بانکداری الکترونیکی و کاربرد کارتهای بانکی در بهبود عملکرد بانک
محورهای موضوعی : مدیریت بازرگانی
رسول برادران حسن زاده
1
(استادیار، دانشگاه آزاد اسلامی، واحد تبریز،گروه حسابداری، تبریز، ایران)
ناصر پور صادق
2
(استادیار و عضو هئیت علمی،واحد بناب، دانشگاه آزاد اسلامی، بناب،ایران)
لیلا شکوری ملکی
3
(مدرس واحد ملکان،دانشگاه آزاد اسلامی، ملکان،ایران)
کلید واژه: عملکرد بانک, بانکداری الکترونیکی کارتهای بانکی, کارتهای اعتباری,
چکیده مقاله :
این مقاله درصدد یافتن میزان تاثیر کارتهای بانکی در بهبود عملکرد بانک است.بانکداری الکترونیکی را می توان استفاده و نمایش تکنولوژیهای گوناگون و متفاوت خدمات و گسترش ماشینهای خودپرداز و ارائه مستقیم صورت حساب پرداخت اتوماتیک و انتقال الکترونیکی وجوه و بانکداری خانگی تعریف کرد.یکی از ابزارهای انتقال الکترونیکی وجوه که در تجارت الکترونیکی از اهمیت خاصی برخوردار است،کارتهای بانکی می باشند. مقاله حاضر در جستجوی یافتن میزان تاثیر کارتهای بانکی در بهبود عملکرد بانک ملی استان آذربایجانشرقی است .که با استفاده از اسناد و مدارک و نظر سنجی از مشتریان (دارندگان ملی کارت) در استان آذربایجانشرقی صورت پذیرفت. برای مشخص شدن مسیر کار مبانی نظری مختلفی که می توانست در این تحقیق به ما کمک کند، مورد مطالعه قرار گرفت و در نهایت تاثیر کارتهای بانکی مورد بررسی قرار گرفت. و مشخص گردید که استفاده از کارتهای بانکی در افزایش رضایت و احساس امنیت مشتریان بانک و سودآوری بانک موثر می باشد.همچنین بین تعداد کارتهای بانکی و افزایش تراکنشهای انتقالی توسط پایانه های نقطه فروش و تراکنشهای اصلاحیه ، برداشت و انتقالی توسط خودپردازها ارتباط مستقیم وجود دارد
This article investigates the effect of bank cards on improving the bank performance. Electronic banking (e-banking) can be defind as the technology that represents a variety of different services, such as the common automatic teller machine (ATM) services, direct deposit, automatic bill payment (ABP), electronic transfer of funds (EFT), and computer banking (PC banking). One of the tools of electronic transfer of funds (EFT) that is of special importance in electronic commerce is bank cards. The present research investigates the effect of Bank cards on improving East Azerbaijan Melli Bank performance. This was carried out by using documents and surveying the viewpoints of customers (Melli Card Owners). To determine the method, various underlying theories in this research were used, and eventually the effects of using these cards were considered. It became clear that using bank cards increases the sense of security and satisfaction among customers and the bank’s profiting. Also there is a direct link between using bank cards and the increase of transfer by point of sales, improvement transactions, getting and transferring money by Automatic teller machines.
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Sefidgaran, B. (2007). Money Alternatives Cards. Refah Bank Research and Marketing, (In Persian).
Tabataba'i Rad, S. R. (2000). The Study of the Causes of Non-Expansion and Widespread Use of Credit Cards and Banking in Iran. Master's Thesis, Tehran: University of Tehran, (In Persian).
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Alwani, M. R. B. (2003). Measurement of the Quality of Services in the Public Sector. Tehran: Industrial Publication, (In Persian).
Bahmanpour, Hamid. » The Economic Experience Of Financial Market In Iran And Its Prospects For Future «. For the award of Ph.D. Degree in Economics, University of Pune.
Deshpande , R ., Farley ,J .& Webster , F . (1993)'' Corporate Culture , Customer Orientation , and Innovativeness in Japanese Firms : a Quadrat analysis '' , Journal of marketing , Vol . 57.
Ebrahimi Aski, Nosrat. »Customer satisfaction in Islamic banking in Iran a case study of bank tejarat « . A master dissertation submitted in partial fulfillment of requirements for the award of the Master of Science from the Unversity of Loughborough.
Haghighi, Masoud. » Study of Training Methods Adopted by Banking Industry With Reference To Pune Region « . For the Degree of Doctor of Philosophy (Ph.D.) University of Pune. November 2000.
Kordnaich,A., & Delkhah, J. (2004). Customer Orientation and Customer Satisfaction Measurement Pattern (Banking Industry Pattern). Quarterly Management Development, 22, 81-99, (In Persian).
Mazloumian ، Amir Behdad. » Security in E- banking System in Cyprus «.degree at Intercollege. Master of business Administration (MBA).Cyprus.
Mkolodinsky ، Jane. » The adoption of electronic banking technologies by us consumers « . USA: Emerald Group.
Mujtahid, Hassanzadeh, A. S. (2005). Money and Banking of Financial Institutions. Tehran: Publications of the Institute of Money and Banking, (In Persian).
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H. & Pahnila, S.(2004) '' Consumer acceptance of online banking: an extension of the technology acceptance model.
Rasul F. J., Seyfi, M., & Rashidi, D. (2004). Summary of Keshavarzi Bank Research Projects. Tehran: Tarbiat Modares Research Institute Publication, (In Persian).
Riour, J. (1990). Bank History and Banking. Translated by: Sh. Hashtroodi, Tehran: Publication of the Islamic Revolution Publications and Education Organization, (In Persian).
Sefidgaran, B. (2007). Money Alternatives Cards. Refah Bank Research and Marketing, (In Persian).
Tabataba'i Rad, S. R. (2000). The Study of the Causes of Non-Expansion and Widespread Use of Credit Cards and Banking in Iran. Master's Thesis, Tehran: University of Tehran, (In Persian).
