In the presence of the Internet and the popularity and the increase in users, and in light of the enormous development in computer technology and communication that have achieved rapid exchange and comprehensive Maomat part of the policy and plans of flow-speed data and the concept of globalization on the line, and coincided with the investment of the Internet in the field of commercial activity-mail within the concepts of e-business and e-commerce , With the increasing economic value of information, in light of all this, the concept of financial services on the line to turn the idea of just work through the implementation of Kz particular bank that has a full network and contains all of its software for banking.
The electronic banking in its modern meaning is not merely a branch of the Bank provides financial services, but also signed a financial business management consultant has an independent existence on the line. It refers to a system that allows the customer to access his accounts or any information they want and access to various banking products and services through a network of associated by his computer, images Vmahe basic e-banking ? g
But all this positive trend in dealing with online banking, can be hidden problems, which starts from the fact that the topic was nothing new to trading, In as much that you enter the service of the facilities at the time and effort and money, it is fraught with problems and concerns, a large, Vmahe the benefits and risks commercial banks? What are the strategic actors to the security of electronic banking? 1
:We will be studying in this paper the following points
The definition of e-banks
*
*
E-bank's requirements *
Problems and practical solutions in the banking evidence by electronic means *
Information Security of Electronic Banking and challenges *
-1
:e-banking concept and reality
Uses the term e-Banking (Electronic Banking) or banks, Internet (Internet Banking) as an advanced and comprehensive concepts that have emerged in the early nineties as a concept of financial services by remote control or electronic banking remotely (Remote Electronic Banking) or Bank Home (Home Banking) or Bank on Line (Online Banking) or financial services Self (Self - Service Banking), and all expressions related to the fact that customers manage their accounts and complete tasks related to the bank on the way home or office or anywhere else in the time that the customer wants (1). And is expressed in words (financial service at any time and any place), and the customer is usually related to its accounts at the bank and be able to access and action offered by a service through a special line, and the evolution of the concept that with the popularization of the Internet as possible to the customer access through the public participation via the Internet, but it remained the idea of financial service distance is based on the presence of suitable software within the computer system, the customer, in the sense that the bank provides the client machine (PC PC) package of software - either free or for a fee financial - and this would enable it to carry out a certain distance Bank (Domestic), or the client gets a package of software required by purchase from providers, and I knew these packages on behalf of the management software, personal finances (Personal-Financial-management PFM) such as a package (Microsoft's Money) and others, this concept of Financial Services after that is expressed by the Bank and a realistic personal computer (PC banking) and a concept-based format is still the most common in the world of work e-bankin. 1
1-1
: the emergence of electronic banking
In the presence of the Internet and the popularity and the increase in users, and in light of the enormous development in the techniques of computing and communication that have achieved rapid exchange and comprehensive information within the policy and plans of flow-speed data and the concept of the information on line, and this was accompanied by exploiting the Internet in the field of commercial activity-mail within the concepts of e-business and e-commerce , With the increasing economic value of the information that has become the selected strategic success in business and money, in light of all this, the concept of financial services on the line, to turn the idea of just the implementation of the business through a special line and through the software system the client computer, to a bank to exist entirely on the network and contains all of its software for banking activitie. s
The electronic banking - also known as banks or Internet Banking (Web) (Internet Banking or Web Banking) - although their relationship to the PC, it did not take all the features and content of the concept of Bank PC Advanced noted, Valbermjiat running the bank's website does not exist in the system computer customer, and the interest of that large, bank, or the software supplier is not obliged to send versions of new and advanced software for the client whenever developed, and can, thanks also to enter the client to the calculations and to the Bank's web site and services than any other system in any place or any time and not only through their computer's as is the case in the idea of domestic bank or the bank on the line. Also, learn to use the software is no longer a requirement as an obligation on the Bank, The site allows this and many sites offer software like such a definition
The electronic banking in its modern meaning is not merely a branch of the existing bank provides financial services, but also position financially commercially administrative consultant comprehensive, it has an independent existence on the line, if unable to bank itself about the performance of service of these frames solution was to resort to related sites that are normally contracted for services through the same site the bank, but that one of the most important challenges of competition in the field of electronic banking to financial institutions that provide web services that were the preserve of banks in the traditional sense. In this context, we find some of the businesses operating in banking purely caused by its unique management site of Mali on the network, and became a bank a real sense yet known whether it depends - through the lines associated with them - on the banks list, and found these same companies after a while have the means to pay cash technical and can create the rules of bank accounts, private clients and give them a part of their marketing policies facilities to meet their obligations towards it, and then became the institutions operating in banking, opening an account, and the granting of credit, payment and management of cash, transfer funds, and issuing credit cards for their customers and to fulfill, and others.
Accordingly, in accordance with the above, the bank refers to the electronic system, which allows the customer to access his accounts or any information they want and get the various banking products and services through a network of information related his computer or any other means.
1-2varieties of electronic banking 1
Not every site of the Bank on the Web means a bank electronically, and will continue to be the criterion for determining the bank's website questionable in our Arab to be a legislative determination of disciplined in this field.
According to studies points of supervision and control of the U.S. and Europe, there are three basic
(images for e-banking on the Internet)
1
Site Information is the basic level of e-banking or what might be called in a minimum of activity, electronic banking, and through him, the bank provides information about its programs and
.products and services
2
communication so as to allow the site some sort of exchange of communication between the Bank and its agents, such as your e-mail and fill requests for forms or on-line or modify the information
restrictions and Accounts
In reviewing the realities of working e-banking, it is clear that the majority of banks in the world created by one way or another informational sites is such as promotional material, and headed most of the sites to use some means of communication with the customer, unlike the sites interactive, which is still trends banks etc are subject to several considerations , this means the ability of sites to deal with customer service after the banking and through the Internet, so that the electronic banking but banks are within the scope of Class III.
1-3 - The importance of e-Banking
The banks, non-electronic, provides part of the solutions to the problems of the customer but does not provide comprehensive solutions, or offer partial solutions Bklv high, if we know that the competition is tough in a market in the banking business, and address universal service and fastest cost at least, the electronic banking opportunity to achieve better rates of competition and survival in the market, simply, the conjecture that the bank's website just run to the banking and financial accounts thought wrong, because the technology allows the customer alone to run such a business, that the presence of the bank's website depends on its ability to shift to the site for information and a place for a solution based on correct information, it's Foundation for advice, and to open employment prospects, it's a place for investment opportunities and management, a place to service the financial fast cheapest place to manage the distinct needs of the customer no matter how different.
The trend towards Cash-mail associated with commerce sites and e-business provides a justification for the construction of electronic banking, insurance companies oil, aviation, hotels, etc ... moving surely towards payment across the line or electronic payment, which processes require - if not this company provides means of payment cash - and no bank accounts or bank accounts, transfer or so, leaving the scene without the presence of mean paying sectors referred to the practice of acts of on-line to meet the financial needs, which are not provided by employers specialized banking.
The use of electronic banking is to resort to a means of competition is also resorting to provide comprehensive services for a short time from a limited number of staff and to meet a lower cost, as the bank's website provides the cost of the assets of the actual existence of the Bank (headquarters staff and expenses, branches, etc.) but we need to know that the abundance in the cost of providing the service does not have to belong to the same bank, it does not establish a difference between them and non-electronic services, for this is electronic banking on the basis of other key is that the abundance in the cost of a participatory service revenue between the bank and the client (3).
-4-1 And the reality of electronic banking
A study conducted by efunds, a company of electronic transfer of funds owned by the Foundation deluxe corporation "to be done banking on the Web, is still very complicated, and many of the clients, were still apprehensive in terms of security. Say Mathiolaolr, the chief executives of the company Online Resources, which provides banking services online for about 400 companies in the United States: "This is a big problem, and there seems to be grumbling widely among consumers, who are demanding simplification of these services, and attracted Aldraspalte conducted by the company Delux, comments from 400 people to have bank accounts immediate , or I look a desire to open accounts of this kind. He said 365 people of whom (83 percent), that their dealings with banks across the Inter net is better than their dealings with the traditional banks. It is the best benefits enjoyed by these people, their access to their accounts during the four-hour, daily, and their ability to see account balances, review of payroll movements they make on their accounts, immediately, in addition to the enjoyment of the service to pay their bills over the network said 88 people (20 percent) , who participated in the study they undertook the registration process, to get a bank account via the Internet, but they have not completed those actions.And 28 percent of them said they do not trust the security of transactions. And the magazine said that "the results of a survey the other conducted by the Foundation pis global showed that 7% of American homes are often used banking services via the Internet, an increase of 67% than it was in 1998, predicted the study that the proportion of U.S. homes that make use of banking services across Internet to 20% in 2002. In spite of Manhattan's future integrated financial services via the Internet promises a great success, but the results of the study states that the issues relating to customer service is still in need of a major effort to improve
The analytical studies on the sites indicate electronic banking in more than one position on the following (4):
A majority sites online banking sites identifiable information and not the sites on-line banking services;
* Many of the Web sites of research provides a comprehensive entries for all online banking sites, and here the most important strategy in the reality of online banking is in charge of it to realize that everyone sees you, and depicted a distinctive may be normal for others;
* Most sites offer knowledge and information sites, but will not take a short time to transition to the sites of municipal relations interact directly with the customer, since between 1997 and 2000 the percentage of the trend to interactive sites approximately 80%;
* Indicates summaries of research studies on electronic banking in America, which covers the actual reality of these banks from 1997 until the end of 2000 - the most important held by the Administrator of National Banks Comptroller of the Currency - a growing trend towards the construction of alternate sites auction to banks.
Bank of AlertPay (Bank herbal <<local name)
Logo: (My Way To Pay)
restrictions and Accounts
3 - Site Exchange and this is the level that can be said that the bank which exercises its services and activities in an electronic environment, which includes this image to allow the customer access to accounts and management and make cash payments and the fulfillment of value bills and make all services informative and transfers between accounts within the bank or with third parties .
In reviewing the realities of working e-banking, it is clear that the majority of banks in the world created by one way or another informational sites is such as promotional material, and headed most of the sites to use some means of communication with the customer, unlike the sites interactive, which is still trends banks etc are subject to several considerations , this means the ability of sites to deal with customer service after the banking and through the Internet, so that the electronic banking but banks are within the scope of Class III.
1-3 - The importance of e-Banking
The banks, non-electronic, provides part of the solutions to the problems of the customer but does not provide comprehensive solutions, or offer partial solutions Bklv high, if we know that the competition is tough in a market in the banking business, and address universal service and fastest cost at least, the electronic banking opportunity to achieve better rates of competition and survival in the market, simply, the conjecture that the bank's website just run to the banking and financial accounts thought wrong, because the technology allows the customer alone to run such a business, that the presence of the bank's website depends on its ability to shift to the site for information and a place for a solution based on correct information, it's Foundation for advice, and to open employment prospects, it's a place for investment opportunities and management, a place to service the financial fast cheapest place to manage the distinct needs of the customer no matter how different.
The trend towards Cash-mail associated with commerce sites and e-business provides a justification for the construction of electronic banking, insurance companies oil, aviation, hotels, etc ... moving surely towards payment across the line or electronic payment, which processes require - if not this company provides means of payment cash - and no bank accounts or bank accounts, transfer or so, leaving the scene without the presence of mean paying sectors referred to the practice of acts of on-line to meet the financial needs, which are not provided by employers specialized banking.
The use of electronic banking is to resort to a means of competition is also resorting to provide comprehensive services for a short time from a limited number of staff and to meet a lower cost, as the bank's website provides the cost of the assets of the actual existence of the Bank (headquarters staff and expenses, branches, etc.) but we need to know that the abundance in the cost of providing the service does not have to belong to the same bank, it does not establish a difference between them and non-electronic services, for this is electronic banking on the basis of other key is that the abundance in the cost of a participatory service revenue between the bank and the client (3).
-4-1 And the reality of electronic banking
A study conducted by efunds, a company of electronic transfer of funds owned by the Foundation deluxe corporation "to be done banking on the Web, is still very complicated, and many of the clients, were still apprehensive in terms of security. Say Mathiolaolr, the chief executives of the company Online Resources, which provides banking services online for about 400 companies in the United States: "This is a big problem, and there seems to be grumbling widely among consumers, who are demanding simplification of these services, and attracted Aldraspalte conducted by the company Delux, comments from 400 people to have bank accounts immediate , or I look a desire to open accounts of this kind. He said 365 people of whom (83 percent), that their dealings with banks across the Inter net is better than their dealings with the traditional banks. It is the best benefits enjoyed by these people, their access to their accounts during the four-hour, daily, and their ability to see account balances, review of payroll movements they make on their accounts, immediately, in addition to the enjoyment of the service to pay their bills over the network said 88 people (20 percent) , who participated in the study they undertook the registration process, to get a bank account via the Internet, but they have not completed those actions.And 28 percent of them said they do not trust the security of transactions. And the magazine said that "the results of a survey the other conducted by the Foundation pis global showed that 7% of American homes are often used banking services via the Internet, an increase of 67% than it was in 1998, predicted the study that the proportion of U.S. homes that make use of banking services across Internet to 20% in 2002. In spite of Manhattan's future integrated financial services via the Internet promises a great success, but the results of the study states that the issues relating to customer service is still in need of a major effort to improve
The analytical studies on the sites indicate electronic banking in more than one position on the following (4):
A majority sites online banking sites identifiable information and not the sites on-line banking services;
* Many of the Web sites of research provides a comprehensive entries for all online banking sites, and here the most important strategy in the reality of online banking is in charge of it to realize that everyone sees you, and depicted a distinctive may be normal for others;
* Most sites offer knowledge and information sites, but will not take a short time to transition to the sites of municipal relations interact directly with the customer, since between 1997 and 2000 the percentage of the trend to interactive sites approximately 80%;
* Indicates summaries of research studies on electronic banking in America, which covers the actual reality of these banks from 1997 until the end of 2000 - the most important held by the Administrator of National Banks Comptroller of the Currency - a growing trend towards the construction of alternate sites auction to banks.
The names of banks, electronic
Logo: (My Way To Pay)
Bank Name: AlertPay
Popularity: Bank herbal <<label local
Bank URL:http://www.alertpay.com/Bank Color: Green and white
Bank properties:
* Supports all States
* Does not need to activate the
* Registration is free
* You can deposit and withdraw your money and send in different ways
* You can request money from people by e-mail them
* Commission is different depending on the type of account and the method of operation to be performed.
* Excellent technical department in terms of handling and speed of answer.
::: Q & A:::
Q / Why are some banks to close the accounts for people?
A: The reasons vary and are different and the most common reasons is your input data is understandable when you register bank
For example, when the bank asks you to type your first or last, some people no buyers and strange symbols such as (X-Men = bigboy) take this a lot
You Fballah Is there a person named in the universe this way?! Type names, not words of mobility in a war you do not like to use these things
Is not a condition to be your information as, in fact, but must be valid as the first and last name, phone number and the state and the city and the region. HITTING example.
The first person named Khaled, Alaa and his last name from Saudi Arabia Makkah Jeddah (This is not my name) and wanted to participate in a bank or a site or company. This person can enter
His information as the truth can change or correct names such as Muhammad or George, and so on ... Take this all the previous examples.
One of the reasons that lead to the closure of the expense of your dealings with companies that are not guaranteed or redress and investment companies of the type Alhaib.
Q / Why Bank of herbal best from the World Gold?
A: Dear How do you compare the World Bank's golden grass (not Igrk name) At this way, comparing between the monkey and deer.
Q / I have said that the bank supports all the States?
A: True. By the properties of mind and any IP Gold.
Q / Is there a property of the bank transfers, financial and Alkridt CAD and what other properties?
A: Yes there is. And will explain everything, be patient.
Q / How do I know my account number and where is he already?
A: The account number is the same email address that registered in the bank
Q / Can I Buy from the Internet through the World Bank?
A: Yes you can, but you must upgrade your membership
Q / What are the fees for the bank when you do one of the operations?
A: See the table in the commentary.
Q / Is a property Alkredet Card available?
A: Yes, but unfortunately these countries only. America and Canada
Australia-Germany-Norway
Austria-Greece-Poland
Belgium-Hong Kong-Portugal
Bulgaria-Hungary-Romania
China-Ireland-Singapore
Czech-Republic-Italy-Slovakia
Denmark-Lithuania-South-Africa
Estonia-Luxembourg-Spain
Faeroe-Islands-Malaysia Sweden
Finland-Netherlands-UK
France-New Zealand
Q / What is the period that will reach to the place where the funds meant to be?
A: As it is written, the location of the bank, will take two business days of the place meant to be (not holidays)
For example, if you send your money to a bank in Britain and was the day they leave will not be charged to their bank.
Q / What is the difference between the Transaction password and password?
C: password: password normal to log on to your account.
Transaction password: password, asking you when you do one of the operations to increase security.
===
((Add Funds)) add funds.
* Bank transfer: available for Canada and the United States only.
* Telegrams bank: Minimum $ 4 and $ 20 fees!!
* Bank Gold IP: 3.5% fees!!
* Alkredet Card: Available to the above-mentioned countries.
((Withdraw Funds)) to withdraw funds.
* Bank transfer: available for Canada and America.
* By check: Minimum $ 3 and $ 2 fee
* Bank Gold IP: Minimum $ 1 fee and 4%
((Send Money)) sending money.You can send money to anyone using e-mail him, and even if not in the bank Mtsgela
((Request Money)) application of funds.
You can request money from someone by e-mail him and even if not Mtsgela bank
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Bank of Paypal
Introduction of the Bank:
Is a U.S. provider of money transfer services and buying and selling over the Internet from anywhere in the world by a credit card such as card Visa or MasterCard and other credit cards backed by the bank, the transfer would or buying and selling is done by account number, your credit card and e-mail, which recorded its Bank and PIN.
Date of creation of the Bank: 2000
Bank of paypal is the most powerful e-Banking at all dealt with this bank with more than 90 percent of the electronic stores around the world for its credibility and high-security it enjoys.
Bank properties:
- High level of security enjoyed by the bank 1
2- Easy to deal with the bank as you can open more than one account.
3 - Dealing with the World Bank requires the activation of one of your credit cards backed by the bank card such as Visa or MasterCard or Emax.
4- Do not accept to deal with some Arab countries
Bank URL: https://www.paypal.com/Bank of Paypal
Introduction of the Bank:
Is a U.S. provider of money transfer services and buying and selling over the Internet from anywhere in the world by a credit card such as card Visa or MasterCard and other credit cards backed by the bank, the transfer would or buying and selling is done by account number, your credit card and e-mail, which recorded its Bank and PIN
Date of creation of the Bank: 2000
Bank of paypal is the most powerful e-Banking at all dealt with this bank with more than 90 percent of the electronic stores around the world for its credibility and high-security it enjoys
Bank properties:
High level of security enjoyed by the bank -
Easy to deal with the bank as you can open more than one account. ----- - Dealing with the World Bank requires the activation of one of your credit cards backed by the bank card such as Visa or MasterCard or Emax.
Do not accept to deal with some Arab countries
Bank URL: https://www.paypal.com/
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