Αντικείμενο της εργασίας αυτής είναι η διερεύνηση της χρήσης των εναλλακτικών καναλιών τραπεζικής εξυπηρέτησης στην Ελλάδα καθώς και της πρόθεσης μελλοντικής χρήσης τους από μη χρήστες. Αναφορικά με τη δομή της, η εργασία διακρίνεται εξαρχής σε δύο μέρη. Στο πρώτο μέρος, το οποίο αποτελεί και τη θεωρητική προσέγγιση του θέματος, αναλύεται σφαιρικά το θέμα της Ηλεκτρονικής Τραπεζικής (e-Βanking) και συγκεκριμένα της Ηλεκτρονικής Τραπεζικής μέσω των Αυτόματων Ταμειολογιστικών Μηχανών (ATMs), μέσω διαδικτύου (Internet Banking) και μέσω τηλεφώνου (Phone Banking). Το e-Banking αξιολογείται ως ένα πολύ ενδιαφέρον κομμάτι του ηλεκτρονικού επιχειρείν, η έρευνα και η μελέτη του οποίου μπορεί να αποδώσει πολύτιμα συμπεράσματα. Γι’ αυτό και η παρούσα εργασία ολοκληρώνεται με ένα ερευνητικό μέρος. Μερικά σημαντικά ευρήματα που προέκυψαν από την ερευνητική διαδικασία συνοψίζονται στα ακόλουθα: α) η διείσδυση της τεχνολογίας αποτελεί βασικό παράγοντα για την ύπαρξη και την ανάπτυξη της διαδικτυακής τραπεζικής, β) η νομοθεσία που ισχύει για τις τραπεζικές συναλλαγές στο διαδίκτυο, τόσο σε Ελληνικό όσο και σε Ευρωπαϊκό επίπεδο, έχει αρκετά κενά και ασάφειες, δημιουργώντας αρνητικές σκέψεις για την αξιοπιστία της διαδικτυακής τραπεζικής, γ) το θέμα της ασφάλειας, αποτελεί το σημαντικότερο παράγοντα αποτροπής για τη χρήση της διαδικτυακής τραπεζικής, δ) οι στόχοι της διαδικτυακής τραπεζικής δεν έχουν επιτευχθεί (μια και η κρίσιμη μάζα πελατών μέχρι σήμερα εξακολουθεί να είναι μικρή) και ε) σήμερα η διαδικτυακή τραπεζική παίζει προς το παρόν βοηθητικό ρόλο στην τραπεζική αγορά της χώρας μας, δίνοντας τη δυνατότητα στον πελάτη της τράπεζας, να έχει μια ακόμη εναλλακτική λύση για να πραγματοποιήσει τις τραπεζικές του συναλλαγές. / The main object of this thesis is to investigate the use of alternative channels of banking services in Greece and the future intentions of use for non-users. This work has two main parts. In the first part, which is a theoretical approach, we analyze comprehensively the issue of electronic banking (e-Banking), and more specifically the Electronic Banking through Automatic Teller Machines (ATMs), Internet (Internet Banking) and phone(Phone Banking). The e-Banking has been evaluated as a very interesting part of e-business. The research and the study of e-banking could have some interesting findings. The second part of this work includes the results that produced by research procedure. Some important findings of this research are following: a) the penetration of technology is a key factor for the development and improvement of online banking, b) the current laws about online banking, in Greece and in Europe in general, are incomplete and they have many loopholes and ambiguities, This fact has as result some negative thoughts about the reliability of online banking, c) the issue of security is the major issue for non widely using online banking, d) targets of online banking have not been achieved (since the number of customers till today is small) and e) current online banking plays supporting role in the banking market of our country, allowing the Banks' customers to have an extra option for executing their banking transactions.

<p>Citizens’ interaction with governments is an area with unique implications for channel management. Governments need to take the citizens perspective into further consideration in order to be successful in delivering high-quality e-services. This paper aims to determine if a categorization of citizen-initiated contacts from a citizen-centric perspective can be a valuable basis for decisions regarding e-service development. The study consisted of three steps. The first step was an examination of the existing related literature, which resulted in the uncovering of the most important aspects of citizens channel choice. The second step consisted of an elaboration of a classification based on perceived task characteristics and a subsequent matching of the categories to desirable channel characteristics. The third and final step consisted of an application of the proposed categorization on a content management system containing all citizen-initiated contacts in a Swedish municipality. The application indicated that the proposed categorization could possibly be used to guide investments in e-services towards a channel-appropriate direction.</p>

This thesis is based on a case study of an airline’s (Scandinavian Airlines (SAS)) customers’ views on self-service technologies for check-in; mobile check-in, internet check-in, and machine (kiosk) check-in. The first aim of the paper was to find sources of satisfaction and dissatisfaction in the airline industry. A number of critical incidents leading to satisfactory and dissatisfactory experiences have been categorized by using the critical incident technique method based on customers’ recalls of past events. Main sources of satisfaction were the SSTs ability to provide a more efficient service by time savings, avoiding queues and by providing increased customer control. Main sources of dissatisfaction were related to technology failure such as malfunctioning machines, technical design problems and service design problems due to unclear role clarity among customers caused by lack of information and trust in own abilities. Second aim of the study was to identify a number of variables affecting SST channel selection. Qualitative interviews revealed following main variables affecting channel choice: accessibility, awareness, lack of trust, and perceived channel efficiency. Findings have been discussed from the perspective of models used in present research such as the consumer readiness model and trusting intentions model so that future researchers can identify and use valid models for understanding SST channel adoption and satisfaction drivers in the flight industry. Hands on managerial implications are provided in the closing part of the paper. Originality: The thesis show industry specific satisfaction and dissatisfaction causes that differ from previous research. Second contribution is the development and classification of factors in groups that influence the SST channel choice for check-in at airports. Finally the paper shows that none of the current models for use intention can independently be used to fully explain choice of channel.

Made available in DSpace on 2015-04-16T15:23:29Z (GMT). No. of bitstreams: 1 arquivototal.pdf: 2054997 bytes, checksum: f807d39d45b38ada7a2d2be6e8721415 (MD5) Previous issue date: 2013-03-21 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES / This research analyzes the informational flow of the Customer Service Channels - CSC (Canais de Atendimento ao Cliente - CAC) of the Brazilian Post and Telegraph Company (Empresa de Correios e Telégrafos), Regional Board of Directors of Paraíba ECT/DR-PB by means of the perspective of information management (IM), questioning how the information of this flow influence the formulation of tactic actions for decision-making. The study aims at analyzing the informational flow of the CSCs of the Brazilian Post and Telegraph Company in its Regional Board of Directors of Paraíba. It is understood that the informational flow of the CSCs, if treated in a systematized way, is presented as valuable tool for the qualitative diagnosis of the offered services, besides attaining the legal requirements and fulfilling an evaluation in the processes of the provided products. Planning future actions and implementing corrective ones are the reasons that justify the study. With reference to the objectives, the methodology is classified as descriptive with quanti-qualitative approach of the case study type. In regard to data collection instruments, the study uses the guided interview and the documental analysis, categorizing data according to content analysis for interpreting them afterwards. As result of the study, it was observed that its aim is accomplished and by the indicators showed, the process seems to be effective. It is disseminated and understood by managers and operators as relationship instrument with the market and clients as well as the management. In spite of this, the potential of the data generated by the system, as its positive residual effect, does not produce direct effects or managerial actions for the continuous improvement of the organization and its final processes, especially the ones in medium and long term, either resulting from limiting factors of the process architecture and their control indicator, or due to limiting factors inherent to managers. From this viewpoint results the loss of competitiveness and the use of other costly and less efficient information sources, remaining the essential function of each manager, the one related to decision-making, submitted to results not always favorable to the company. In this context, We conclude that the management of CSC data flow provides information relative to diagnosis of the offered services, besides indicating the Regional Board of Directors positioning with regard to the company as a whole. It can be used for formulating tactic actions for decision-making and for continuous evaluation of management and organizational performance. / Analisa o fluxo informacional dos Canais de Atendimento ao Cliente (CAC) da Empresa de Correios e Telégrafos, Diretoria Regional da Paraíba ECT/DR-PB, pela perspectiva da gestão da informação (GI), questionando como as informações desse fluxo influenciam na formulação de ações táticas para a tomada de decisão. O estudo tem como objetivo geral analisar o fluxo informacional dos CAC da Empresa Brasileira de Correios e Telégrafos em sua Diretoria Regional da Paraíba. Compreende-se que o fluxo informacional dos CAC, se tratado de forma sistematizada, apresenta-se como ferramenta valiosa para o diagnóstico qualitativo dos serviços prestados, além de atingir as exigências legais e fazer uma autoavaliação nos processos dos produtos ofertados. Planejar ações futuras e implementar ações corretivas nos processos são as razões que justificam o estudo. Quanto aos objetivos, a metodologia classifica-se em descritiva com abordagem quanti-qualitativa do tipo estudo de caso. Quanto aos instrumentos de coleta de dados, utiliza a entrevista orientada e a análise documental, categorizando as informações segundo a análise de conteúdo para posteriormente interpretá-las. Como resultado do estudo, observou-se que a sua finalidade está atendida e pelos indicadores demonstrados o processo se mostra eficaz por si só, sendo disseminado e compreendido pelos gestores e operadores como ferramenta de relacionamento com o mercado e clientes bem como de gestão. Apesar disso, restou que o potencial das informações geradas pelo sistema, como efeito residual positivo deste, não produz efeitos diretos ou ações gerenciais para a melhoria contínua da organização e dos seus processos finalísticos, sobretudo os de médio e longo prazo, seja em decorrência de fatores limitantes da arquitetura do processo e do seu indicador de controle, seja em razão de fatores limitantes inerentes aos gestores. Dessa compreensão resultam a perda de competitividade e a utilização de outras fontes de informação mais onerosas e menos eficientes, permanecendo a função primordial de cada gestor, a de tomada de decisão, submetida a resultados nem sempre favoráveis à organização. Neste contexto, concluímos que o gerenciamento do fluxo de informações do CAC proporciona informações relativas ao diagnóstico dos serviços prestados, além de indicar o posicionamento da DR frente à Empresa como um todo, podendo ser utilizado para formulação de ações táticas para tomada de decisão e para a avaliação constante da gestão e desempenho organizacional.

Citizens’ interaction with governments is an area with unique implications for channel management. Governments need to take the citizens perspective into further consideration in order to be successful in delivering high-quality e-services. This paper aims to determine if a categorization of citizen-initiated contacts from a citizen-centric perspective can be a valuable basis for decisions regarding e-service development. The study consisted of three steps. The first step was an examination of the existing related literature, which resulted in the uncovering of the most important aspects of citizens channel choice. The second step consisted of an elaboration of a classification based on perceived task characteristics and a subsequent matching of the categories to desirable channel characteristics. The third and final step consisted of an application of the proposed categorization on a content management system containing all citizen-initiated contacts in a Swedish municipality. The application indicated that the proposed categorization could possibly be used to guide investments in e-services towards a channel-appropriate direction.