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Showing 1 to 7 of 7 (0.087 seconds)Spelling suggestions: "subject:"homebanking services"" "subject:"overbanking services""
| 1 |
Electronic banking in Hong Kong /Chan, Tin-hang. January 1998 (has links)
Thesis (M.B.A.)--University of Hong Kong, 1998. / Includes bibliographical references (leaf 79-82).
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| 2 |
An evaluation of "on-line" banking web sites in South Africa to determine essential design criteriaPalmer, Lydia January 2004 (has links)
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.
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| 3 |
Regsaspekte van die rekenarisering van die betalingstelselMeiring, Gezina Aletta 11 1900 (has links)
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.
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| 4 |
Regsaspekte van die rekenarisering van die betalingstelselMeiring, Gezina Aletta 11 1900 (has links)
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.
|
| 5 |
Development of an M-Payment system prototype for a marginalized region (Dwesa case study)Mpofu, Handsome C January 2011 (has links)
Wireless technologies, such as Worldwide Interoperability for Microwave Access (WiMAX) and Wireless Fidelity (WiFi), are making it easier to provide the much needed telecommunications infrastructure in marginalized areas worldwide. These technologies enable the rapid deployment of network services as well as their redistribution throughout these marginalized areas. The ability to bring Internet connectivity to previously underserviced and marginalized areas has the potential to leap-frog socio-economic development and improve participation in the global knowledge economy. This study investigated how wireless access technologies, such as WiMAX and WiFi, can be integrated and used to deliver ubiquitous distributed Internet connectivity with increased capillarity in rural areas. The research was undertaken within an ICT for Development (ICT4D) intervention called Siyakhula Living Lab (SLL) which is based in the Eastern Cape province of South Africa. The research further eliminated the accessibility constraints associated with long distances and remoteness from the Digital Access Nodes (DANs) and provided increased penetration in the network in contrast to the traditional Telecentre model which has been used extensively in ICT4D interventions. This was achieved by deploying WiFi hotspots around the DANs and extending the existing SLL WiMAX backbone to increase the network footprint to neighboring communities. The technical result of the research has been the provision of increased capillarity on the network and service redistribution throughout the entire Dwesa community. Consequently, this has given local community members an opportunity to access network services easily and ubiquitously. Finally, the research investigated and presented the benefits of such wireless network deployment configurations on ICT4D activities in marginalized areas.
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| 6 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LLD
|
| 7 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LL. D.
|
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