1. Answer of Internet Banking

2. Benefit to customers Process transactions after office hours
Save the commuting time (to the bank)
Save the waiting time

3. Benefits to the banks Reduce the number of tellers
Salaries, training costs
Happier customers in the branches
Reduce the waiting time
Reduce the number of branches
Rent, computer facilities, papers, electricity bills

4. Promote the use of Internet Banking
Offer gifts, discount; waive fees
Higher interest rates
Lucky draws, Bonus points
Provide more information to customers
Tellers, Leaflets, Advertisements
Demonstration in the branches

5. Identify the problems Survey
Reasons why people do not use it
Reasons why people use it
Plan to overcome problems (identified in the survey)
Provide seminar to customers?
Provide computers in the banks?

6. Advantages of Mobile phones in Banking
access the applications in any place, any time. They do not need a wired connection.
use both telephone signal and WiFi (for high end models) to access the Internet.
Minimum user training as users already knew how to operate a phone.
easier to carry a mobile phone than a notebook computer.
Mobile phone is less expensive than computers.
get information (such as price of stock) faster as most of the time users will carry a mobile phone

7. Possible problems of Mobile Phone in Banking
The CPU in mobile phone is slow.
Small screen
Limited memory on the phone and lack of standard
Efficiency - Difficult to key in data
Security problems in using mobile phones
Slow transmission speed
Difficult to print / save information