The application of Web ATMs in e-payment industry: A case study

Authors:
Wen-Hsien Tsai;Bor-Yi Huang;Jau-Yang Liu;Tsen-Shu Tsaur;Sin-Jin Lin
Affiliations:
Department of Business Administration, National Central University, Jhongli, Taoyuan 320, Taiwan;Department of Finance and Banking, Shih Chien University, Taipei 104, Taiwan;Department of Business Administration, National Central University, Jhongli, Taoyuan 320, Taiwan;Department of Business Administration, National Central University, Jhongli, Taoyuan 320, Taiwan;Department of Business Administration, National Central University, Jhongli, Taoyuan 320, Taiwan
Venue:
Expert Systems with Applications: An International Journal
Year:
2010

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Abstract

Today's highly competitive marketplace is forcing the retail banking industry to optimize every possible revenue-generating opportunity. New electronic channels are replacing the more traditional ones. Web ATMs system represents one of the recent developments in financial service distribution. Through a real-life case study, this article explains how much more advantage can be achieved by enhancing Web ATMs with the latest Web-enablement technology, and examines the key benefits that can accrue from the deployment of integrated circuit (IC) card and smart card reader on Web ATMs. Last but not the least, it is expected that this article could provide strategic thinking with some apocalypses of Web 2.0 to steer the banking system for achievable changes in a direction that is consistent with the needs and expectations of a population, especially in C2C business model.