Analiza Comparativa a Sistemelor de E-banking

8/10/2019 Analiza Comparativa a Sistemelor de E-banking

1/19

UNIVERSITATEA DIN CRAIOVA

FACULTATEA DE ECONOMIE SI ADMINISTRAREA AFACERILOR

SPECIALIZAREA: MAE

ANALIZA COMPARATIVA A SISTEMELOR DEE-BANKING

Masterand: Barbarasa Anda Mr!na

Cra"#a$

%&'(


2/19

C!)rns

Intr"d!*ere

'+ Ca)+ I+ Part*!,artat a,e ser#*,"r e,e*tr"n*e ban*are )e )ata r"aneas*a'+'+ Sste!, e,e*tr"n* de ),at n R"ana'+%+ Instr!ente de ),ata e,e*tr"n*'+.+ Pre/entarea ser#*,"r ban*are e,e*tr"n*e

'+.+'+ Prn*)a,e,e t)!r de ser#* e,e*tr"n*e'+.+%+ Rs*!, ")erat!n,"r ban*are )rn Internet'+.+.+ Se*!rtatea ")erat!n,"r ban*are )rn Internet

%+ Ca)+ II+ Ana,/a ser#*!,! de Internet Ban0n1 n R"ana%+'+ A,)2a Ban0 R"ana S+A+%+%+ Ban*a C"er*a,a R"ana S+A+%+.+ A#anta3e,e ser#*,"r ban*are "n,ne

C"n*,!/


3/19

Intr"d!*ere

Ser#*,e ban*are ,a dstan45 6Re"te Ban0n17$ rea,/ate )e *a,e e,e*tr"n*a 6e-ban0n17$

a! 8n*e)!t s5 se de/#",te 8n*e)9nd *! an!, ';$ an 8n *are ban*a aer*ana Pre/den4a, Ban0dn Mar,and a ,ansat )re,e ser#* ban*are )rn Internet+

La 3!5tatea an!,! %&&($ )este 'n an!, %&&($ *r*a '+&&& de nstt!4?nan*are dn 8ntrea1a ,!e "?erea! ser#* de e-ban*5+

Ser#*,e e-ban0n1 !t,/ea/5 *")!ter!, te2n","1,e e,e*tr"n*e *a s!)"rt )entr!e?e*t!area de ),54 a,te tras?er!r de d"*!ente+ Prn !t,/area ser#*!,! Pers"na, C")!terBan0n1 n! a este ne#"e *a s5 te de),ase/ ,a ban*5 )entr! a-4 rd*a etrase,e de *"nt$

)entr! a e?e*t!a ),54 8n ,e sa! #a,!t5 )entr! a #er?*a da*5 debt"r -a! "n"rat "b,1a4,e+T"ate a*eastea se )"t e?e*t!a de ,a br"!$)rn ntered!, *")!ter!,!+ >n ),!s$ ser#*!,Pers"na, C")!ter Ban0n1 este ds)"nb, %( de "re dn %($ < /,e )e s5)t59n5+ 8nR"9na$ ser#*,e ban*are e,e*tr"n*e s-a! de/#",tat ra)d 8n !,t an s!nt 8n *"ntn!are 8n*!rs de de/#",tare etndere+ C"n?"r Ordne,"r nstr!,! C"!n*a4,"r Te2n","1eIn?"ra4e nr+ ' ?ebr!are %&&. nr+ %'@%&&( )r#nd a#/area nstr!ente,"r de ),at5 *!a**es ,a dstan45$ 8n an!, %&&($ Mnster!, C"!n*a4,"r Te2n","1e In?"ra4e a e,berata#/e )entr! d#erse ser#* ban*are e,e*tr"n*e *5tre %' de b5n* dn R"9na+

Ser#*,e ban*are e,e*tr"n*e re)re/nt5 ser#*,e ban*are *are )"t ? )!se ,a ds)"/4a

)ers"ane,"r ?/*e a *")an,"r de *5tre " ban*5 )rn 3,"a*e e,e*tr"n*e sa! )ar4a,e,e*tr"n*e$ 8n 1enera,$ )rn ntered!, !n! te,e?"n ? sa! "b,$ dar )rn Internet+ A*esteser#* )ert adnstrarea t"ta,5 sa! )ar4a,5 a !n! *"nt ban*ar$ e?e*t!at5 de de4n5t"r!,*"nt!,!$ *"nt!, )!t9nd ? *!rent$ ,a teren sa! de *ard$ ?5r5 a a ? ne*esar5 de),asareade4n5t"r!,! de *"nt ,a 12e!, b5n*+

Ser#*,e ban*are e,e*tr"n*e "?er5 a**es ,a d#erse n?"ra4 de *"nt ?nan*ar-ban*are$ 8n 1enera,$ )"t )erte e?e*t!area de trans?er!r de ?"nd!r ),54 dn *"nt+De4n5t"r de *"nt!r )"t a#ea a**es ,a a*este ser#* da*5 se 8nre1strea/5 ,a ban*5 8n a*est s*") )res*$ d!)5 a**e)tarea 8nre1str5r$ " "da,tate de dent?*are !n*56n!e$ )ar",5$ PIN Pers"na, Ident?*at"n N!ber-$ e)res de *"ntr",$ ds)"/t# s)e*a, et*+7$ *are s5 ,e )ert "

!t,/are s1!r5 a ser#*,"r+


4/19

Obe*t!, re?erat!,!

Re?erat!, re!nete )r"b,eat*a )r"*es!,! der!,5r ),54,"r$ de*"nt5r,"r trans?er!,!de ?"nd!r 8n *adr!, Sste!,! E,e*tr"n* de P,54 )rn ntered!, nstr!ente,"r de ),at5e,e*tr"n*e$ rs*!r,e s)e*?*e sste!,! *! " sen?*a4e a3"r5 8n a*t#tatea nstt!4,"r de

*redt )art*)ante ,a SEP$ st!d!, e?*en4e )er?"ran4e sste!,! ba/at5 )e ana,/a*anttat#5$ str!*t!ra,5 dar *")arat#5$ tratarea Sste!,! E,e*tr"n* de P,54 de ,a 1enera, ,a)art*!,ar$ dar )e t"ate n#e,e,e sa,e ds)!se )rada,$ ?nd e#den4ate a#anta3e,e$de/a#anta3e,e$ dar )"sb,t5 de 8b!n5t5 re a a*est!a+ A ab"rdat a*est "be*t# )rntr-" re,a4e de *a!/a,tate ,"1*5:

'7 "be*t#e )r")!se -"be*t#e 8nde),nteHDat"rt5 teat* ?"arte a),e$ *"),ee dar dna*e$ n! )!te a#ea )reten4a de a ?

e)!/at t"ate as)e*te,e t"ate "be*t#e,e )r")!se )entr! s!r)rnderea a*t#t5 Sste!,! E,e*tr"n* de P,5 $ de a*eea *"nsder *5 st!d,e )re/entate *"nstt!e !n )!n*t de )"rnre )entr!*er*et5r #t"are+ Pe de a,t5 )arte$ )re/nt5 t"t"dat5 an!te ,te a#9nd 8n #edere d?*!,tatearea,/5r !n! st!d! e2a!st# ,a n#e,!, Sste!,! E,e*tr"n* de P,5 $ n9nd *"nt de ,)sa de

trans)aren 5 a nstt! ,"r de *redt$ *are$ dat"rt5 !ne )",t* de *"n?den a,tate )r"st 8n e,ese$ n! "?er5 n?"ra + Pe de a,t5 )arte !ne,e ana,/e s-a! e?e*t!at d"ar )9n5 ,a n#e,!, an!,! %&&$de"are*e )9n5 ,a a*est "ent$ n* BNR n* BCE n! a! ?!rn/at t"ate date,e statst*ea?erente an!,! %&'(+ Re?ert"r ,a ),eentarea e*ans!, SEP$ *er*etarea a ?"st ,tat5 ,an#e,!, R"9ne+

%7 a#anta3e de/a#anta3eH >n )rn*)a, -a aat )e e#den4erea a#anta3e,"r$)er?"ran4e,"r e?*en4e Sste!,! E,e*tr"n* de P,54 dar$ t"t"dat5$ a 8n*er*at s!r)rndereade/a#anta3e,"r ,te,"r a*est!a$ deternate )ra*t*$ 8n*er*9nd de aseenea s5 tras5)"sb,t54,e de )re#enre de 8n,5t!rare a as)e*te,"r ne1at#e dent?*ate )re*! )"sb,t5 ,e de )er?e* "nare a a*t#t5 t!t!r"r *")"nente,"r Sste!,! E,e*tr"n* de P,5 +

S*")!, re?erat!,!Re?erat!, are *a s*") de/#",tarea as)e*te,"r te"ret*e$ et"d","1*e )ra*t*e )r#nd

Sste!, E,e*tr"n* de P,54 e,eente,e sa,e *")"nente$ stab,rea ,"*!,! R"9ne 8nE!r")a d!)5 n#e,!, de tran/a*4"nare *! nstr!ente,e de ),at5$ d!)5 1rad!, de !t,/are aser#*,"r de e-ban0n1$ d!)5 )er?"ran4e,e ")era4"na,e a,e Sste!,! E,e*tr"n* de P,54 )eansab,!, s5! 8n teren *")arat# *! a,te sstee dn Un!nea E!r")ean5 ?"r!,area)r")!ner,"r )r#nd )er?e*4"narea sste!,! e,e*tr"n* de ),54 a nstr!ente,"ra*est!a+Pentr! e,ab"rarea ?!ndaente,"r te"ret*e a )!s a**ent )e ")n,e s)e*a,t,"r dna*est d"en!$ at9t dn 4ar5 *9t dn str5n5tate$ )e *are ,e-a ab"rdat 8ntr-" aner5*"nstr!*t#5 at!n* *9nd a! *"n*s *! ")n,e )ers"na,e$ res)e*t# 8n s)rt *rt* 8n *a/!r,e 8n*are a *"nsderat neade*#at5 ?!ndaentarea a*est"ra+ Ast?e,$ as)e*te,e )ra*t*e s-a! *"n*ret/at8n *"ens!rarea rea,/5r,"r )ers)e*t#e,"r Sste!,! E,e*tr"n* de P,54 dar anstr!ente,"r de ),at5 *r*!s*rse )ra*t* ban*are r"9net$ ba/9nd!-ne )e ee),?*5r*"n*rete$ )e ab"rd5r *")arat#e$ )e e#",!4 n#",!4$ )rn *are a 8n*er*at s5 ne s!s4near1!ente,e+Trans?er!, ,a ,at!ra )ra*t*5 a ,!*r5r$ este rea,/at )rn ab"rdarea e),*area"d!r,"r de ")erare sa! a "da,t54,"r 1enera, *!n"s*!te ?","ste at9t )entr! sste!,e,e*tr"n* de ),54 n ansab,!, s5!$ *9t a nstr!ente,"r de ),at5 )e ba/a *5r!a ?!n*4"nea/5a*esta+


5/19

S*")!, )r")!s a deternat !r5t"are,e sar*n a,e *er*et5r: )re/entarea *adr!,!te"ret* a, Sste!,! E,e*tr"n* de P,54$ a, nstr!ente,"r a*est!a a ser#*,"r de *"ne*taree,e*tr"n*5 ,a ssteH den"tarea teren,"r *are a! )"rtan45 8n tea ab"rdat5H *"n*ret/areaesen4e )art*!,art54,"r Sste!,! E,e*tr"n* de P,54H ana,/a dna* de/#",t5rSste!,! E,e*tr"n* de P54$ n*,!s# a nstr!ente,"r de ),at5H e#den4erea )art*!,art54,"r

*e,"r tre *")"nente a,e SEP dn R"9naH *"n*ret/area esen4e$ t)","1e et"de,"r dedent?*are de dn!are a,e rs*!,! s)e*?* an?estat 8n SEPH ana,/a )er?e*4"nareanstr!ente,"r de ),at5 e,etr"n*5H 1rad!, de !t,/are a ser#*!,! de e,e*tr"n* ban0n1H n#e,!,de se*!rtate de a**esb,tate a ser#*,"r de e-ban0n1+


6/19

CAP+I PARTICULARITAI ALE SERVICIILOR ELECTRONICEBANCARE PE PIAA ROMJNEASC

'+'+ Sste!, e,e*tr"n* de ),at n R"ana

>n an!, %&&; a ntrat n ?!n*4!ne n"!, Sste E,e*tr"n* de P,a4$!n sste "dern$,an#e,!, *e,"r dn Un!nea E!r")ean5+ Pr"e*t!, a ?"st !n!, a),!$*! re/!,tate *"nsderab,edn )!n*t de #edere a, *reter ra)dt54 8n e?e*t!area ")era4!n,"r de 8n*asar ),a4 a,red!*er *"st!r,"r de ")erare+ Sste!, E,e*tr"n* de P,54 6SEP7 a ?"st ),eentat )rntr-!n)r"e*t ?nan4at 8n *"!n de Un!nea E!r")eana )rn )r"1ra!, PARE de *"!ntateaban*ar5 dn R"9na$)rn ntered!, STFD-TRANSFOND S+A+

SEP a ?"st str!*t!rat *a !n sste "d!,ar *! tre *")"nente nte1rate )rn nter?e4ea!t"ate:

-sste!, RTGS: sste!, *! de*"ntare br!t5 8n t) rea, 6sste!, ),a4,"r de are #a,"are7-sste!, AC: *asa de *")ensa4e a!t"at5 6sste!, ),a4,"r de *5 #a,"are7

-sste!, GSRS: sste!, de 8nre1strare s de*"ntare a ")era4!n,"r *! tt,!r de stat+

A#anta3e,e a3"re a,e !t,/5r Sste!,! E,e*tr"n* de P,54:

-red!*erea t)!,! de )r"*esare de*"ntare a "rdne,"r de ),at5 de *5 #a,"are6de*"ntarea ?na,5 )"ate a#ea ,"* 8ntr-!n nter#a, de t) de "rdn!, se*!nde,"r7+

- ds)"nb,tate rd*at5 6a ?"st art nter#a,!, de t) 8n *are a),*a4,e SEP s!ntds)"nb,e !t,/at"r,"r7

-se*!rtatea date,"r 6)rn !t,/area !ne n?rastr!*t!r *! *2e )!b,*e 6PKI7 este as1!rat!n n#e, rd*at de se*!rtate a date,"r7+

-red!*erea )"nder )r"*ese,"r an!a,e 8n )r"*esarea ),54,"r 6a ?"st red!s rs*!, a)ar4e

de er"r de nat!r5 !an5$t"ate )r"*ese,e$*! e*e)4a ")era4!n,"r de adnstrare a a),*a4,"r sa *e,"r 8n *a/!r de !r1en45 ?nd a!t"at/ate+-red!*erea *"st!r,"r s *"s"ane,"r de )r"*esare 6a ?"st red!s n!5r!, de an1a3a4

),*at 8n )r"*esarea nstr!*4!n,"r de ),at5+ C"s"ane,e re)re/nt5 8n )re/ent %.= dnn#e,!, )ra*t*at 8n *a/!, sste!,! )e 2arte7+

'+%+ Instr!ente de ),ata e,e*tr"n*e

Instr!ente,e de ),at5 ?","ste 8n sste!, de ),54 e,e*tr"n*e s!nt dent*e n *eea*e )r#este n?"ra4,e )e *are ,e *"n4n *! *e,e )e s!)"rt 29rte$dar ada)tate transse

e,e*tr"n*e a! a*e,a r", de a transte n?"ra4aban de ,a )artener!, ),att"r *5tre *e,bene?*ar )rn ntered!, sste!,! ban*ar+Ada)tarea ,a sste!, e,e*tr"n* *"nst5 8n trans)!nerea n?"ra4,"r 8ntr-!n esa3 e,e*tr"n*

*are se )"ate *r)ta de*r)ta a!t"at sena e,e*tr"n*+ Instr!ente,e de ),at5 e,e*tr"n*#a,date )an5 8n )re/ent de )ra*t*5 s!nt "rdn!, de ),at5 e,e*tr"n* *e*!, e,e*tr"n*+

Ordinul de plat electroniceste " #ers!ne a "rdn!,! de ),at5 )e s!)"rt 29rte *! de"sebrea*a se deatera,/ea/a at!n* *9nd ntra 8n sste!, de ),a4 e,e*tr"n*e+


7/19

Cr*!t!, "rdn!,! de ),at5 e,e*tr"n* este s,ar *! *e, a, "rdn!,! de ),at5 )e s!)"rt 29rte*! de"sebrea ?a)t!,! *5 este a ra)d$ dat"rt5 )"sb,t54 te2n","1*e de trans?er )r"*esarea!t"at5 a)" de de*"ntare 8n t) rea,+

Cecul electronic (e-check) este !n nstr!ent *are se )re/nt5 s!b ?"ra !n! esa3

e,e*tr"n* senat e,e*tr"n* s are a*e,ea ?!n*4 *a *e*!, )e s!)"rt 29rte+Semnatura electronicaare ?!n*4a de a *ert?*a denttatea )ers"ane+ Senat!ra e,e*tr"n*5

)"ate ? as"*at5 *! !n *"d )ers"na, *are se atase/5 ,a !n e-a, sa! a,t d"*!ent trse,e*tr"n* de ,a !n *a,*!,at"r ,a a,t!,$?e )rn nternet sa! )rntr-" retea de *a,*!,at"are+A#anta3e,e "?erte de a*easta 8n d"en!, ban*ar ?a* re?erre ,a *"!n*area ra)d5 *! *,en4$as1!rarea *"n?den4a,t54 date,"r$ s1!ran45 !s!rn45 8n !t,/are$ )re*! " a b!n5*r*!,a4e a n?"ra4,"r 8ntre *entra,5 !nt54,e ban*are+

'+.+Pre/entarea ser#*,"r ban*are e,e*tr"n*e

'+.+' Prn*)a,e,e t)!r de ser#* e,etr"n*e ban*are

Ser#*,e ban*are ,a dstant5 s!nt *,as?*ate 8n )atr! *ate1"r )"rtante:-2"eban0n1$

-e,e*tr"n* ban0n1$-nternet ban0n1-"b,e ban0n1+

F!rn/area ser#*!,! )res!)!ne *"ne*tarea !t,/at"r!,! 8n retea *! ban*a )e " ,ne dete,e*"!n*a4e s1!r5$ a!tent?*are )rn n!e )ar",5 re*!n"atrea tran/a*4e+

Serviciile de tip home banking6 ban*5 ,a d"*,!7 se adresea/a )")!,a4e n*,!de 8n1enera, "b4nerea !n"r n?"ra4 des)re *"nt!r,e )ers"na,e )rn ntered!, !n! a)e, te,e?"n*$ras)!ns!, ?nd dat de !n sste #"*a, a!t"at+

Serviciile electronic bankings!nt !t,/ate 8n 1enera, de ?re$ dat"rt5 )"sb,t54,"rde )re,!*rare ra)d5 a !n! n!ar are de tran/a*4+ A*estea a! n 1enera, ?!n*t"na,t54 etnsede *as2 ana1eent$ )"t ? ada)tate ,a s)e*?*!, a*t#t54 )ert de")"tr#5 *"ne*tarea *!a,te a),*a4 s"?tare ?","ste 8n ban*5+

Serviciile internet bankinge,n5 esten4a !ne *")"nente s"?tare nsta,ate ,a *,ent$a*esta )!t9nd s5 ab5 a**es ,a ser#er!, b5n* )rn ntered!, !ne s),e nter?e4e 1ra?*e

6br"ser7 )rn *are !t,/ea/5 *e,e,a,te sr#* Internet+

Serviciile mobile bankinga! a)ar!t "dat5 *! etnderea te2n","1e AP6re,essA)),*at"n Pr"t"*",7 s!nt *"nsderate de #t"r $ dat"rt5 )ers)e*t#e,"r ,e1ate deetnderea 8n ,!e a re4e,e,"r AP+


8/19

'+.+%+ Rs*!, ")erat!n,"r ban*are )rn Internet

O)era4!n,e ban*are )rn nternet s!nt s!)!se rs*!r,"r *,as*e$ )re*! !n"r rs*!r n"$s)e*?*e a*est"r ")era4!n+ O??*e "? t2e C")tr",,er C!ren*es dn State,e Unte a,e Aer* E,e*tr"n* Ban01 Gr"!) dn *adr!, C"tet!,! de ,a Base, a! de?nt !rat"are,e *ate1"r de

rs*!r as"*ate ")era4!n,"r )rn nternet:Riscul de credit+ >n sste!, "n-,ne$ 8n ,)sa !n! *"nta*t )ers"na,$ este " )r"#"*are

)entr! b5n* s5 #er?*e b"ntatea *,en4,"r$ e,eent!, *entra, 8n ,!area de*/,"r ?"ndate dea*"rdarea *redt!,!$ t"t " )r"#"*are re)re/nt5 #er?*area 1aran4,"r *,en4,"r de)arta41e"1ra?*+ Gest"narea !n! )"rt"?",! de *redtte "b4n!te )rn Internet ne*est5 " n"!5 ab"rdaredn )artea b5n*,"r a )r"?,!,! de rs*$ a )",t*,"r de e)!nere a )ra*t*,"r de *"ntr",+

Riscul dobnzii+ De-a ,!n1!, t)!,! s-a d"#edt *5 est5 " tendn4a a b5n*,"r )re/entee*,!s# )e Internet de a a*"rda rate s!)er"are de d"band5 ,a de)"/te$ *eea *e a *"nd!s ,a*reterea d"b9n/,"r a*t#e$ ?nd 8n ds*"rdan4a *! )rn*)!, *5 d"b9nda treb!e s5 ?e a*eeand?erent de *ana,!, ?","st+

Riscul de curs valutar+ A)are *9nd !n )"rt"?",! de *redte este d"nat 8ntr-" a,t5 #a,!tade*9t *ea ,"*a,5 sa! *9nd se a**e)ta de)"/te 8n a,te #a,!te de ,a nere/den4+Riscul de lichiditate+ Dat"rt5 ?a)t!,! *5 n?"ra4,e )rn nternet *r*!,5 !,t a ra)d

de*9t )rn *ana,e,e *,as*e$ "r*e tre ad#ers5$ ade#arat5 sa! n!$ ar )!tea deterna de)"nen4s5-s retra15 de)"/te,e 8n "r*e "ent+

Riscul de tranzacie+ A)are 8n *"nd4 de er"are !an5$ ?ra!d5$ )"sb,tatea,#r5r )r"d!se,"r dat"rt5 1ree,,"r de *"n*e)4e$ ),eentare sa! "nt"r/area sstee,"r *!?re*#en45 a are 8n /"na ?ra!de )rn )enetrarea ser#ere,"r s!stra1erea de n?"ra4 de *5tre")erat"r nea!t"r/a4 *are )"t det!rna ?"nd!r+

Riscul de piaa+ Se an?est5 a !,t 8n /"na ")era4!n,"r *! #a,"r "b,are+Riscul strategic+ A)are 8n *a/!, n*")atb,t54 8ntre "be*t#e,e strate1*e$ )e de " )arte$

res!rse,e )"sb,tatea de 8nde),nre$ )e de a,t5 )arte+ A*est rs* se an?est5 ,a ntr"d!*ereade )r"d!seser#* n" *are 8n *"nd4,e Internet!,! )"ate )r"d!*e s*2b5r s!bstan4a,e 8ntre?"r4e,e *"n*!rente+

Riscul reputaional+ Este deternat de )a*t!, ne1at# a, a*t#t54 b5n* )rn Internetas!)ra ")ne )!b,*e$ *a !rare a !n"r ser#* de *a,tate 8nd"e,n*5$ neas1!rarea*"n?den4a,ta4 n?"ra4e des)re *,en4$ )r""#area *! !!rn45 a !n"r )r"d!seser#*$,)sa de r5s)!ns ,a *ern4e,e *,en4,"r+

'+.+.+ Se*!rtatea ")erat!n,"r ban*are )rn Internet

Se*!rtatea e,e*tr"n* este de?nt5 de !n e)er4 *a a*e,e )",t*$ re*"and5r$ )r"*ese a*4!n ne*esare n/5r rs*!,! a?erent e?e*t!5r tran/a*4,"r e,e*tr"n*e $ rs* *e se re?er5,a bree 8n sste $ ntr!/!n sa! ?!rt$ ar a,4 *a "r*e 3,"*$ te2n*5 sa! )r"*es !t,/at )entr!a )r"te3a #",!!, de n?"ra4 a, !n! sste+

>n sste!, e,e*tr"n* de ),a4 a!tent?*area n"n-re)!derea re)re/nt5 eta)e,e *e,e a)"rtante de re1!,a se ?","ses* e*2)aente )er?"rante de se*!rtate+


9/19

M"da,t54,e *e,e a *!n"s*!te de a!tent?*are n"n -re)!dere s!nt !r5t"are,e:

Parole i PIN-uri 6Pers"na, Ident?*at"n N!ber7+ S!nt *e,e a *!n"s*!te dar t"t"dat5 *e,e a #!,nerab,e dntre t"ate te2n*,e nd#d!a,e de a!tent?*are+ E?*en4a se*!rt54)rn )ar",5 de)nde de tre ?a*t"r:

- ,!n1ea *"n4n!t!, )ar",e *are de)nd de #a,"area sensb,tatean?"ra4,"r )r"te3ate-*"n?den4a,tatea )ar",e se as1!r5 )rn *r)tarea a*estea a ?ere,"r )e '%@ b4 8n

"ent!, st"*5r sa! transter-sste!, de *"ntr", a, )ar",eToken i Smart ard+ T"0en-!, este " et"d5 de a!tent?*are b?a*t"ra,5 ba/at5 )e !n *"d

)ers"na, " )ar",a sa! !n e,eent b"etr*$ n?"ra4 *are s!nt st"*ate ntr-" e"re+Sart Card-!, este !n *ard )re#5/!t *! !n *r")r"*es"r " e"re *2) sa! d"ar *! "

e"re *2) *! " ,"1*5 ne- )r"1raab,5+ Sart Card-!, este !n ?e, de *a,*!,at"r 8nnat!ra$ bene?*a/5 de !n )r"*es"r de e"re de !n Qsste de ")erare+

Scanarea amprentei+ Perte *a)tarea a1n,"r de 8na,t5 *a,tatea a,e a)rente$ 8n a,b-

ne1r!$ *are s!nt )r"*esate 8n #ederea etra1er an!t"r n?"ra4 a)" trse )entr! ab,"n+A)rente,e s!nt !n*e )ert dent?*area )re*s5 a )ers"ane !t,/at"are+ Scanarea irisului+ Re*!n"aste b"etra rs!,! ),*5 dent?*area a % de tr5s5t!rdete*tab,e *are se *"n#ertes* 8ntr-!n *"d d1ta, n!t Irs C"de+ !utenti"icarea vocal#$ Este te2n","1a ba/at5 )e *a,ta4,e dstn*te a,ea #"*?e*5re )ers"ane+ Scanarea semn#turii$ Pentr! deternarea "d!,! 8n *are " )ers"an5 senea/5$ te2n","1aeanea/5 #te/a$ )res!nea a,4 ?a*t"r re,at# ,a e?e*t!area sen5t!r+


10/19

Ca) II+ Ana,/a ser#*!,! de Internet Ban0n1 n R"ana

>n an!, %&&($ a3"rtatea b5n*,"r dn R"9na 6%' dn . a!t"r/ate7 "?erea! *e,"r *r*a%@+&&& de !t,/at"r$ !n n!5r t"ta, de %@ de ser#* ban*are e,e*tr"n*e a#/ate$ n*,!/9nd)ra*t* t"ate t)!r,e de ser#*$ res)e*t#: n?"ra4 des)re *"nt$ n?"ra4 as!)ra tran/a*4,"r$)re*! trans?er!r ),54 ntra- nterban*are+

T"ate a*este b5n* )!n ,a ds)"/4e !n *ana, de a**es )rn #"*e$ ad*5 " *"ne*tare )rnte,e?"n ,a )r")r!, Centr! de Assten4a Te,e?"n*a 6*eea *e este "b,1at"r! )entr! t"ate b5n*,e*are s!nt etente de *ard!r7+ Ma3"rtatea a*est"r b5n* "?er5 d#erse #arante de a**es ,an?"ra4 )rn Internet )rn te,e?"n!, "b,$ ar tre dntre e,e "?er5 )"sb,tatea de a ?a*etrans?er!r de ?"nd!r ),54+

Ser#*,e ban*are e,e*tr"n*e a#/ate 8n "d *!rent )"t ? #/"nate )e ste-!, MCTI$ ardes*rerea ,"r a5n!n4t5 se a?,5 )e ste-!r,e b5n*,"r+ >n )re/ent$ % de b5n* dn t"ta,!, de .

de ban* dn R"ana a! ),eentate sstee de e-ban0n1$ aa *! re/!,,t5 dn tabe,!, dea 3"s:

Nr+ Ban*a Internet Ban0n1 "e Ban0n1 M"b,e Ban0n1

'+ ABN AMRO Ban0 R"9na O??*e-NetR"9na

%+ A,)2a Ban0 R"9na A,)2a eb Ban0n1 A,)2aLne

.+ Ban*a C"er*a,5I"n ra* O??*e%O??*e

(+ Ban*a C"er*a,5 R"Ban0 BS

;+ Ban*a C"er*a,5 R"9n5 M!,tCas2 BCR M!,tCas2 BCR

+ Ban!e Fran*"-R"!ane Pars -BFR


11/19

'%+ E1nata Ban0 R"9na M!,tCas2

'.+ EUROM BANK S+A+ E!r" On,ne

'(+ EIMBANK S+A+ Internet eBan0 Internet eBan0

';+ VB Ban0 R"9na OnLne Ban0n1 M!,t*as2

'+ ING Ban0 N+V+ Asterda ING On,ne M!,t*as2

'


12/19


13/19

Nede)n/9nd de !n s"?tare s)e*a, nsta,at ,a sed!, *,ent!,!$ A,)2a C,*0 "?er5 " "b,tatede),n5+

Este #"rba d"ar de !n *ert?*at A,)2a C,*0 *are se nsta,ea/5 a!t"at )e "r*e *a,*!,at"r sed"rete$ *"ne*tat ,a Internet+

Ab"naent!, a**es!, ,a ser#*!, A,)2a C,*0 s!nt 1rat!te+

Pentr! *a tran/a*4,e ban*are s5 ?e ?"arte s1!re$ A,)2a C,*0 a ?"st )r"e*tat s5 r5s)!nd5*ern4e,"r de se*!rtate$ ),eent9nd " *"bna4e de te2n","1 a#ansate )entr! )r"te3area*"nt!r,"r *,en4,"r de a**es!, nea!t"r/at$ )rntre *are:

D"!5 n#e,!r de *ert?*ate d1ta,e )rn *are se 1enerea/5:- PIN-!, e,eente,e de dent?*are se*!r/ate nd#d!a,- N!e,e !t,/at"r!,! )ar",a+

Sste de )r"te*4e a re4e,e 8)"tr#a a**es!,! etern nea!t"r/at 6?rea,,7 C"!n*area *,ent!,! *! ban*a este )r"te3at5 )rntr-" te2n","1e de *r)tare de t) SSL N!e,e !t,/at"r!,! )ar",a s!nt *"n?den4a,e a#9nd r",!, de #er?*are a dentt54

*,ent!,!$ da*5 " a,t5 )ers"an5 nea!t"r/at5 8n*ear*5 sa a**ese/e *"nt!, *,ent!,!

!t,/9nd n!e de !t,/at"r " )ar",5 n*"re*te$ d!)5. 8n*er*ar nere!te a**es!, seb,"*2ea/5+ D!)5 " )er"ad5 de na*t#tate$ ses!nea A,)2a C,*0 se 8n*2de a!t"at+ A*east5 5s!r5

)r"te3ea/5 *,ent!, 8)"tr#a a**es!,! !ne )ers"ane nea!t"r/ate 8n *a/!, 8n *are$ d!)5*e *,ent!, a ,!*rat$ a !tat s5 8n*2d5 ses!nea+

Prn !t,/area A,)2a C,*0$*,en4 b5n* e?e*t!ea/5 !r5t"are,e ")era4!n de ),54:

"rdne de ),at5 8n ,e

#raente "rdne de ),at5 *5tre b!1et "rdne de ),at5 8n #a,!t5 ,a ntern ds)"/4 de ),at5 #a,!tar5 etern5 *"nstt!rea de)"/te,"r ,a teren ,*2darea de)"/te,"r ,a teren "rdn de #9n/are #a,!t5 "rdn de *!)5rare #a,!t5 s*2b #a,!t5-#a,!t5 !t,/are *redt rab!rsare *redt

)"rt "rdne de ),at5 e)"rt "rdne de ),at5


14/19

%+%+ Ban*a C"er*a,a R"ana S+A+Ban*a C"er*a,5 R"9n5 S+A+ !t,/ea/5 !n t) de e-ban0n1 n!t M!,t*as2 BCR+

A*est ser#*! )erte *,en4,"r corporate i ntreprinderilor mici i mi!locii$ e?e*t!area de")era4!n ban*are$ de ,a sed!, a*est"ra$ )e *a,e e,e*tr"n*5$ )rn "de+

Prn*)a,e,e a#anta3e a,e *,ent!,! *are !t,/ea/5 a*est ser#*! e-ban0n1:

nsta,area )r"1ra!,!$ nstr!rea *,ent!,! assten4a te2n*5 s!nt 1rat!teH ,e15t!ra e,e*tr"n* )eranent *! ban*a 8n s*")!, "b4ner n?"ra4,"r ?nan*ar

ban*are "n,neH trans?er ra)d a, s!e,"r 8n #a,!t5 s)re dns)re R"9naH bene?*ar s!e,"r )rte n! ),5tes* *"s"nH s1!ran4a *"n?den4a,tatea tran/a*4,"r e?e*t!ate+

C"nd4 ne*esare )entr! !t,/area ser#*!,! M!,t*as2 BCR

Pentr! a bene?*a de a*est ser#*!$ *,ent!, bene?*ar de *"nt *!rent ,a Ban*a C"er*a,5R"9n5 S+A+ treb!e s5:

- sene/e C"n#en4a )entr! )ers"ane 3!rd*e$)r#nd e?e*t!area de ")era4!n ban*are)rn M!,tCas2 BCR e-BCR$- sa ds)!n5 de " d"tare n5$ *"nst9nd 8n: *a,*!,at"r *")atb, IBM

"de*"ne*tare ,a Internet$ sste de ")erare INDOS %&&&$ P$ ME et*+

O)era4!n,e *are se )"t rea,/a )rn ntered!, a*est! ser#*! s!nt:

- e?e*t!area ),54,"r 8n ,e$ 8n sste ntra- nterban*ar 6n*,!s# tae,e )"/te,e,"*a,e7H -

- "b4nerea etrase,"r de *"nt )entr! *"nt!r,e s!b*"nt!r,e 8n ,e #a,!t5H -- *"ns!,tarea b!,etn!,! n?"rat# a, Dre*4e de Tre/"rere *are *!)rnde n?"ra4

*! )r#re ,a *!rs!r,e de s*2b #a,!tar$ d"b9n/,e de)"/te,"r ,a teren 8n ,e #a,!t5$ *"ta4,e B!rse de #a,"r$ es!n,e de tt,!r de stat$ nd* )e4enterna4"na,e de *a)ta,H -

- *"nstt!rea de)"/te,"r ,a teren 8n ,e #a,!t5H -- )art*)area ,a )a4a #a,!tar5 nterban*ar5H -- )"rte)"rt de ba/e de date dn8n a,te a),*a4 de ?ra 6e: SAP7+


15/19

Grad!, de !t,/are a, ser#*,"r de e-ban0n1 a *res*!t 8n r9nd!, *"r)"ra4,"r$8ntre)rnder,e * !t,/9nd a )!4n ser#*,e de ),at5 e,e*tr"n*5+

Prn*)a,e,e "t#e$ *"n?"r st!d!,!$ )entr! *are se !t,/ea/5 sa! n! e-ban0n1-!,:

- C""dtatea e*"n"a de t) s!nt )rn*)a,e,e "t#e )entr! *are *")an,e!t,/ea/5 !n ser#*! e-ban0n1+H -

- E?e*t!area tran/a*4,"r 8n t) rea,H -- S1!ran4a a*est"raH- E#tarea a1,"era4e )e dr!!, )9na ,a ban*5 8n n*nta a*estea+

%+.+ A#anta3e,e ser#*,"r ban*are "n-,ne

Ana,/a at!!r,"r ser#*,"r ban*are "n-,ne treb!e e?e*t!at5 at9t dn )ers)e*t#a

nstt!4e ban*are$ *9t dn )!n*t!, de #edere a, *,ent!,!!t,/at"r$ s!b *e,e d"!5 ?"re 8n *arese )re/nt5 a*esta:-*,ent!, nd#d!a, - *,ent!, nstt!4"na,+

Dn )!n*t!, de #edere a, b5n* ?!rn/"are$ ser#*,e de e,e*tr"n*-ban0n1 *")"rt!r5t"are,e a#anta3e:

-Creterea 1rad!,! de sats?a*ere a *ern4e,"r *,ent!,!$ dat"rt5 ?a)t!,! *5 a*est ser#*!este ds)"nb, %( de "re )e / < /,e )e s5)t59n5$ ,5s9nd *,ent!,! )"sb,tatea s5 a,ea15*9nd !nde s5 8 e?e*t!e/e tran/a*4,eH

-Creterea rate de )5strare a *,en4,"r )rn e,narea *"nd4"n5r ?a45 de ,"*a4a ?/*5a !ne b5n* sa! de n!5r!, de ?,a,e )ers"na,!, ds)"nb,$ a#9nd 8n #edere *5 !n *"nta*tdre*t *! re)re/entan4 !ne b5n* este !,t a rarH

-P"sb,tatea etnder re1"na,e *! n#est4 !,t red!se 8n ,"*a4,e ?/*e a,e ?,a,e,"rsa! a1en4,"r+

-Internet-!,$ )rn ntered!, ar0etn1!,! ba/e,"r de date$ )re/nt5 ")"rt!nt54 !n*e de"?erte )ers"na,/ate )entr! !n n!5r !,t a are de *,en4+ S)re ee),!$ 8n "ent!, 8n*are !n *,ent a**esea/5 ebste-!,$ *!n"s*9nd ser#*,e )e *are *,ent!, res)e*t# ,e ?","sete nterese,e )e *are ,e are$ )rn ntered!, !n! s"?tare )ers"na,/at$ *,ent!,! se )"ate "?ern"!, )r"d!sser#*!$ ?e a, b5n*$ ?e a, !n! )artener+

-Ident?*area *,en4,"r sa! se1ente,"r )r"?tab,e de *,en4+ O ba/5 de date *!

n?"ra4 *"),ee des)re *,en4$ *e )"t ? "b4n!te )rn ste-!, de nternet$ )"ate ?a*,ta ana,/adeta,at5 a ?e*5r! *,ent sa! a !n"r 1r!)e de *,en4 5s!rarea )r"?tab,t54 a*est"ra+ A*est"r*,en4 )r"?tab, , se )"t ?a*e "?erte s)e*a,e )entr! a- re4ne+

-Tran/a*4,e ban*are "n-,ne a! *"st!r,e *e,e a red!se dntre t"ate t)!r,e detran/a*4+

-Ia1ne b!n5 )e )a45+ B5n*,e *are "?er5 ast?e, de ser#* s!nt )er*e)!te *a ,der 8n),eentarea te2n","1e$ a#9nd " a1ne a b!n5 )e )a45+


16/19

"entru utili#atorul-per$oan %i#ic online, banking-ul pre#int urmtoarele avanta!e:

-C"st!r red!se )entr! a**es!, ?","srea d?erte,"r )r"d!se ser#* ban*areH-C""dtate+ T"ate tran/a*4,e ban*are )"t ? e?e*t!ate de a*as5 sa! de ,a br"!$ ?5r5 a ?

ne*esar5 de),asarea ,a sed!, b5n*+

-Vte/5+ R5s)!ns!, ed!,! este ?"arte ra)d$ ast?e, 8n*9t *,ent!, )"ate ate)ta )9n5 8n!,t!, n!t )entr! a n4a !n trans?er de ?"nd!r+-Adnstrarea ?"nd!r,"r+ C,ent!, )"ate a#ea st"r*!, d?erte,"r *"nt!r )"ate ?a*e

ana,/e )e )r")r!, *")!ter 8nante de a rea,/a " tran/a*4e )e eb+

"entru clien&ii in$titu&ionali, avanta!ele $unt'

-C"st!r red!se )entr! a**esarea !t,/area d?erte,"r )r"d!se ser#*$ s",*tarea de*redte$ des*2derea de a*redt#e et*+

-A**es ,a n?"ra4+ C"r)"ra4,e )"t a#ea a**es ,a n?"ra4$ )!t9nd #edea st!a4a*"nt!r,"r )rntr-!n s),! *,*0 de "!se+

-Mana1eent!, ,*2dt54,"r+ Ser#*,e ban*are )rn nternet )ert *,ent,"rnstt!4"na, s5- trans?ere ban dntr-!n *"nt 8ntr-a,t!, )entr! a ?a*e ),54$ a#9nd " a1ne)eranent as!)ra ,*2dt54,"r+


17/19

C"n*,!/

C"ntn!a de/#",tare te2n","1*5 *")et4a 8ntre "r1an/a4,e ban*are estente *e,en"! 8n?n4ate$ a! )!,s"nat d#ers?*area )r"d!se,"r ser#*,"r ban*are$ ?5*9nd!-sea**esb,e sa! ?nd dstrb!te *,en4,"r )e *a,e e,e*tr"n*5+ T"ate a*estea ?"rea/5 aan!t!, Internet ban0n1 sa! )e s*!rt e-ban0n1+

De/#",tarea ra)d5 a *a)a*t54,"r e-ban0n1-!,! are de")"tr#5 bene?* rs*!rdat"rate 8n s)e*a, se*!rt54 re4e,e,"r de transse a date,"r+ Dar rs*!r,e ban*are est5 )rn8ns5 de?n4a nstt!4e sa!$ a bne /s$ )rn nat!ra a*t#t54,"r s)e*?*e$ ast?e, 8n*9t

)"rtant este *a rs*!, dat"rat e-ban0n1-!,! s5 ?e bne*!n"s*!t$ *"ntr",at ?"arte bneadnstrat 8n s*")!, red!*er ,!+Sstee,e de ),54 e,e*tr"n*e a! e#",!at 8n d"!5 dre*4: 8n d"en!, ),54 b!n!r,"r

ser#*,"r )entr! )")!,a4e 6#de"te$ Internet$ "b,e ban0n17 8n d"en!, ),54,"r8ntre )ers"ane 3!rd*e 6!,t*as2$ *as2 ana1eent7+

>n d"en!, ser#*,"r )entr! )ers"ane ?/*ese ?","sete sste!, Internet ban0n1ba/at )e *5r4 de ),at5 *! !n 1rad de se*!r/are a rd*at$ar 8n d"en!, ),54,"r 8ntre )ers"ane3!rd*e se !t,/ea/5 Internet ban0n1 ba/at )e ")era4!n dn *"nt!r *! " se*!r/are a )!4ns"?st*at5 8ntr!*9t )artener se *!n"s* n! a! ne#"e de *ert?*ate de a!tent*tate *2e)!b,*e+Internet!, se etnde n R"9na *! " #te/5 1re! de a1nat 8n !ra *! *94#a an

a*a)area/5 aten4a t!t!r"r *e,"r *are a! *e#a de *5!tat$ dar )e a *e,"r *are a! *e#a de s)!s+Intr- !n *!#9nt$ ntera*4!nea dntre ?!rn/"r *,ent se !t5 8n*et$ dar s1!r$ dn 12e!,ban*ar 8ntr- " Q?ereastr5 )e e*ran!, *")!ter!,!$ sn1!ra *ern45 ?nd " *"ne!ne ,a Internet+Ma !,t$ b5n*,e a! de)a5t ?a/a de a- a?a )e !n ste )r")r! )r"d!se,e ser#*,e"?erte$ ate)t9nd *!r" s5 8 a**ese/e$ a! )"rnt ,a ata* )rn ),eentarea de s",!4 deInternet ban0n1+

C! *9t 1rad!, de ?","sre a a*est! ser#*! este 8n *retere *! at9t *a,tatea ,! "d!, 8n*are este ),eentat 8 #"r s)!ne *!#9nt!, )entr! a,e1erea ?na,5 a )"ten4a,,"r *,en4+

Untatea de 5s!r5 a *a,t54 )e Internet " re)re/nt5 1rad!, de !/ab,tate a !n! sste"n,ne+ F5r5 8nd"a,5$ *")"rtaent!, *"ns!at"r,"r de ser#* ban*are s-a "d?*at "dat5

*! de/#",tarea de n" )a*2ete de )r"d!se "rentate *5tre *,ent ente a ? nstr!ente dear0etn1 8n ,!)ta )entr! s!)reate a b5n*,"r+ Da*5 )9n5 de *!rand$ a,e1erea !ne b5n* se?5*ea 8n ?!n*4e de a),asarea a*estea *9t a a)r"a)e de br"!$ de *"s"ane,e tar?e,e)ra*t*ate de re)!ta4a e$ 8n )re/ent ,!*r!r,e s-a! a s*2bat+

Pe ,an15 re?ern4e,e dn )artea a,t"r *,en4 a *rter,"r a s!s en4"nate$ !t,/at"r*a!t5 ser#*,e *! #a,"are ad5!1at5$ 8n*er*and s5 15seas*5 8n ban*5 !n a,at de 8n*redere n! "nstt!4e br"*rat*5+


18/19

>n 1enera,$ b5n*,e -a! ada)tat s",!4,e de "n,ne ban0n1 8n ?!n*4e de ne*est54,e!t,/at"r,"r$ ar *e,e *are a! ,ansat aseenea ser#*$ a! s5rt )este eta)a teste,"r$8n#atanddne)eren4a *"n*!ren4 e+ Ast?e,$ da*a n! *! !,t t) 8n !r5$ a),*at,e de "n,ne ban0n1era! 1re! de ?","st$ ne*esta! ?"arte !,te a!tent?*ar sa! ,ta! !t,/at"r ,a !n an!t t) de*"ne!ne ,a Internet )entr! *5 d"ar aa se )!tea rea,/a *"!n*area *! ban*a$ 8n )resent

,!*r!r,e s-a! s*2bat+>ntre )rn*)a,e,e a#anta3e a,e a*este "da,t54 de *"!n*are se en4"nea/5 1rad!,rd*at de ntera*t#tate *! se1ent!, 4nta de *,en4$ )"sb,t54 te2n*e d#erse 8nd"en!, )re/ent5r n?"ra4e 6banner$ ,n0-!r s)"ns"r/ate$ nes,etter$ ad#ert"ra, et*+7$)"sb,tatea atn1er 4nte *! )re*/e rd*at5$ e?*en4a dn )!n*t de #edere a, *"st!r,"r+F,eb,tatea$ )r"*esarea ")era4!n,"r rea,/and!-se 8n *adr!, )r"1ra!,! ban*ar 8n t) rea,$"b,tatea$ ser#*!, )!t9nd ? a**esat de ,a "r*e *a,*!,at"r *"ne*tat ,a Internet$ *""dtatea)rn adnstrarea de ,a dstan4a a *"nt!r,"r *,en4,"r BCR$ ra)dtatea 8n trans?er!, s!e,"r$s1!ran4a *"n?den4a,tatea tran/a*4,"r s!nt d"ar *a4#a dntre ?a*t"r *are a! atras !n n!5r?"arte are de *,en4 a Ban* C"er*a,e R"ane sa !t,/e/e ser#*!, de e-ban0n1+

Prn ntered!, nstr!ente,"r de ),at5 *! a**es ,a dstan4a se e*"n"ses* t) s

ban$e?e*t!9nd ")era4!n *are se rea,/ea/5 8n "d *!rent ,a 12se!, ban*$ 8ns5 *! *"s"ane*! )ana ,a ;&= a *+ Internet ban0n1!, este !n ser#*! ds)"nb, t!t!r"r )ers"ane,"r$ )rn*are se )"t rea,/a ")erat!n ban*are %( d"re )e /$ sa)te /,e )e sa)ta9n5$ dn "r*e )arte a,! !nde esta " *"ne!ne Internet$ "?ernd "b,tate *"n?"rt+

Tran/a*4,e a! ,"* "n,ne 8n t) rea,$ bene?*nd de a*e,as 1rad de )r"te*4e a*"rdatde ban*a )r")r!,! sste n?"rat*+ Se*!rtatea tran/a*4 ,"r rea,/ate )rn Internet este )rn*)a,!, as)e*t *are ar treb! sa-, nterese/e )e *,ent+


19/19

Analiza Comparativa a Sistemelor de E-banking

Documents

Transcript of Analiza Comparativa a Sistemelor de E-banking