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E-banking as we take it today is a very superficial phenomena. A very Complex network commitment of thousand of people, extensive market research, huge technological structure, series of integrated computers and many more things stands behind the products that has made job of a banker and life of a bank client easy as well as mechanical. Here, I will highlight some important issue from both the producer prospect.

E-Banking (The Producer Side):

The producers are the bankers. Thee are the people who lead the bank and deign the policies following issues need a particular attention as the discussion comes to E-Banking.

(i)- Location Customers:

As a bank moves on to e-banking or comes online or start Internet banking. Its market at once expands to the other corner of the world. As the market expand the potential customers and the competitors also increase. These places more responsibility on the shoulders of the bank management to locate more clients to justify the huge investment that bank has made to come online. A bank is required to know the values of its global customers. He is required to broaden his view so as to develop the art of seeing the invisible.

(ii)- User Friendliness:

How effective is online service of the back? The effectiveness can be judged from the degree of the user friendliness. Every Client of the back need not be a computer expert as well. So he might get irritated if the online service requires him to perform many tasks that demand technical knowledge of the computer programs. For better results the e Baking should be made free of all kind of unwanted technical details.

(iii)- Computer Crime:

Cyber Terrorism is increasing with the passage of time. Banks are one of the greatest victims of it. Money manipulation and embezzlement by AMTs and online technology is a threat to the success of the e-banking (I think all of us remember that how the kid in famous movie Terminator 2 decodes the accounts and takes money from ATM)

(iv) - Human Element:

Well would any one of us like to live a life at a place where there would be all amenities of life but no other human being? Absolutely NO. There is an extend to which we make our life mechanical. Beyond that we need a human element to heal the ailments of mechanical life. Similar is the case of e-Banking. There is a need to identify places where client needs a representation from good-looking neatly dressed bank employees in an amicable way. A Computer assisted voice message or an e-mail message is likely to irritate the client at such places. So e-banking is good but not every time.

(v) - Regulation Authority:

The Legal framework, rules and regulations hold an important position in the promotion of e banking. Where a bank goes multinational or multi-local it ha to watch rules that change with new area. There might be different polices, tax rates, tariffs, criteria of service or hinder ness to access particular market. Electronic evidences may or may not be legally acceptable at different places. Legal Position of electronic contract also ha a different definition around the globe.

(vi) - The Human Resource:

Although IT products and electronic devices are conquering more and more banks, yet we must never forget those who operate there machines and make use of equipment. The human resource is always superior to a mechanical resource. Remember that the human capital is the sustainable competitive advantage. Their motivation is at times far more important that than the operative efficiency of the machine. So a Bank must pay considerable attention towards the motivation, commitment and above all loyalty of its employees.

(vii)- Cut-Throat Global Competition:

As Already stated competition get more and more fierce. As the battle ground and competitor change so do the plans and policies and equipment to fight with. The biggest weapon in e banking battlefield is innovation and information about innovation. Mistakes could be fatal and speed and accuracy are most reliable tools. Rather than trying to do better than a competitor, try to innovate a new product. Because by the time you get expertise in some other’s product and become better at it’ your competitor would have moved to second or third generation of that product, So don’t waste time in copying, rather than other copy you.