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Risk And Inovation In E-Banking

Author

Listed:
  • Cezar Mihalcescu

    (Romanian American University)

  • Beatrice Ciolacu

    (Romanian American University)

  • Florentina Pavel

    (Romanian American University)

  • Cristina Titrade

    (Romanian American University)

Abstract

Banks should provide their customers with convenience, meaning offering service through several distribution channels (ATM, Internet, physical branches) and have more functions available online. Other benefits are expanded product offerings and extended geographic reach. This means that banks can offer a wider range and newer services online to even more customers than possible before. The benefit which is driving most of the banks toward e-banking is the reduction of overall costs. With e-banking banks can reduce their overall costs in two ways: cost of processing transactions is minimized and the numbers of branches that are required to service an equivalent number of customers are reduced.

Suggested Citation

  • Cezar Mihalcescu & Beatrice Ciolacu & Florentina Pavel & Cristina Titrade, 2008. "Risk And Inovation In E-Banking," Romanian Economic Business Review, Romanian-American University, vol. 3(2), pages 86-91, June.
    • Handle: RePEc:rau:journl:v:3:y:2008:i:2:p:86-91
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    Keywords

    e-banking; risk; innovation;
    All these keywords.

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