Vertrieb von Bankdienstleistungen über das Internet
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Inhaltsangabe: Einleitung: Wenn das Internet die Welt verändert... ...wird es dann auch Auswirkungen auf die Bankenlandschaft in Deutschland haben? Mit Fragen wie Können Sie mir das auch mailen?" oder Schauen Sie doch im Internet nach" oder Wie war nochmal die Internetadresse von ...?" wird man heutzutage immer häufiger konfrontiert. Woran liegt das? Die Internetverbreitung wurde durch die rasante Entwicklung in der Computerbranche begünstigt. Zum einen erhöhte sich die Leistungsfähigkeit der PCs in den letzten Jahren in einem atemberaubenden Tempo, zum anderem sind die Preise in der gleichen Zeit drastisch gesunken. Nahezu jeder hat die Möglichkeit ins Internet zu gelangen, sei es von zu Hause, vom Büro oder aus einem Internetcafe. Die Wachstumsraten in diesem Bereich werden auch in Zukunft weiter zunehmen. Doch was hat dies mit der Bankenlandschaft zu tun? Die Bankenlandschaft befindet sich in einem tiefgreifenden Umbruch. Die zunehmende Globalisierung und technologische Entwicklung, die die weltweite Verfügbarkeit von Informationen und Dienstleistungen über das Internet ermöglicht haben, verändern die Märkte, auf denen Unternehmen, im Besonderen aber auch Finanzdienstleistungsunternehmen, aktiv sind. Immer mehr Anbieter konkurrieren in einem entstehenden globalen Dorf miteinander um die Gunst der Kunden. Nicht nur etablierte Finanzdienstleistungsunternehmen wollen über das Internet Marktanteile sichern und ausbauen, sondern auch Near-Banks" (z. B. Kreditkartenunternehmen) und Non-Banks" (z.B. Softwarehäuser) aus dem In- und Ausland werden angesichts niedriger Markteintrittsbarrieren versuchen, Fu zu fassen. Das World Wide Web schafft für den Bankkunden eine neue Welt nahezu unbegrenzter Informationsmöglichkeiten und einen zeitlich nicht limitierten Zugang zu Finanzdienstleistungen mit einer insgesamt erheblich verbesserten Markttransparenz. Dadurch erhöht sich die Attraktivität des Netzes für Privatkunden, die von den Möglichkeiten des Internetbankings
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Rich Dad Poor Dad: What the Rich Teach Their Kids about Money That the Poor and Middle Class Do Not!
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