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文章紧密围绕淄博区域有效建立成果转化服务体系、提升服务质量进行了创新实践,促进技术转移转化,活跃了区域技术市场交易,促进区域新兴产业（新材料产业）发展的服务模式进行了探讨。 相似文献
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如何在信用卡和电子商务认证机构未健全之前,能安全可靠地进行电子商务业务已得到关注.国内银行、有一定销路产品的企业就是否介入电子商务交易、服务已有所考究.通过对多个电子商务项目的跟踪分析,提出银行、企业如何顺应市场需求,保护消费者利益,优惠消费者,实施安全可靠的点对点一流通信服务.只有善于精心经营,才有机会产生电子商务交易效应,轰动效应,促进存款量的增加.指出不务实的贪大求全会导致一次性投入成本高和以次充好的滥竽充数的不合理投入,皆会影响电子商务平台的效益.论述了银行、企业、消费者的通信接口安全,降低运营成本,做实电子商务主业的有效途径. 相似文献
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在使用电子银行支付和交易中,密钥的敏感性和随机性决定了交易安全。传统方法采用算术编码方法进行电子银行密钥设计,敏感性表征效果不好,安全性不佳,提出一种基于Turbo编码的电子银行支付安全密钥敏感性表征方法,进行电子银行支付Turbo编码设计,设计电子银行支付安全密钥总体系统,基于Turbo编码的电子银行支付密钥重传协议得到改进的电子银行支付安全密钥敏感性表征算法。实验结果证明,该算法电子银行支付安全密钥的敏感性特征和加密性能接近理论最优,实现优化加密,能有效滤除干扰因素影响,对异常操作具有较好的敏感性表征,电子银行支付安全性得到改善。 相似文献
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网络银行是支持在网络上进行交易的虚拟银行。网上银行利用internet技术,为客户提供综合、统一、安全、实时的银行服务,包括提供对私,对公的各种零售和批发的全方位银行业务,还可以为客户提供跨国的支付与清算等其他的贸易、非贸易的银行业务服务。网上银行以其方便、快捷、低成本等独特优势向传统银行的服务模式发出了挑战,呈现出惊人的发展速度,展示出其巨大的发展潜力。但面对与外资银行在这一领域的激烈竞争,我国网上银行发展中还存在着许多问题,需要认真的加以分析。 相似文献
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金融企业通过使用电子银行/支付安全系统(DNA)技术后可以把交易资料和授权资料分两个渠道传送到银行账户主机。DNA系统改变了银行各种电子交易处理平台沿用几十年的单轨式交易传送系统,而采用双轨式的交易传送系统,有效解决了因客户重要金融资料遗失或被盗后引发的风险。本文以一商业银行对此技术的应用及实现进行阐述。 相似文献
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国家专利技术（长沙）展示交易中心是国家知识产权局首批设立的国家级专利交易中心。挂牌成立两年多来,该中心抓紧机遇,以培育信息对称、交易活跃、秩序良好的知识产权交易市场体系为着力点,以各级企事业单位、专利技术发明人,不同区域投资机构为服务主体,以展示专利技术和专利产品、提供发布供需信息、组织专利技术交易活动为主要任务,为转变经济发展方式、促进产业结构转型升级作出了较大贡献,缔结了累累硕果。 相似文献
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[目的/意义] 剖析社交金融环境下用户对银行平台和服务的需求和偏好,帮助银行管理者、平台设计者和运营者在社交金融环境下有的放矢地优化其平台和服务。[方法/过程] 通过正交实验设计确定研究所需实验集并设计实验卡片和素材,采用联合分析对问卷收集到的数据进行分析,探寻社交金融环境下用户对银行网络平台和服务的偏好,并基于研究结果提出了社交金融环境下银行平台的优化方略。[结果/结论] 研究得出了社交金融环境下用户对银行网络平台设计属性偏好权重,依次是安全性（28.131%）,功能性（17.490%）,易用性（15.222%）,社交性（13.298%）,内容质量（12.942%）和视觉设计（12.917%）,给出了每个属性的效用值以及最受用户欢迎的银行社交金融平台的全轮廓,并在此基础上提出了"建立完善的在线社区/在线论坛,鼓励用户生成、共享内容,实现实时更新""提高平台的安全等级,采用高级的数字证书,寻求第三方权威认证"等建议,供业界参考。 相似文献
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The provision of banking services on the Internet (e-banking) is growing but there is a lack of research related to the organisational issues involved in its adoption. This paper brings theory and practice together by synthesising the existing literature with real-life experience of a UK bank. Two questions motivated this research. First, what is the experience of organisations in adopting e-banking? Second, what are the organisational factors which are critical to the success in e-banking adoption? A case study research approach was used to investigate organisational critical success factors in e-banking adoption at The Woolwich bank. The factors found to be most critical for success in e-banking included: understanding customers, organisational flexibility, availability of resources, systems security, established brand name, having multiple integrated channels, e-channel specific marketing, systems integration, systematic change management, support from top management, and good customer services. We concluded that banks need to implement considerable organisational changes in order to web-enable themselves. The main focus of their e-commerce strategy should be to integrate the e-banking channel with other service delivery channels to maximise benefits. 相似文献
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Rising cyber-crimes have heightened existing concerns about e-banking security. However currently the use of biometric technology in the banking sector is not prevalent. We developed a biometric system for authenticating e-banking and applied the established System Usability Scale (SUS) to evaluate its effectiveness from the perspective of potential users. The case demonstrates that on the whole users are very favourable towards a biometric banking system and ostensibly found the system developed usable. We found that when evaluating the biometric system, its different components needed to be considered – namely the biometric technology and the institutional process that supports verification and authentication. 相似文献
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随着信息技术的发展,电子银行也随之得到了前所未有的发展,目前已经成为现代银行最重要的组成部分。就国内情况来看,电子银行近年也得到了迅速发展。但是,处于国内银行第三梯队的城市商业银行,尽管得益于近几年国内金融市场的有利形势而得到快速发展。但就其整体而言,其竞争力依然很弱,而其电子银行发展更是滞后,这已经无法满足激烈的市场竞争需要。因此,城商行需要清醒认识到电子银行对其自身转型与生存的重要性,找出自身差距,并采取积极措施,不断完善其电子银行的发展,来满足其发展的需要。 相似文献
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This paper examines empirically the factors that affect the adoption of Internet banking by Tunisian bank customers. As base model, we use the technology acceptance model (TAM) and theory of planned behavior (TPB). The model employs security and privacy, self efficacy, government support, and technology support, in addition to perceived usefulness, perceived ease of use, attitude, social norm, perceived behavior control and intention to use Internet banking. Structural equation modeling is employed to examine the inter-correlations among the proposed constructs. A survey involving a total of 284 respondents is conducted and confirmatory factor analysis was used to determine the measurement efficacies. Theoretically, this study confirms the applicability of the TAM model and TPB in predicting Internet banking adoption by Tunisian bank customers. The results allow banks' decision makers to develop strategies that can encourage the adoption of Internet banking. Banks should improve the security and privacy to protect consumers' personal and financial information, which will increase the trust of users. Government should also play a role to support bank industry by having a clear and solid law on this will ensure that customers are more confident for using Internet banking, ensuring a better Internet infrastructure and helps them to encourage users to use Internet banking. Lastly, Tunisian Banks should focus on those clients who already have a home PC, access Internet and more educated and younger since they are the most likely to adopt Internet banking. 相似文献
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A survey of 38 (16 national and 22 foreign) United Arab Emirates' (UAE) bank managers was conducted investigating their perceptions toward automation. Analysis of the survey combined with collected financial performance data yielded several important findings. First, the UAE banks are adopting automated banking technologies on the expectation of enhancing their assets utilization, a short-term oriented profitability objective, in national banks whereas their foreign counterparts are striving for improving their equity multiplying effect, a long-term perceived improved service, quality reduced customer complaints, and improved operations accuracy as the most important benefits arising from banking automation. The system security, training personnel on the use of the system, and customer awareness were preceived as the most important problems in operating the automated system in both and foreign banks. Third, analysis of the interrelationships among national and foreign bank managers' beliefs, experience, and participation on one hand, and their perceptions toward automation on the other, was successful in identifying the most important influencing beliefs on the perceived benefits and problems of automated systems. 相似文献
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信息技术的飞速发展带来网上银行需求日益增加,同时也使网上银行面临种种风险,安全性是网上银行赖以生存和得以发展的核心及基础。几大全国性银行近20年来网上银行银系统建设的经验积累,基本形成了我国金融机构网上银行系统的安全标准,及中小型银行普遍学习采用的一整套信息安全解决方案。本文主要结合2009年江西省农村信用社网上银行系统一期项目实施部署的经验,介绍基于J2EE平台的网上银行信息系统的安全技术选型并分析其优劣。 相似文献
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Nicoletta Corrocher 《Research Policy》2006,35(4):533-544
This paper examines the determinants of adoption of Internet banking among Italian retail banks. In particular it aims at investigating the nature of Internet banking in relation to traditional banking activity. In doing so, the paper analyses the role of firm-specific and market-specific characteristics in affecting the decision to provide financial services via the Internet. The empirical analysis indicates that the adoption of Internet banking depends upon the characteristics of traditional banking activities, particularly in terms of existing networks of distribution and existing customers. First, banks with high branching intensity adopt more slowly than banks with a few branches in place. Second, adoption is negatively affected by the existence of a large customer base, once we control for assets. An important consequence of this is that the provision of financial services over the Internet is a strategy directed more at attracting new customers than at strengthening the relationship with existing ones. 相似文献
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为了更好地适应全球化竞争的商业环境,中国的制造业企业必须注重开展服务营销,有效运用新媒体技术,搜集信息了解顾客需求,生产满足顾客需求的创新产品,并开展定制化营销;通过提高顾客满意度和更迅速的处理顾客抱怨,获取忠诚顾客;通过强大的数据系统实现体验式营销;塑造品牌形象. 相似文献
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在价值共创时代,如何实现数字化转型和创新发展成了企业面临的现实问题和发展的必然趋势,与此同时,知识管理水平和知识创新能力进而成了制约企业创新发展的关键因素,顾客已经成为企业在激烈的市场竞争环境下获取优势的重要资源,基于顾企互动和知识共享的价值创造模式将成为企业商业模式创新的重要趋势,顾客知识的共享对加速企业知识创新进程起着重要的推动作用。基于此,文章从顾企互动的视角对顾客知识共享的决策行为进行了分析,并通过演化博弈模型的构建和仿真分析探究了知识共享成本、知识共享收益、知识储备量和收益分配系数等因素对顾客知识共享决策行为的内部影响机制,通过仿真分析得出结论：（1）当知识共享成本提升时,只有当顾客和企业的参与意愿较高时才会促使知识共享行为的发生,且延缓了知识共享产生的进程;（2）当知识共享收益增加时,能够增强顾客参与知识共享的意愿并且能够加速知识共享进程;（3）当顾客和企业的知识储备量存在差异时,这种差异会一定程度上延缓和抑制知识共享进程,相比之下,当顾客所掌握的知识的储备量大于企业的知识储备量时将更不利于知识共享行为的发生;（4）当企业参与知识共享的初始概率较低时,可以采用为企业制定较高的收益分配系数的方式来促进知识共享行为的产生,但是在确保知识共享行为发生的前提下,为企业分配较多的知识共享收益会延缓知识共享行为产生的速度,此时,加速知识共享行为产生的有效策略是为顾客分配较多的共享收益。 相似文献