Luận văn a study on electronic banking the case of bank for investment and development of vietnam

Income fiom E-Banking increases banks” cevenu TH: STATUS QUOS OF ELECTRONIC BANKING IN BIDV LJectroni¢ Banking using ä telephone coniiection.... BIDV is getting stuck of finding ways d

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VIETNAM NATIONAL UNIVERSITY, HANOI

SCHOOL OF BUSINESS

Nguyen Thi Tuyet Le

A STUDY ON ELECTRONIC BANKING

THE CASE OF BANK FOR INVESTMENT AND

DEVELOPMENT OF VIETNAM

Major: Business Administration

Code: 60 34 05

A -L0/ gỡ

MASTER OF BUSINESS ADMINISTRATION THESIS

Supervisors: Dr.Nguyen Viel Anh

Hanoi — 2010

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Outline

BASICS OF LLECTRONIC BANKING

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Lit Fhe Histors of Hectronie Banking, eee - M

12', Electronic Banking using a telephone connection 7 10

Phane banking Mobile banking :Jectronic Banking using personal computers

[23 Others: Means of payment and self-service zones „

[LBL Paymenteard Trereree cece UT 1.2.3.2 EETPOS (Electronic fund transter at point of sale) 18

1.2.3.3, ATMS(Autemated Teller Machine) sete se TÑ 121,4 Electronic walle - ¬— 1G 1.2.3.8, Self-service zone

13 ADVANTAGES AND DISADVANTAGES OF ELECTRONIC BANKING 20

"` I 3 The Advantages of Electronie Banking - — 1.3 The Disadvantages of Eleetronic banking 33

1,4 ELECTRONIC BANKING RISKS

Lat, Transaction/operations risk

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: Cards’ market share of banks

+ ATM's market shares of banks

LIST OF FIGURES

~ Basie diagram of E-banking

General trend ín I:-banking evolution —

Strategic options for vnferineg c-banking

Redefining the Primary Role of Banh Branches Thun coe

Interface ol Directbanking service

ATM network in Vietnam

POS's market share of bunks 68

Process of intemational economic integration in Vietnam

Vhe growth of numbers of card holders in Vietnam

: Number of bank accounts by percentage of population and number of

Internet users in Vietnam by percentage of population a4 E-banking objeetives öŸ BIDV cac ÑỮ

BIDV’s Strategic options [or enlcring c-banking 90

Markeling siralcgx pfe-hanking 192

xi

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LS ELECTRONIC BANKING STRATEGIC OPTIONS FOR BANKS

CHAPTER

2.1 BEECTRONIC BANKING IN VIETNAM

2.141 The development of Electronic Banking ín Vicutiam

2.1.2 Electronic Banking services in Victim occ seccesssnesscenn cesses

‘Trend in economic globalization

Compelilion pressure from banks

Income fiom E-Banking increases banks” cevenu TH: STATUS QUOS OF ELECTRONIC BANKING IN BIDV

LJectroni¢ Banking using ä telephone coniiection

Banking Short Message Service Llectronic Banking using personal computers

Home banking

Internet banking; Direet Ranking

Others: Meuns of payment and self-service zones

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LIST OF TABLES

lable 2.1: BID V's business performance in the period 2005-2008

Vable 2.2: BSMS's business performance 2007-2008

Tuble 3,3: Home bankingˆs business performance nf BIDV 2007-2008 S

Vable 2.4: Card service's business performance of BIDV 2007-2008

Vable 3.1: Estimation of personal computer users in Vietnam

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3.1.2, Legal basison completion

3.1.3 Highly potential market with over 85 mitlion people and higher level of people`s knowledge, strony development of internet Services io sense « eons weanenenennane ve BT

3.1.4 The application of information technology has achieved stages of development 84

3.2 ORIENTATION AND STRATEGIC OPTIONS FOR DEVELOPING

33 SOLUTIONS TO DEVELOP AND IMPROVE ELECTRONIC BANKING

334 Complete the information technology and build an internal information system,

3.3.3 Frequent assessment and study of customer segmentation and vị

service quality product & service diversification for e-banking customers 1 95

3.3.4 Impulse to relationship with customers, establishment of contact center, and supply

of inforntation and instruction in e-banking use ta convince customers to stick at service

quality ¬— - ¬—-.- — - seca OO

3.3.5 Improvement af human resaufee qUAHY sex we 97

3.3.6, Improvement of the bank's financial power cueeeeeeeasromsersersr TUỔ

3.3.7 Exploitation of retail services via the inlernet the use ef curd services, electranic

1a TÌM

payment provided by commercial hanks

102 Los

3.3.8 Promotion of produet marketinp eeu «eeeeeososree

3.3.9 Other selutivns

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1a TÌM

102 Los

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necessary of des elopment of e-banking services, BIDV quickly deployed these in past years Although, some results have been gained BIDV is getting stuck of finding ways

develop and improve its e-banking services professionally

The thesis “A stady on electronic banking - The Case of Rank for Investment and Development of Vieinam (BIDV)" aimed to study electronic banking and propose

solutions for improving and developing lurther e-banking services in BIDV,

The objectives of this thesis are to (a) review basic concept of electronic banking, (b) Provide an ov ervicw of the potentials and future perspectives af e-banking

development in Vietnam, and the adoption of e-banking in BIDV and analyze its

current e-banking services fo Hind out the problems of BEDY in adopting e-banking (c)

propose solutions to improve and develop e-banking service in BIDV

lòng is as follows:

‘The complete list of research ques

® What are the potentials and future perspectives of e-banking development in

VieInam?

For the theoretical faundation this thesis will study ¢-hanking thearies in the

world

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CHAPTER

Home banking

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3.4 RECOMMENDATIONS

3l Recommendation far the GoXEDANIHẨ cc ecsecseserssseas anatase

3.4.2, Recommendations for The State Banh of Viettamm., à co eiieerree

3.4.3 Recommendations for Vietnam Bank Association (VBAL

CONCLUSION,

106

= 106

107 l09

M

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VieInam?

world

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1a TÌM

102 Los

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VieInam?

world

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imponance is stil] continuing to increase Branches, which have had tradi

af conducting business and interaction between parties have also been influen

the Internet and gone through many changes One of these traditional branches

banking industry which during the middie of the 1990s started offering banking

services over the Internet The changes lead to that the physical interaction in the bank

office environment between the banks and their customers has diminished and been

replaced hy customers conducting their errands from their homes and businesses The joss of interaction between the banks and their customers has evoked my interest in the

subject of developing e-banking services

Electronic banking (e-banking) is the newest delivery channel for banking,

services, The definition of e-banking varies among researches partially because

electronic banking refers to several types of servives through which bank customers

can request information and carry out most retail banking services via computer

television ar mobile phone

In recent years Vietnam’s commercial bank system has had strong changes in bank's scale as well ay service quality Especially, some banks bravely experiment and provide e-banking services for customers bringing much convenience and

efftclix eness [or customers hanks and the economy However, most customers still

reserve und use restric! because the concept of e-banking is quile new and strange Dut

to many reasons (finanec, technology, human resources ) some banks have no c- banking services and/or e-banking is leaved open Understanding the impertanee and

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1a TÌM

102 Los

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CHAPTER

Home banking

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LIST OF FIGURES

xi

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LIST OF FIGURES

xi

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CHAPTER

Home banking

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LIST OF TABLES

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3.4 RECOMMENDATIONS

CONCLUSION,

106

= 106

107 l09

M

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1a TÌM

102 Los

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VieInam?

world

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LIST OF TABLES

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imponance is stil] continuing to increase Branches, which have had tradi

af conducting business and interaction between parties have also been influen

the Internet and gone through many changes One of these traditional branches

banking industry which during the middie of the 1990s started offering banking

services over the Internet The changes lead to that the physical interaction in the bank

office environment between the banks and their customers has diminished and been

replaced hy customers conducting their errands from their homes and businesses The joss of interaction between the banks and their customers has evoked my interest in the

subject of developing e-banking services

Electronic banking (e-banking) is the newest delivery channel for banking,

services, The definition of e-banking varies among researches partially because

electronic banking refers to several types of servives through which bank customers

can request information and carry out most retail banking services via computer

television ar mobile phone

In recent years Vietnam’s commercial bank system has had strong changes in bank's scale as well ay service quality Especially, some banks bravely experiment and provide e-banking services for customers bringing much convenience and

efftclix eness [or customers hanks and the economy However, most customers still

reserve und use restric! because the concept of e-banking is quile new and strange Dut

to many reasons (finanec, technology, human resources ) some banks have no c- banking services and/or e-banking is leaved open Understanding the impertanee and

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3.4 RECOMMENDATIONS

CONCLUSION,

106

= 106

107 l09

M

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LIST OF FIGURES

xi

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CHAPTER

Home banking

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CHAPTER

Home banking

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LIST OF FIGURES

xi

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VieInam?

world

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LIST OF FIGURES

xi

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CHAPTER

Home banking

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CHAPTER

Home banking

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LIST OF TABLES

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VieInam?

world

Tiêu đề	A study on electronic banking: the case of Bank for Investment and Development of Vietnam
Tác giả	Nguyen Thi Tuyet Le
Người hướng dẫn	Dr. Nguyen Viel Anh
Trường học	Vietnam National University, Hanoi – School of Business
Chuyên ngành	Business Administration
Thể loại	Luận văn
Năm xuất bản	2010
Thành phố	Hanoi

Định dạng
Số trang	75
Dung lượng	159,82 KB