M-Banking

M-Banking

Mobile Banking ist eine sog. Applikation (Anwendung) aus dem Bereich Mobile Commerce. Mit dem Begriff „Mobile Banking“ (auch M-Banking oder mBanking genannt) wird die Abwicklung von Bankgeschäften bezeichnet, die unter Zuhilfenahme von mobilen Endgeräten wie Mobiltelefonen oder PDAs stattfindet.

Mobile Banking besteht aus drei Anwendungen

  • Mobile Kontoführung (Mobile Accounting)
  • Mobile Depotführung (Mobile Brokerage)
  • Mobile Finanzinformationen (Mobile Financial Information Services)

Da Informationsdienste die notwendige Entscheidungsgrundlage für Transaktionen liefern, können Konto- bzw. Depotführungsdienste nur angeboten werden, wenn eine gewisse Mindestzahl an Informationsdiensten mitangeboten wird. Informationsdienste hingegen können auch als unabhängiges Modul, d.h. ohne Ermöglichung der Transaktionsdienste, angeboten werden.

Aus Vertriebssicht ermöglicht Mobile Banking den Banken einen zusätzlichen Distributionskanal. Das ist der Grund, warum Mobile Banking in der Multikanalstrategie vieler Banken eine wichtige Rolle einnimmt.

Literatur

  • Tiwari, Rajnish und Buse, Stephan (2007): The Mobile Commerce Prospects: A Strategic Analysis of Opportunities in the Banking Sector, Hamburg University Press (kostenloses E-Book als PDF oder Print-Version zum Bestellen).
  • Tiwari, Rajnish; Buse, Stephan und Herstatt, Cornelius (2006): Customer on the Move: Strategic Implications of Mobile Banking for Banks and Financial Enterprises, in: CEC/EEE 2006, Proceedings of The 8th IEEE International Conference on E-Commerce Technology and The 3rd IEEE International Conference on Enterprise Computing, E-Commerce, and E-Services (CEC/EEE'06), San Francisco, pp. 522-529.
  • Tiwari, Rajnish; Buse, Stephan und Herstatt, Cornelius (2006): Mobile Banking as Business Strategy: Impact of Mobile Technologies on Customer Behaviour and its Implications for Banks, in: Technology Management for the Global Future - Proceedings of PICMET '06.
  • Tiwari, Rajnish und Buse, Stephan (2006): Mobile Banking: Aufgeschlossen für neue Technologien, in: Bankmagazin, Ausgabe: Juni 2006, S. 54-56, Gabler Verlag, Wiesbaden. (PDF auf der Forschungsprojektseite)
  • Feith, Peter (2001): Mobile-Banking auf Basis von Finanzportalen, 1. Aufl., Frankfurt am Main

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