E-FINANCE: THE FUTURE IS HERE

Book ID/图书代码： 10350010B36259

English Summary/英文概要： The first edition of this book was published at a time when only a few banks (mostly foreign) provided Internet banking services in India. Today many banks offer these facilities to their customers and even some medium sized cooperative banks are venturing into adopting core banking solutions with the promise of migration to the internet.
The second edition of E-Finance focuses on system improvements, marketing, customer services, security and legal remedies, amongst others. While issues like web design are briefly touched upon, the emphasis is on the integration of this new channel with the established ’brick-click’ model. The book surveys the spread of internet facilities and the use of mobile phones with internet connectivity; it takes a look at the economic basis for important decisions like pricing, price discrimination and marketing services as well as changes in routine administration, particularly back office functioning. The book also examines the working of e-banking, e-insurance and e-broking. Developments in alternate systems of trading in areas like treasuries and foreign exchange are discussed. Security aspects and legal means available for dealing with crimes are critically examined. Marketing of these services, a comparatively neglected area, along with recent experiences and efforts of some banks are looked at. Finally, the work examines the difficult issues relating to regulation.
While world over the Financial Services Industry is faced with problems as never before, Indian banks (particularly public sector banks) have not suffered significantly and are quite secure. This is an opportunity to show the world that this business model can be used sensibly and with a social purpose. Indian banks can offer services at prices not possible elsewhere. As the author says, "The future is here! May financial institutions exploit it!"

Chinese Summary/中文概要： 本书初次面世时，只有少数的银行(其中绝大多数为外资银行)在印度国内提供网络银行服务。而现如今，这一服务早已遍布各地，可以看到，即使是中小型银行也逐步正将这一技术引入到其核心业务之中。 于是在《电子金融》第二版中，更多的焦点被集中到了系统改进、市场推广、客户服务、安全保障以及法律补偿等方面之上。有关于互联网设备的普及以及移动手机的网路连接，本书进行了细致的研究；同时还对诸如价格确立、价格分歧、营销服务等重要决策，以及日常监督、尤其是后台运作等进行了详述。与此同时，作者对银行、保险以及经纪领域的电子化也进行了分析，其中尤其涉及到了针对犯罪所采取的安全维护以及法律保障等措施。作为相对为人们所忽视的领域，电子化服务的市场营销也会连同多家银行新近所采取的一系列推广举措一道出现在本书之中。最后，文中还要涉及到在立法监管方面所出现的诸多挑战。 正当全球范围内的金融服务行业纷纷遭遇到前所未有的问题之际，印度国内的银行(尤其是国有银行)却并未受到如此巨大的冲击，它们以难以想象的低廉价格向客户们推出一整套的服务，并同时保持着业务方面的稳健与安全。而作者对于它们的表现给予了高度评价，并希望以此为借鉴，帮助更多的金融机构获得成功. (ANDY)

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Format:电子手稿

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