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来源:百度文库 编辑:高考问答 时间:2024/03/29 16:32:18
The hollow promise of Internet banking
Nov 9th 2000
From The Economist print edition
Internet banking has failed to live up to its promise, both for traditional banks and for the upstarts that were supposed to wipe them out
UNTIL six months ago, no self-respecting financial consultant would travel without it: the bar chart showing that the marginal cost of Internet banking transactions was a tiny fraction of the cost of branch banking. It was the chart that launched dozens of stand-alone Internet banks. Unshackled from the cost of real property—and real people—Internet banks would, it was claimed, blow stuck-in-the-mud incumbents out of the water. However, as Roberta Arena, director in charge of the Internet for HSBC, a British banking giant, remarks wryly: “Easy to say; tough to do.”
Now Internet banks around the world are faltering. Part of the reason is that their physical rivals have become wiser, launching their own integrated “clicks ’n bricks” strategies that offer customers electronic access as well as dark satanic branches. But they are not undisputed winners either. They are finding that the Internet is, at best, a zero-sum game.

网上银行业务前景空心 2000年11月9日 经济学家从印刷版 网上银行未能兑现自己的诺言,并以传统的银行大款理应将其彻底消灭 直到半年前,没有自尊的财务顾问,将旅行:酒吧图表显示,网上银行交易的边际成本是极小部分银行分行的成本. 这是图,推出数十个独立互联网银行. 打破由房地产的成本与实际的人,网上银行,据称,造成卡--现任中水泥浆. 不过,主场Roberta、主任因特网银行、英国大型银行,是苏:"说来容易; 硬做. " 网上银行是目前世界上不稳定. 部分原因是他们的对手变得更实际,推出自己的一体化"点击'n砖块"战略,使客户获得电子部门以及黑暗当中. 但并非是无可争议的赢家. 他们发现,互联网,充其量一场零和游戏.