On-Line Banking

Paper Summary:

This paper examines three on-line banking websites--Washington Mutual, Chase and Wells Fargo--by using several criteria such as overloading, consistency of image, grammar and spelling, speed of loading, functioning links, ease of use and overall impression: The Wells Fargo website was judged to be the best. The author stresses that banks must consider the requirements for protection of rights and interests of depositors, establishment of stability and confidence in financial markets and requirements for economic development in both their brick-and mortar and online operations. The paper relates that e-Business has changed the way in which banks must operate in the areas of customer relations (CRM), the banking supply chain, customer-based marketing that provides many customers services and immediately becoming an international entity through their presence on the internet.

Table of Contents
Introduction
Evaluation of Web sites
Washington Mutual
Chase
Wells Fargo
How Web Sites Differ
Washington Mutual
Chase
Wells Fargo
Bank Supply Chain in a Brick-and-Mortar Setting
Web Site Supply Chain Modifications
Marketing Tools
Washington Mutual
Chase
Wells Fargo
Customer Service
Washington Mutual
Chase
Wells Fargo
Legal, Ethical and Regulatory Issues
Security, Confidentiality and International Issues
Washington Mutual
Chase
Wells Fargo
Conclusion

From the Paper:

"To compete successfully in the highly competitive marketplace, banking Web sites must strive every day to deliver consistent levels of performance and experience as perceived by users. Site performance must be formatted to accommodate speed reliability factors, and display what type of company they portray themselves to be. There are ten areas that Web sites are measured against: Response time (over high speed, DSL, and dial up connections), response consistency, geographic uniformity, load handling, page design, network connectivity, site reliability, and outage hours."

More papers on On-Line Banking:

• Analytical Essay # 61771 : "On-Line Banking"
• Research Paper # 38759 : "Internet/On-Line Banking and Financial Services"
• Research Proposal # 112909 : "On Line Banking"

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