSpace on 2016-04-28T20:19:19Z (GMT). No. of bitstreams: 1 2004 - Niceas Alencar da Silva.pdf: 808443 bytes, checksum: cd2525ca100feaf8969ca78945565665 (MD5) Previous issue date: 2004-04-16 / The study has focus in the bank user s behavior, presents in the electronic cash dispenser of the advanced positions of services of the Bank of Brazil and of the Real Bank, located in the campus of the Rural Federal University of Rio de Janeiro. It is centered in their perceptions of use of the Internet Banking, what generated the theme for the report of the evolution of the inclusion of the Technology Information in the banking sector. A questionnaire was distributed among the users of the electronic cash dispenser, after use, asking them on some personal characteristics - in order to identify statistical correlations - and also on their perceptions in the use of electronic cash dispenser and internet banking services, supplying data to the Bank Institutions, for a better strategic administration of their physical and human resources. The Study of the Case was the applied methodology, taking advantage of the natural atmosphere and giving emphasis to the present time, with access to the people and observation of the process in focus. The sampling is not probabilistic, consists of selecting the elements in function of it s presence at a specific moment (03-07/03/2003). The approach was in a driven way, through questionnaire with open and closed subjects and of multiple-choice. The banks has a relevant participation in the technological development of the country, when integrating, through the communication nets, the bank agencies, allowing transactions in real time. The study identified a high level of acceptance of Home Banking, in spite of being little used, what was justified mainly by the computer lack, as well as also the inaccessibility of the Internet. The ignorance and the resistance to the new technology were also mentioned, what implicates in another type of investment, in education, to be implemented for the customers to have capacity to execute the operations on line, including them to the digital access. A point of view to be considered is the cost of a customer not getting to accomplish his/her role, implicating in the loss of his/her self-esteem, need that if will not be taken care of, will be able to generate as result for the bank, the loss of the customer. For the company positioned in a competitive atmosphere, the ability to offer information, help in the construction of the image to the consuming public. / O estudo est? voltado para o comportamento dos usu?rios banc?rios, presentes nos Caixas Eletr?nicos dos Postos de Servi?os do Banco do Brasil e do Banco Real, localizados no campus da Universidade Federal Rural do Rio de Janeiro. Ele ? centrado nas suas percep??es de utiliza??o do Internet Banking, o que gerou o tema para o relato da evolu??o da inclus?o da Tecnologia da Informa??o no setor banc?rio. Um question?rio foi distribu?do entre os usu?rios dos Caixas Eletr?nicos, ap?s o uso, perguntando-os sobre algumas caracter?sticas pessoais de forma a identificar correla??es estat?sticas bem como, sobre suas percep??es no uso de Caixas Eletr?nicos e servi?os de Home banking, fornecendo subs?dios ?s Institui??es Banc?rias, para um melhor gerenciamento estrat?gico de seus recursos f?sicos e humanos. O Estudo de Caso foi a metodologia aplicada, por se tratar de um ambiente natural, dando ?nfase ? contemporaneidade, com acesso ?s pessoas e observa??o do processo em foco. A amostragem ? n?o probabil?stica, consiste em selecionar os elementos em fun??o de sua presen?a em um momento preciso (03-07/03/2003). A abordagem foi de forma dirigida, por meio de question?rio com quest?es abertas e fechadas e de m?ltipla-escolha. Os bancos representam um importante papel no desenvolvimento tecnol?gico do pa?s, ao integrar, atrav?s das redes de comunica??o, as ag?ncias banc?rias, permitindo transa??es em tempo real. O estudo identificou um n?vel elevado de aceita??o do Home Banking, apesar de ser pouco utilizado, o que foi justificado principalmente pela falta de computador, assim como tamb?m, a inacessibilidade da Internet. O desconhecimento e a resist?ncia ? nova tecnologia tamb?m foram citados, o que implica em outro tipo de investimento, em educa??o, a ser implementado para que os clientes tenham capacidade para executar as opera??es on line, incluindo-os no acesso digital. Um ponto de vista a ser considerado ? o do custo de um cliente n?o conseguir realizar o seu papel, implicando na perda de sua auto-estima, necessidade que se n?o atendida, poder? gerar como resultado para o banco, a perda do cliente. Para a empresa posicionada em um ambiente competitivo, a habilidade de oferecer informa??o, facilita a constru??o da imagem junto ao p?blico consumidor.

Die Nutzung von Online-Medien ist bequem und erweitert das Bibliotheksangebot um ein Vielfaches. Wenn man jedoch direkt vor Ort erscheinen muss, nur um zum Beispiel die Jahresgebühr zu zahlen, kann das ganz schön nerven. Die Leipziger Städtischen Bibliotheken (LSB) haben deshalb das Bezahlsystem „ePayBL“ eingeführt, mit dem Benutzer online zahlen können und sofort nach der Anmeldung Zugang zu eMedien und Datenbanken haben.

Universiẗat, Diss.--Passau, 2007. / Literaturverz. S. 197 - 214.

Thesis (M.B.A.)--University of Hong Kong, 1998. / Includes bibliographical references (leaf 79-82).

Los objetivos del trabajo son: - Sintetizar los modelos de calidad y métodos de evaluación orientados a productos web. - Elaborar un método de medición y evaluación, a partir de un modelo de calidad específico para sitios web bancarios, que incluya las características propias del mencionado sector. La propuesta contemplará criterios de evaluación y medición para contribuir al avance de metodologías que permitan evaluar la calidad de productos Web. - Aplicar el método propuesto a un caso concreto.

Universiẗat, Diss--St. Gallen, 2001.

The use of the Web to carry out business on the Internet has become a viable option in all business sectors, and Internet banking in South Africa is no exception. The nature of business on the Internet in South Africa and the World is investigated. The extent of Internet banking in South Africa is ascertained and the expectations and perceived problems of online bankers are discussed. The importance of Human Computer Interface and Web Interface Design for successful business is promoted with a discussion of their guidelines and principles. Web Evaluation techniques and Tools are assessed and The "Gartner" Web evaluation tool is selected to evaluate the three bank Web sites. The results of the evaluation indicate that there are several generally well implemented design criteria used by all of the banks while some criteria are not implemented at all. Each bank is discussed individually to identify strong and weak features of their Web site design. Essential aspects of Web design have been proposed for inclusion during the design of "online" Banking Web sites.

Text in Afrikaans, abstract in Afrikaans and English / The development of sophisticated computer technology and the consequent computerisation of the payment system has had a far-reaching effect on fund transfer systems all over the world. The most important purpose of this thesis is to indicate the nature of an electronic fund transfer; to set out the relationships of the parties involved in an electronic funds transfer and to show by comparison with other legal systems where our law may be deficient in the regulation of the computerised payment system. At the outset, the nature and functions of money are compared to electronic fund transfers and a distinction drawn between paper-based transactions and electronic fund transfers. In this regard, electronic fund transfers as method of payment is also discussed. Automatic computer processing also gave rise to a variety of new kinds of financial services. A distinction is made between customer-initiated systems (A TM' s, EFTPOS and home-banking services) and systems used by the banks to effect electronic funds transfers between banks and to send financial messages. In this regard, the settlement function of clearing houses and the legal nature thereof are examined. A description of a local clearing house, the ACB, is included as well as a discussion of the clearing of cheques, the moment of payment of cheques and the status of the ACB. Other relevant legal aspects of the computerisation of the payment system which are examined and discussed are the following: the use of the so-called electronic signature; the regulation of risks in electronic payments and the creation of sufficient security measures; the criminal liability of an accused in the case of an unauthorised withdrawal or transfer; questions and problems surrounding evidential matters; the putting into operation of procedures to correct errors and the creation of an ombudsman to settle and resolve disputes; cheque truncation and the right of an individual to privacy in the milieu of electronic payments. Finally, the legal relationships between the parties involved in a credit transfer and the moment of payment is examined. Regulation in this regard is also considered. / Die ontwikkeling van gesofistikeerde rekenaartegnologie en die gevolglike rekenarisering van die betalingstelsel het 'n verreikende effek op die fondsoordragstelsels van banke regoor die wereld gehad. Die belangrikste doelstellings van hierdie proefskrif is gevolglik om die aard van 'n elektroniese fondsoordrag aan te dui; om die verhoudinge tussen die partye betrokke by 'n elektroniese fondsoordrag nader te omskryf en om by wyse van 'n regsvergelykende ondersoek aan te toon waar daar leemtes in ons reg ten opsigte van die regulering van die gerekenariseerde betalingstelsel bestaan. Die aard en funksies van geld is ter aanvang met elektroniese fondsoordrag vergelyk en 'n onderskeid is tussen papierbasistransaksies en elektroniese fondsoordragte getref. In hierdie verband is elektroniese fondsoordrag as betalingsmetode ook bespreek. Outomatiese rekenaarverwerking het ook tot 'n verskeidenheid van nuwe soorte finansiele dienste aanleiding gegee. Daar is onderskei tussen klient-geaktiveerde stelsels (OTM'e, EFTPOS en tuisbankdienste) en fondsoordragstelsels wat deur die banke aangewend word om elektroniese fondsoordragte tussen banke te bewerkstellig en om finansiele boodskappe te versend. In die verband is die verrekeningsfunksie van klaringshuise en die regsaard daarvan ondersoek. 'n Beskrywing van die werksaamhede van die ACB, as plaaslike klaringshuis, is hierby ingesluit asook 'n bespreking van die verrekening van tjeks, die tydstip van betaling van tjeks en die status van die ACB. Ander relevante regsaspekte van die rekenarisering van die betalingstelsel wat ondersoek en bespreek is, is die gebruik van die sogenaamde elektroniese handtekening; die risikoreeling in die elektroniese betalingsverkeer en die daarstelling van voldoende sekuriteitsprosedures; die strafregtelike aanspreeklikheid van 'n beskuldigde in die geval van 'n ongemagtigde onttrekking of oordrag; vrae en probleme rondom bewysregtelike aangeleenthede; die inwerkingstelling van foutoplossingsprosedures en die daarstelling van 'n ombudsman om geskille te voorkom en te besleg; tjekretensie en die reg van die individu op sy privaatheid in die milieu van die elektroniese betalingsverkeer. Laastens is die regsverhoudinge tussen die deelnemende partye en die tydstip van betaling in die geval van 'n kredietoordrag ondersoek, en oorweging is aan regulering in die verband geskenk. / Private law / LL. D.

Made available in DSpace on 2010-04-20T20:08:21Z (GMT). No. of bitstreams: 0 Previous issue date: 2000-03-24T00:00:00Z / Electronic commerce has the power to change business and the relationship between companies and their clients, suppliers and partners. Looking at the astonishing growth of Internet and the Web, companies are stiU leaming how to use electronic commerce in their business processes as well as in strategies to integrate themselves both internally and externally. Banks have since long been among the companies with the highest leveI of information technology spending in order to support their processes, to reach business efficiency and improve the quality of banking services. Being originated in the technological convergence of computing and telecommunications, electronic commerce open great opportunities to banks, which have been looking for effective ways to offer off-branch banking services for decades. The importance of electronic commerce evolution to banks is even more relevant if it is considered that there is no commerce without payment and they are the main players to keep a trustful and flexible payment system. Therefore, the growing use of the Web and the Internet by banks implies also the consolidation of electronic commerce, either by their importance in controlling the payment system or the trust they mean to electronic fund transfer systems users. This work intends to create ways to evaluate the evolution of electronic commerce in banking services and the diffusion of Web use among banks. Since banks can use the Web to release information, deliver banking products and services and improve customer relationship, Web site analysis, surveys and interviews were taken to identify direction, rate, determinants and implications of Web use evolution among banks. / O comércio eletrônico é uma força que promete mudar definitivamente o cenário das empresas e seu relacionamento com clientes, fornecedores e parceiros. De olho no crescimento explosivo da Internet e da Web, as empresas estão aprendendo a utilizar o comércio eletrônico em seus processos de negócio tanto quanto nas suas estratégias de integração interna e externa. Os bancos têm, desde há muito, estado entre as empresas que mais investem em tecnologia de informação para apoiar os seus processos de negócio, buscar a eficiência empresarial e aumentar a qualidade dos seus serviços. Tendo suas origens na convergência tecnológica entre a computação e a telecomunicação, o comércio eletrônico abre um leque de oportunidades aos bancos que há muito buscam alternativas para oferecer aos seus clientes a possibilidade de operar serviços bancários remotamente, sem a necessidade de deslocamento até Uma agência. Mas a importância da evolução do comércio eletrônico para os bancos é ainda maior se for considerado que não há comércio sem pagamento e os bancos são os principais responsáveis pela manutenção de um sistema de pagamento confiável e versátil. Portanto, a crescente utilização da Web e da Internet pelos bancos implica também na consolidação do comércio eletrônico, tanto pela sua importância no controle dos meios de pagamento quanto na confiabilidade que transmitem aos usuários dos sistemas eletrônicos de transferência de valor. Este trabalho tem como objetivo estabelecer critérios para avaliar a evolução do comércio eletrônico nos serviços bancários e a difusão do uso da Web entre os bancos. A partir da observação de que os bancos podem utilizar a Web para divulgar informação, distribuir produtos e serviços e melhorar o relacionamento com os clientes, foram realizadas pesquisas através de análises em Web sites, questionários e entrevistas, para caracterizar o ritmo, a direção, os determinantes e as implicações da evolução do uso da Web entre os bancos.

Text in Afrikaans, abstract in Afrikaans and English / The development of sophisticated computer technology and the consequent computerisation of the payment system has had a far-reaching effect on fund transfer systems all over the world. The most important purpose of this thesis is to indicate the nature of an electronic fund transfer; to set out the relationships of the parties involved in an electronic funds transfer and to show by comparison with other legal systems where our law may be deficient in the regulation of the computerised payment system. At the outset, the nature and functions of money are compared to electronic fund transfers and a distinction drawn between paper-based transactions and electronic fund transfers. In this regard, electronic fund transfers as method of payment is also discussed. Automatic computer processing also gave rise to a variety of new kinds of financial services. A distinction is made between customer-initiated systems (A TM' s, EFTPOS and home-banking services) and systems used by the banks to effect electronic funds transfers between banks and to send financial messages. In this regard, the settlement function of clearing houses and the legal nature thereof are examined. A description of a local clearing house, the ACB, is included as well as a discussion of the clearing of cheques, the moment of payment of cheques and the status of the ACB. Other relevant legal aspects of the computerisation of the payment system which are examined and discussed are the following: the use of the so-called electronic signature; the regulation of risks in electronic payments and the creation of sufficient security measures; the criminal liability of an accused in the case of an unauthorised withdrawal or transfer; questions and problems surrounding evidential matters; the putting into operation of procedures to correct errors and the creation of an ombudsman to settle and resolve disputes; cheque truncation and the right of an individual to privacy in the milieu of electronic payments. Finally, the legal relationships between the parties involved in a credit transfer and the moment of payment is examined. Regulation in this regard is also considered. / Die ontwikkeling van gesofistikeerde rekenaartegnologie en die gevolglike rekenarisering van die betalingstelsel het 'n verreikende effek op die fondsoordragstelsels van banke regoor die wereld gehad. Die belangrikste doelstellings van hierdie proefskrif is gevolglik om die aard van 'n elektroniese fondsoordrag aan te dui; om die verhoudinge tussen die partye betrokke by 'n elektroniese fondsoordrag nader te omskryf en om by wyse van 'n regsvergelykende ondersoek aan te toon waar daar leemtes in ons reg ten opsigte van die regulering van die gerekenariseerde betalingstelsel bestaan. Die aard en funksies van geld is ter aanvang met elektroniese fondsoordrag vergelyk en 'n onderskeid is tussen papierbasistransaksies en elektroniese fondsoordragte getref. In hierdie verband is elektroniese fondsoordrag as betalingsmetode ook bespreek. Outomatiese rekenaarverwerking het ook tot 'n verskeidenheid van nuwe soorte finansiele dienste aanleiding gegee. Daar is onderskei tussen klient-geaktiveerde stelsels (OTM'e, EFTPOS en tuisbankdienste) en fondsoordragstelsels wat deur die banke aangewend word om elektroniese fondsoordragte tussen banke te bewerkstellig en om finansiele boodskappe te versend. In die verband is die verrekeningsfunksie van klaringshuise en die regsaard daarvan ondersoek. 'n Beskrywing van die werksaamhede van die ACB, as plaaslike klaringshuis, is hierby ingesluit asook 'n bespreking van die verrekening van tjeks, die tydstip van betaling van tjeks en die status van die ACB. Ander relevante regsaspekte van die rekenarisering van die betalingstelsel wat ondersoek en bespreek is, is die gebruik van die sogenaamde elektroniese handtekening; die risikoreeling in die elektroniese betalingsverkeer en die daarstelling van voldoende sekuriteitsprosedures; die strafregtelike aanspreeklikheid van 'n beskuldigde in die geval van 'n ongemagtigde onttrekking of oordrag; vrae en probleme rondom bewysregtelike aangeleenthede; die inwerkingstelling van foutoplossingsprosedures en die daarstelling van 'n ombudsman om geskille te voorkom en te besleg; tjekretensie en die reg van die individu op sy privaatheid in die milieu van die elektroniese betalingsverkeer. Laastens is die regsverhoudinge tussen die deelnemende partye en die tydstip van betaling in die geval van 'n kredietoordrag ondersoek, en oorweging is aan regulering in die verband geskenk. / Private law / LL. D.