By next decade, mobile banking may take over as preferred channel in the tribal regions of Africa and world may follow the pattern. Bangladesh has successfully tested mobile banking for have-nots and again proving a point to the word that micro-banking is not the only aspect they are leading, given the size and status of their economy.
Maintaining e-banking infrastructure
Developing and maintaining Internet banking is extremely tough call for a modern day banker. At one side the cost and efforts of maintenance of e-banking infrastructure may not necessarily justify the benefits to bank of every size. And at the same time, cost of not providing good internet banking platform is also huge and may affect the opportunities loss for banks. Having said that, in todays context, providing full-service Internet banking platform is more of when and not if and the benefits are comparable to chicken or egg theory.
Pre-Y2K
In the first generation of Internet banking, i.e. pre Y2K era, banks in the developed world provided basic facilities such as view balance, e-statements, check-book request, stop payment instructions, electronic bill payment etc.
Post-Y2K
In post Y2K era banks aggressively adopted various services such as electronic bill presentment and payment, customized reporting, account aggregation over multiple bank accounts, investment banking, also portfolio/investment management, comprehensive money management, and trade finance etc.
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