Online Banking Research Proposal Example | Topics and Well Written Essays - 3000 words

Online Banking - Research Proposal ExampleSeveral studies have been conducted to with an aim of demo trends in the adoption of internet banking among adults and different geographic atomic number 18as. Online banking services and products include both wholesale and retail products. Wholesale products are generally meant for corporate customers while retail and fiduciary products are meant for consumers.Online banking has become a popular and safe way for individuals, institutions and organizations to stay connected with their bank accounts. Online banking is mostly preferred above over-the-counter-banking since it is audacious and it offers the flexibility that is desired by clients (Hossein, 2004). It however also remains a high-risk subject considering that frauds are more easily conducted online and over remote distances than when banking activities are conducted offline. While several studies have been conducted on online banking, thither is a clear gap that needs to be filled how do different gender resuscitate to internet banking.This study is therefore aimed at finding how different sexes respond to online banking. Of great interest is the balance of online banking users in terms of gender, the specific services that are preferred by each sex and for what reasons other services are not preferred.Todays internet banking has succeeded distance banking services that were conducted electronically during the early 80s. The term online banking was ordinarily adapted inn the late 1980s to refer to the use of keyboard, monitor and a terminal to admission charge the electronic banking system using a phone line. It was in New York in 1981 that online banking services began. The citys study banks Chase Manhattan, Citibank, Manufacturers and Chemical offered home banking services by use of the videotext system.United Kingdoms first online banking service was naturalised by NBS (Nottingham Building Society) in 1983. The online system was based on the Preste l system, a television set, a electronic computer and a telephone system. The system allowed viewing of statements online, bill pays, and bank transfers (John, Levine & Carol, 2007). In order for bill payment and bank transfers to be effected, written instructions had to be first sent to the NBS who then updated the Homelink system of the intend transaction.Many banks today offer secure, fully functional internet banking for a small fee or sometimes even free of charge. As online banking