E-Banking
1. INTRODUCTION
As a specific case of E-Commerce, E-Banking is a typical service combining a communication and a distribution channel. E-Banking applications have had a continuous evolution over the time, from their apparition in the context of innovation in the banking sector to the relative standardisation and convergence of current state.
E-Banking developed and evolved rapidly during the last ten years. IT innovations like web-commerce and secure information exchanges have been a trigging factor for EBanking appearance. These IT factors continue to bring pressure to e-banking development. E-Banking functionality is also evolving continuously driven by the necessity to cover new client 's needs and to procure more integration between electronically available banking services. The evolution of demand in online services induces a continuous evolution of the underlying E-Banking applications. This evolution pressure raises a number of interesting questions to developers and maintainers, some of which can be easily extrapolated to other web-based e-commerce applications.
E-Banking can be seen as an advanced Ecommerce activity. Some of the identified issues are valid for other close standing domains, some of them are specific for E-Banking applications evolution. There are some common scenarios for business model evolution in finance and banking domain. Awareness of the existence of the issues is extremely useful for practitioners and academic researchers.
For the first ones, these issues may serve some guideline through the evolution process, for second ones the identified issues represent the field for the wide research. In fact, we identified the existing gap in scientific knowledge that must be completed. We believe that each of the identified issues deserves to be studied deeply. E-Banking applications, as a part of a bank information system, have complex composition and different dimensions: business, technological, and organisational. We plan to
As a specific case of E-Commerce, E-Banking is a typical service combining a communication and a distribution channel. E-Banking applications have had a continuous evolution over the time, from their apparition in the context of innovation in the banking sector to the relative standardisation and convergence of current state.
E-Banking developed and evolved rapidly during the last ten years. IT innovations like web-commerce and secure information exchanges have been a trigging factor for EBanking appearance. These IT factors continue to bring pressure to e-banking development. E-Banking functionality is also evolving continuously driven by the necessity to cover new client 's needs and to procure more integration between electronically available banking services. The evolution of demand in online services induces a continuous evolution of the underlying E-Banking applications. This evolution pressure raises a number of interesting questions to developers and maintainers, some of which can be easily extrapolated to other web-based e-commerce applications.
E-Banking can be seen as an advanced Ecommerce activity. Some of the identified issues are valid for other close standing domains, some of them are specific for E-Banking applications evolution. There are some common scenarios for business model evolution in finance and banking domain. Awareness of the existence of the issues is extremely useful for practitioners and academic researchers.
For the first ones, these issues may serve some guideline through the evolution process, for second ones the identified issues represent the field for the wide research. In fact, we identified the existing gap in scientific knowledge that must be completed. We believe that each of the identified issues deserves to be studied deeply. E-Banking applications, as a part of a bank information system, have complex composition and different dimensions: business, technological, and organisational. We plan to
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