Internet Banking Developments and Prospects
Short Description
This paper addresses significant gaps in existing knowledge about the Internet banking landscape. Using information drawn from a survey of national bank examiners, we find that while only 20 percent of national banks offered Internet banking in Q3 1999, these transactional Internet banks accounted for almost 90 percent of national banking system assets and 84 percent of the total number of small deposit accounts. All of the largest national banks offered Internet banking, but only about 7 percent of the smallest banks offered it. Among institutions offering Internet banking, large banks are more likely than small banks to offer a broad range of services on the Internet. Matching call report data to the examiner survey information, we also find that banks in all size categories offering Internet banking tend to rely less on interest-yielding activities and deposits than do non-Internet banks, and institutions with Internet banking outperformed non-Internet banks in terms of profitability. Excepted from the superior performance of Internet banks versus non-Internet banks are de novo Internet banks, which were less profitable and less efficient than non-Internet de novos. Projections based on banks’ plans as of Q3 1999 indicate that 45 percent of all national banks will be offering Internet banking by the beginning of 2001. While most of the growth in new Internet banking will be due to small banks coming online, almost half of all national banks had no plans to offer Internet banking. Large banks have more aggressive plans to offer business Internet banking services in the future than small institutions.
Website: www.occ.treas.gov | Filesize: 311kb
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Translating Principles of Web Design and Information Architecture …
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Author Keywords. Interactive television, information architecture principles,. web design deliverables, HCI education. ACM Classification Keywords …
Website: www.brainmates.com.au | Filesize: 175kb
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Guidelines for Accessible and Usable Web Sites Observing Users …
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for good Web design, guidelines for writing for the web. 13. www.w3.org/WAI/ - the Web Accessibility Initiative of the World Wide Web. Consortium …
Website: www.redish.net | Filesize: 892kb
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WEB STYLE GUIDE BASIC DESIGN PRINCIPALS FOR CREATING WEB SITES
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1997), these books comprise a large but largely redundant library of Web design material. The Web Style Guide acknowledges these earlier guides by building …
Website: www.arlisna.org | Filesize: 11kb
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Creating a Secure Computer Virus Laboratory
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Our secure computer virus laboratory has five categories of safeguards: … This is the key distinguishing feature of our computer virus laboratory. …
Website: pages.cpsc.ucalgary.ca | Filesize: 54kb
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Null Object
Short Description
Null Object. Something for Nothing. Kevlin Henney. March 2003. kevlin@curbralan.com. kevlin@acm.org. Abstract. The intent of a N …
Website: www.two-sdg.demon.co.uk | Filesize: 210kb
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Monitoring Design Pattern Contracts
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on monitoring design pattern specifications. In [19], the. authors discuss issues in testing … proach for determining whether design pattern requirements …
Website: www.eecs.ucf.edu | Filesize: 127kb
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