Electronic banking (e-banking) has emerged the most popular way for retail banks to provide financial services to private households. Stock trading transformed into e-trading as retail banks created comprehensive web portals for customers to perform financial transactions. Low search costs have sparked fierce price competition. For companies to sustain profitability and retain customers, servic...

The banking industry is under pressure. In order to compete, banks should adapt to concentrating on the specific customer needs, following an outside-in perspective. This paper presents the design of a business model for banks that considers this development by providing flexible and comprehensive support for retail banking clients. It is demonstrated that the identification of customer process...

Because banks deal with highly personal detailed and sensitive information, they need to establish and maintain the confidence of their customers more assiduously than most other businesses. The rise of internet banking and the advantages to be gained from the garnering of personal data from websites places banks in a position to exploit customer data in a way that might infringe ethical consid...

Solutions Architecting Method (SAM) is defined as a methodical approach to dealing with the architecture complexity of enterprise information systems in IT solution designs. This comprehensive method consists of eight interconnected modules: Framework for eBusiness Architecture and Technology, Prescriptive Artineering Procedure, Technology Architecture Planning, Architecture Stack and Perspecti...

The task of this background paper is to show that m-payments are likely to become an important section of the retail payment sector and to identify future policy issues related to the development of mobile payments. Both the current market penetration of mobile phones and the expected growth of m-commerce make it highly likely that m-payments will grow considerably within the next few years. Wh...

Grounded in the technology–organization–environment (TOE) framework, we have developed an extended conceptual research model for assessing the value of e-business at the bank level. For the purposes of our research some constructs were added to (TOE) framework such as IT/Business strategy alignment, adequacy of IT professionals, and availability of online revenues. Other factors were excluded s...

Many immunization strategies have been proposed to prevent infectious viruses from spreading through a network. In this work, we study efficient immunization strategies to prevent a default contagion that might occur in a financial network. An essential difference from the previous studies on immunization strategy is that we take into account the possibility of serious side effects. Uniform imm...

The purpose of this study is to assess the impact of disturbances in operation of the Polish banking sector on the effectiveness of monetary policy implementation. The pass-through of changes in market interest rates to retail interest rates, offered by banks to their customers, is analysed in the context of a deterioration in quality of bank credit portfolios, a decrease in bank profitability ...