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من کارشناس ارشد مدیریت دولتی ،گرایش منابع انسانی هستم و در زمینه بانکداری دارای بیست سال سابقه کاری در بانک ملت می باشم و دروس بانکداری را در دانشگاه های مختلف تدریس می کنم و از سال 1381 پست مدیریتی دارم و مدت دو سال هم ریس حوزه غرب استان مازندران در بانک ملت هستم.
هدف از ایجاد این وبلاگ ارائه تجربیات بانکی و درج مقالات علمی در ضمینه بانکداری به بازدید کنندگان محترم است.

سخنی با كاربران محترم وبلاگ

پیش از هر چیز از كلیه دوستانی كه ما را مورد لطف قرار داده اند سپاسگزاریم.

از كلیه دوستانی كه مایل به درج مقالات خود در این وبلاگ هستند خواهش مندیم تا با مدیر وبلاگ تماس بگیرند.

برای پاسخ به سوالاتی كه مطرح میشود ما طبق برنامه سوالات را با دانشجویان مطرح و از ایشان درخواست مقاله در ضمینه سوال مطرح شده می كنیم . لذا از تاخیری كه در پاسخ سوالت پیش می آید قبلا عذر خواهی می كنیم.

به زودی از منابع ترجمه در ضمینه بانكداری الكترونیك استفاده خواهیم كرد.

از پیشنهادات و انتقادات شما استقبال می كنیم


عطااله فدایی
آرشیو مطالب
نویسندگان
صفحات اضافی
گزارشی از ...6 -سوئیفت چیست ؟
گزارشی از ..5 - سامانه تسویه ناخالص آنی- ساتنا
گزارشی از ..4 - مدیریت وبرنامه ریزی استراتژی
گزارشی از ...3 -مدیریت ریسک
گزارشی از ...2 - راهنمای استفاده از اینترنت بانک برای مشتری
گزارشی از نحوه عملکردسیستم بانکــی ومدیریت وبرنامه ریزی استراتژی
پول شویی 2 /
پول شویی1 /محقق مجتبی ثمر بخش طهرانی
مدیریت دانش 2
مدیریت دانش 1
مراحل گشایش اعتبار اسنادی 2
مراحل گشایش اعتبارات اسنادی /محقق فهیمه پور مهربان
صندوق بین المللی پول3
صندوق بین المللی پول2
صندوق بین المللی پول1
مالیه عمومی و تعیین خط مشی دولت2
مالیه عمومی و تعیین خط مشی دولت1
تورم 5 /احسان شمس
تورم 4 /احسان شمس
تورم 3 /محقق احسان شمس
تورم 2 /احسان شمس
تورم1/محقق :احسان شمس
باتکداری الکترونیکی2 /محمد حسین آقازاده و پیام رضازاده
باتکداری الکترونیکی1/محققین :محمد حسین آقازاده و پیام رضازاده
تورم/محقق امید رمضانپور
بانکداری الکترونیک و سیرتحول آن در ایران 3 /محقق مریم مجدی
بانکداری الکترونیک و سیرتحول آن در ایران 2 /محقق مریم مجدی
بانکداری الکترونیک و سیرتحول آن در ایران 1/محقق مریم مجدی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق9/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق8/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق7/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق6/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق5/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق4/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق3/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق2/عطااله فدایی
شیوه‌های اعتبارسنجی مشتریان ـ مطالبات معوق1 /عطااله فدایی
پول شویی/محقق محمد انصاری جاوید
سیر تحول بانکداری اینترنتی در بانک پارسیان-فصل دوم2/محقق مهدیه اشکوری
سیر تحول بانکداری اینترنتی در بانک پارسیان-فصل دوم/محقق مهدیه اشکوری
سیر تحول بانکداری اینترنتی در بانک پارسیان-فصل اول/محقق مهدیه اشکوری
نقشه راه بانکداری نوین ایران :نظام پرداخت نوین بانکداری الکترونیک (3 )
نقشه راه بانکداری نوین ایران :بانکداری یکپارچه (2)
تعریف بانکداری(1)
تاریخچه بانکداری الکترونیک در جهان
لیست موضوعات پژوهشی در حوزه بانکداری الکترونیک و مجازی
بانک ملت از آغاز تا امروز
آمار و امكانات
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بازدید دیروز :
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Evaluation of the Survey

In the second part of the study, a survey was conducted to aim at determining
IB users’
perception level of IB services. 630 survey forms were sent to different
cities across
Turkey by post, of which 527 were returned. Of these returned
forms,  466 had been
completed fully, whereas 61 survey forms were not included
 in the  analysis because
there were missing values. The sampling group consists
of bank customers from
different professions.
The demographic profiles of the sampling group were expalined by the help of
frequencies and percentages. Then, the factors affecting IB use of the bank
 costumers
and the effect of demographic features on the IB use of bank
costumers  were examined
by the help of cross tabs and logistical regression
analysis.
 Finally, the extent to which
participants’ IB perception levels affect frequency
and time duration of IB use were
investigated via the multiple regression
 analysis. The findings of the study have been
evaluated below
ارسال شده توسط حمید کیاده در ساعت 03:20 ق.ظ | نظرت شما ()
An Evaluation of Internet Banking in Turkey


Melek Acar Boyacioglu, PhD


By : Ata Fadaee
========================
Asst. Prof. /Selcuk University, Faculty of Economics and Administrative
 Sciences,
Department of Business Administration
Postal Address:Selcuk University, Faculty of Economics and Administrative
Sciences,
Department of Business Administration, Campus 42031, Konya,
Turkey
Email: melekacar@yahoo.com
Dr. Acar Boyacioglu is an Assistant Professor of Finance, Department of
Accounting and
Finance, Selcuk University, Turkey. She received a PhD in
 Finance from Selcuk University. Her
research interests include financial
modeling, forecasting and applications of artificial intelligence
techniques
in finance. She has published articles in the Expert Systems with Applications.

Tevfik Nadi Hotamis, MBA
Postal Address: Denizbank, Denizbank, Konya, Turkey
Email: tevfik.hotamis@denizbank.com
Hotamis graduated from Faculty of Economics and Administrative Sciences,
Selcuk University
with bachelor’s degree in 1999. He has received his master’s
degree from the Institute of Social
Sciences as Master of Science in Business
 Management at Selcuk University in 2008. He has
been working as a investment
 manager at a private bank since 1999.

Huseyin Cetin, M.Sc.
Selcuk University, Social Sciences Vocational School of Higher Education
Postal Address: Selcuk University, Social Sciences Vocational School of Higher
 Education,
Campus 42031, Konya,Turkey
Email: hcetin42@gmail.com
Cetin graduated from Faculty of Economic and Administrative Sciences,
Selcuk University with
bachelor’s degree in 1999. He has received his master’s
 degree from the Institute of Social
Sciences as Master of Science in Business Management at Selcuk University. His PhD study is
continuing as a Business Management student at the stage of thesis dissertation.
Since
September 2005 he has been lecturing Finance, Accounting, Auditing and
 Cost Analysis at
Selcuk University.
======================

Abstract

The present study is an attempt to examine the performance of Turkish banks
in  terms of providing banking products and services through their web sites. A representative sample of 22 banks operating in Turkey was included in this study.
The websites of these banks have been analyzed in terms of the financial
transaction,non financial transaction, speed, security, uninterrupted
serviceability and visual design. Research is conducted in 2009 and shows
that Turkish banks perform  extremely well in IB. This study also investigates
the level of adoption of IB in Turkey. A survey is conducted to obtain customers’ perspectives regarding IB. According to the results obtained from the survey;
all of the participants who did not use IB found IB difficult.

They did not know how to use IB or found IB service insecure and unclear.
Therefore, they prefer face-to-face banking. Moreover, it was observed that the
levels of education and income were the factors that most affected IB use.
It was concluded that the clients who found IB easy and thought that it served
 their purpose had been using IB for a longer time. On the other hand, usefulness,
web security and personal views did not have a significant influence on the
durationof IB use.


Keywords: Internet Banking, Websites Evaluation, Customer Adoption, Turkey.

ارسال شده توسط حمید کیاده در ساعت 02:59 ق.ظ | نظرت شما ()
Challenges Faced by Sudanese Banks in Implementing Online Banking :


Banker's Perception



Nafis Alam, PhD

Lecturer, School of Business, Monash University, Sunway Campus, Bandar
Sunway, Selangor, Malaysia
Postal Address: Monash University, Jalan lagoon Selatan, Bandar Sunway, 46150,
Selangor, Malaysia
Author's Personal Website: http://www.buseco.monash.edu.my/school-staff/Nafis Alam.html
Email: nafis.alam@buseco.monash.edu.my

Nafis Alam is currently attached to the School of Business at Monash University
 Sunway
campus, where he works as Lecturer (Islamic Finance). Nafis has
co-authored
“Encyclopedia of Islamic Finance” which is first of its kind.
He has also two co-authored
Islamic finance book to his credit.
He has published extensively touching on major
issues concerning Islamic
 finance particularly in leading Islamic journals. He has also

presented and participated in leading Islamic banking conferences.
 Alam’s main
interests are in the area of Islamic Banking, E- Banking, ICT
and National Development.

Ibrahim Hussien Musa Magboul, MBA
Lecturer, School of Management Studies, Ahfad University for Women,
Omdurman, Sudan
Postal Address: Ahfad University for Women, Omdurman, Sudan
Email: ibrahimmagboul@gmail.com
Mr, Ibrahim is lecturer at Ahfad University for Women in Sudan. Currently he
 is pursuing
his PhD from Multimedia University Malaysia.
Murali Raman, PhD
Senior Lecturer and Chairman, Center for Knowledge and Innovation
Management, Multimedia University Malaysia
Postal Address: Persiaran Multimedia, 63000, Cyberjaya, Selangor Malaysia
Email: murali.raman@mmu.edu.my
Dr. Raman is the Chair of the Center for Knowledge and Innovation Management,
 at
Multimedia University Malaysia. Prof. His areas of interest are
 Knowledge Management,

IT Infrastructure & Security Management and People Issues in
 Management of IT.


==================
By Ata Fadaee

Abstract


Innovations in Information technology have changed the way financial
transactions are
done in banking industry globally. Online banking uses
today’s computer technology to
give user the ability to manage their
finances more quickly and efficiently, from anywhere
around the world,
 and with just a click of the mouse.
Banks perceive online banking as a
powerful ‘value-added’ tool to attract
and retain new customers while helping to eliminate
costly paper handling
and teller interactions. Online banking has managed to provide

customers the convenience, efficiency, effectiveness, and most importantly,
the speed
needed in today’s dynamic world. As more banks around the world
are offering online
banking to its customers, it is becoming a rather popular
 trend. Online banking is an
asset both to the bank and the customer. However,
countries like Sudan are yet to join
the frenzy of this new innovation in an
effective manner. This paper will investigate what
are the challenges faced by
 Sudanese banks in implementing online banking.


Keywords: Online Banking, Islamic Banking, Sudan



INTRODUCTION

Sudan is one example of a country that has yet to incorporate online banking into
its
banking system. Online banking presents both an opportunity and a challenge
in terms
of being able to provide the convenience, efficiency, and effectiveness
 of online banking
to its customers. The main driver behind online banking is
 convenience. It is available
around the clock, is extremely time-saving, and is
 accessible from anywhere around the
world.
 Online banking is very efficient, and has helped cut down a lot of costs,
 and in the
case of virtual banks it has cut down almost all costs.
Banking on net save money by eliminating overhead costs such as buildings
 and tellers,
and they pass on these savings to their customers in the form of
higher yields, lower
fees, and more generous account thresholds
(DiDio, 1998, Orr, 1999). The online
banking service has recently become
very effective, offering sophisticated tools,

including account aggregation, stock quotes, rate alerts, and portfolio
managing
programs to help their customers manage all their assets more
 effectively (Tan &
Teo,2000, Thornton & White,2001, Wah, 1999) .
With all these opportunities that online banking has to offer the Sudanese
 banking
system, there are a number of challenges that it would first have
 to overcome. Sudan’s
banking system is not currently tailored to provide
online banking. It lacks the
appropriate technological infrastructure to
 support this service. There is also a lack of
specialists with the adequate
technological skills to build that infrastructure. It might also

be a challenge to convince the Sudanese customer of the convenience of online
JIBC August 2010, Vol. 15, No.2 - 3 -
banking, especially those who are not familiar with using the internet, and who
 might find
it hard to try to deal with a service that they consider confusing and frustrating.
Incorporating online banking into Sudan’s banking system is faced with lot of
 stumbling
blocks, but if the banking industry manages to overcome those
hurdles, it will acquire a
tool that will increase its number of satisfied clientele,
while cutting down its costs
significantly.

ارسال شده توسط حمید کیاده در ساعت 01:23 ق.ظ | نظرت شما ()
عناوین آخرین مطالب ارسالی
An Evaluation of Internet Banking in Turkey 2
An Evaluation of Internet Banking in Turkey 1
Challenges Faced by Sudanese Banks in Implementing Online Banking
مراودات مالی 45 میلیارد دلاری ایران با 39 بانك بزرگ دنیا
جهش خدمات بانکداری الکترونیک در بانک ملی
رفع محدودیتهای تاسیس 6 بانک خارجی در ایران
تشریح علل و عواقب افزایش مطالبات معوق در گفت‌وگوی دو ساعته با خاوری2
تشریح علل و عواقب افزایش مطالبات معوق در گفت‌وگوی دو ساعته با خاوری1
تازه‌های وب و اینترنت؛
بررسی تاثیر قوانین بانكداری بر عملكرد اقتصادی یا سیاسی نظام بانكی كشور
بازخوانی یك تجربه جهانی برای یافتن الگویی برای ایران/2
/بازخوانی یك تجربه جهانی برای یافتن الگویی برای ایران/1
عضو هیات علمی پژوهشكده امور اقتصادی در گفت‌وگو با فارس مطرح كرد:
تاسیس بانک اصناف،رویایی که محقق نمی شود
بررسی فن آوری های اولویت دار كشور
صندوق بین‌المللی پول:
دکتر بهمنی:'
از ابتدای سال 2010 میلادی
تدابیر بانك مركزی در سال 89 برای نظارت بر سیستم بانكی
گزارش تحلیلی مقایسه ای فارس از
تحلیل عوامل اقتصادی اثرگذار بر پدیده فسادمالی
بانک رفاه و بانکداری الکترونیکی2 مهدی خواجوی
تحقیق دانشجویی
تحقیق دانشجویی
تحقیق دانشجویی
سوئیفت چیست؟2
تحقیق دانشجویی
اعتبار اسنادی 2
تحقیق دانشجویی
تحقیق دانشجویی