Kassel, Universiẗat, Diss., 2008.

Zugl.: Freiburg (Breisgau), Universiẗat, Diss., 1997.

近年來，台灣金融業在金控合併後之競爭越來越激烈，百家爭鳴的結果，卻模糊了消費者對於理財的焦點---金融業務的『便利性、簡單化』。本研究提供一個全新型態的個人金融服務---「Direct Banking」---來說明未來個人金融業務，其經營模型之可行性，並以滙豐銀行為例，探討其如何突破分行極少的限制，在短短一年內就由於這個機制使得新增客戶突破10萬戶以上，且上市半年後的存款餘額成長6.5%。同時藉由Direct Banking的發展，提出未來兩岸三地之個人金融業務應用方向，以達到跨國金融與創新金融的目的。透過問卷調查結果，本研究假設可以說是成立的。本研究主要貢獻，在於這是台灣金融市場第一篇以Direct Banking為主題的研究，其除了提出理論需求面以外，並且搭配實務相關經驗來做為支撐，以達到理論與實務結合的目的。 / In recent years, the competition after merger & acquisition in Taiwan’s finance industry is getting more and more intense, but it results that the issue which consumers just want to make their money bigger and easily make decisions is more and more fuzzy. The study provides an innovative tool which named [Direct Banking] about consumers’ finance and takes HSBC as example to understand how they work Direct Banking successfully. After doing questionnaire to analyze, the hypothesis is tenable. Finally, the contribution of study is that it is the first research which focuses on Direct Banking in Taiwan’s finance industry. The study not only provides the theoretical structure, but also uses support by HSBC, to mix the theoretical with the practical.

The significance of personal data protection in the Czech Republic and in other developed countries has been continually increasing. A bank's security system breakdown can cause not only a misuse of the client's personal data but also a financial loss that harms the client and the bank reputation as well. The aim of the thesis is an analysis of the direct banking security and protection means of sensitive data of prime banks on the Czech market. First chapter characterises the consumer protection issues in regard of banking. The second part of the thesis concentrates on the area of direct banking, its forms, possible threats and the particular security tools used by local banks. Last section consists of an analysis of the survey among the banks and their clients.

This dissertation is focused on innovation of banking information systems, in prac-tical part specifically on innovation Video Banker. The main goal of my dissertation is to analyze the problems, encountered during the implementation of technological innovations Video Banker in the bank. Problems are ana-lyzed from different perspectives and the method of continuous improvement and Ishikawa diagram are used. The analysis of problems is followed by the solution of those problems. Three consecutive versions of Video Banker are analyzed, therefore I evaluate the success of problem solving too. Then I also suggest possible further improvements. The secondary objective of my dissertation is the evaluation of influence of, both technical and functional, problems of Video Banker to the effectiveness of implementation of innovation. This evaluation is provided immediately, together with each problem de-scription. The theoretical part is designed the way to make the theory on ICT innovation, re-gardless of the segment, be followed by the specifics of the banking segment. Also the methods of analysis, subsequently used in the practical part, are described. The main benefit of this dissertation is an analysis of the implementation of a new channel for online client communication with the bank, using Voice over IP. Concerning this topic, there are just few publications available in the Czech Republic and also in the world.

The subject of this thesis is to evaluate the current state of the direct banking on the Czech market and an analysis of individual types of direct banking. Partial objective is to create a formal procedure for selecting optimal type of the direct banking for bank clients.

The aim of my diploma work is to indicate the problems of cash and noncash payments. I aimed at the comparison of various types of payment instruments and domestic and foreign payment systems. I compare their advantages and disadvantages from the view of the bank and especially from the view of the corporate client. Concrete examples and recommendations are described in the part of the diploma work named Assessment of payment instruments in selected banks. I compare them among three banks - Volksbank CZ, a. s., Oberbank AG Czech Republic and Raiffeisenbank a. s.. In the diploma work I also describe actual trends and new possibilities of using payment cards and direct banking.

The main goal of this master’s thesis is to represent the development of accounting softwares depending on the development of electronic banking. Particular chapters subsequently deal with direct banking - its formation, services and security, concerning accounting software as well as the interconnection of banks and the company accountancy using conversion applications integrated into the economical software.