Banks electronic E-BANKING

Introduction:

In the presence of the Internet and popularity and increasing its users, and under tremendous development in computer technology and communication that has exchanged a quick and comprehensive Maumat within the policy and plans flow speed data and the concept of globalization on the line, and coincided with the investment Internet in the field of business mail within concepts of e-business and e-commerce With increasing economic value of the information, in light of all this, the evolution of the concept of on-line financial services to turn the idea of ​​simply implementing acts through a special Khz to his bank and a full network and its contains all the necessary software for banking.

The electronic banking in its modern meaning is not merely a branch of the Bank provides financial services, but also position financially commercially administrative consultant has an independent existence on the line. Refers to a system that allows the customer to access accounts or any information they want and get the various banking products and services through a network of linked by his computer, basic Vmahi images of electronic banks?

However, all of this positive trend in dealing with online banking, can not hide its problems and that starts from the fact that the subject something new on the business dealings, Fbakaddr you enter the service of the facilities in time, effort and money, it carries fraught with problems and worries large, Vmahi advantages and risks commercial banks? What are the strategic actors for the security of electronic banking?

And we will study in this paper the following themes:

· The concept of e-banking and reality;

· Electronic requirements of the Bank;

· Practical problems and solutions in the banking Evidence by electronic means;

· Information Security and challenges of e-banking.



1 - the concept of electronic banking and reality:

Uses the term electronic banking (Electronic Banking) or banks Internet (Internet Banking) as an expression of a sophisticated and comprehensive concepts that have emerged in the early nineties as a concept of financial services by remote control or electronic banking remotely (Remote Electronic Banking) or Bank home (Home Banking) or bank on-lineAnd expressed words (financial service all the time and from any location), was the customer usually related accounts of the bank and be able to access and action offered him service through a special line, and the evolution of the concept of this with the prevalence of the Internet as possible to the customer access through public participation online, but remained idea financial service remotely based on the existence of appropriate software inside a computer system the customer, in the sense that the bank provides the client machine (PC PC) package software - either for free or for a fee financial - and this enables it to carry out certain distance (Bank domestic), or the client gets a software package required by buying them from providers, and I knew these packages as management software personal financial (Personal-Financial-management PFM) such package (Microsoft's Money) and other This concept of financial services remotely is expressed realistic PC Bank (PC banking), a concept-based format is still the most common in the world of e-banking.



1-1 electronic Zaoralbnuk:

In the presence of the Internet and popularity and increasing its users, and under tremendous development in computing technology and communication that have exchanged a quick and comprehensive information within the policy and plans flow speed data and the concept of the information on line, and coincided with the investment website in the field of business mail within concepts of e-business and e-commerce , With the increasing economic value of the information that has become the selected strategic success in business and money, in light of all that, the evolution of the concept of financial services on-line, to turn the idea of ​​simply carrying out the cross-private line and through system software client computer, to a bank to exist entirely on network and its contains all the necessary software for business banking.

The electronic banking - also known as banks or online banks (Web) (Internet Banking or Web Banking) - Despite its relationship to the PC, they did not take all their features and content of the concept of bank PC Advanced noted, Valbermjiat running the bank's website does not exist in the system computer customer, and interest of the large, The World or software provider is not obliged to send new versions and sophisticated software for the client whenever been developed, and can, thanks also to enter the client to its accounts and to the site of the bank and its services than any other system in any place or any time, not just private through his computer, as is the case in the idea of ​​domestic bank or bank on-line. Also learn to use the software is no longer a requirement as a liability on the bank, the site offers so many sites like software provides such a definition.

The electronic banking in its modern meaning is not just a bank branch based provides financial services, but also position financially commercially administrative consultant comprehensive, has a separate existence on the line, if deficit bank itself about the performance of a service among these spammers solution was to resort to related sites that are usually contracted to do the services through the same site the bank, but that one of the most important challenges of competition in the field of electronic banking that financial institutions offer online services were the preserve of banks in the traditional sense. Within this framework, we find some businesses operating in banking purely resulted from their outstanding management site Mali on the network, and became a bank real sense known after it was based - across lines associated - the banks list, and found these same companies after a while have the means to purchase technical and can create rules bank accounts private clients, and give them within market policies facilities to meet their obligations towards it, and then become institutions operating in banking, opening an account, and granting accreditation, and Cash Management, and the transfer of funds, and the issuance of credit cards and fulfill their customers, and others.

Accordingly, and in accordance with the foregoing, the bank's website refers to a system that allows the customer to access accounts or any information he wants and get various banking products and services through a network of information associated his computer or any other means.



1-2 varieties electronic banking:

Not every site on the internet bank means a bank electronically, and will continue to determine the bank standard electronic questionable in our environment to be disciplined legislative setting the standard in this field.

According to studies points of supervision and control of American, European, there are three basic images of electronic online banks (2):

1 - informational site, a basic level of electronic banks or what might be called in the minimum of electronic banking activity, and through him, the bank provides information about its programs and banking products and services.

2 - Location communication so as to allow some sort of location communication exchange between the bank and its customers such as e-mail and fill orders or on-line forms or modify restrictions information and accounts.