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ElectronicBanking-JohnWiley
Electronic Banking Outline Retail payments and financial services Electronic banking products for the wholesale market Electronic money Large-dollar transfers Electronic Banking Bank and nonbank providers of bill paying, money market accounts, automatic teller machines, debit cards, and other electronic financial service. Began with telegraph in 1870s. ATMs are best example, which began in 1968 and now about 200,000 in number in the U.S. Internet is stimulating rapid growth of electronic financial services. Cash and checks dominate volume of payments transactions, but value of transactions is dominated by electronic transfers. Retail payments and financial services Individual payments for goods and services by cash and checks. Electronic payments will lower the costs of operating the payments system. Geographic boundaries for delivering retail banking services is diminished or eliminated by electronic services. Privacy issues and potential for fraud and theft. Internet banking for bill payments and brokerage services. Also wholesale services for corporate customers, such as derivatives trading, foreign exchange, letters of credit, and global treasury services. Automatic Teller Machines (ATMs) can be proprietary systems, shared/regional systems, and national/international systems. Full-service ATMs to merely cash dispensers are available. Retail payments and financial services ATM fees: Assume a $300 cash advance is requested by customer using Citibank’s Gold Advantage credit card. Finance charge = 3% or $9. Interest rate on cash advance = 19.99% or $3.97. Annual Percentage Rate (APR) = ($9 + $3.97) x 12/$300 = 51.88% Interest rate accrues daily until payment is made in full. Conclusion: cash advances are encouraged due to high yields for banks. Retail payments and financial services Electronic bill presentment and payment (EBPP): Recurring bills and preauthorized debits to checking accounts (e.g., utility, insurance, and credit card bills). Decreases
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