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Procedure for Creating a Virtual Multibank Agent


  • Lozano Carmen

    (Professor, Department of Financial Economy and Accounting, Universidad Polit├ęcnica de Cartagena, Spain)

  • Fuentes Federico

    (Professor, Department of Economy. Universidad Polit├ęcnica de Cartagena (Spain).)


In this paper, we propose a procedure that makes it possible to create a virtual multibank agent that will assist potential banking customers in their decision making, who are demanding with respect to the level and quality of the banking services that they would like to receive, particularly when it comes to deciding to invest their savings or apply for financing for their expenses. The virtual multibank agent would act on two levels: first, it would optimize navigation through an online banking website; and secondly, it would sort through the banking information available online and refine this information in order to offer the best option among those available. Tabu search algorithms and the use of intelligent agents based on fuzzy logic by means of prior categorization are techniques that have proven to be useful in applications for the optimum distribution of information in the shortest amount of time possible, and the search for the best solution among all those available.

Suggested Citation

  • Lozano Carmen & Fuentes Federico, 2012. "Procedure for Creating a Virtual Multibank Agent," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 2(1), pages 163-170, March.
  • Handle: RePEc:asi:aeafrj:2012:p:163-170

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    References listed on IDEAS

    1. Houda Ben Hadj Boubaker, 2011. "The Forecasting Performance of Seasonal and Nonlinear Models," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 1(1), pages 26-39, March.
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