Notice bibliographique
Résumé
Simpler and more affordable technology brings Internet banking to smaller institutions For a closer look at the future of community banking, take an online look at the World Wide Web. Internet banking is the trend of tomorrow for financial institutions large and small. However, while the mega, multi-state banks are already enjoying the productive fruits of e-business, banks in smaller towns and communities are only now rapidly logging on to the benefits of online commerce. A new generation of convenient and more affordable technology has put online banking within the reach of even the smallest community bank. These new solutions include dynamic remote web software systems, Internet host interfaces, and highly-specialized online banking support services. By understanding the trends and technologies that are driving the move toward Internet banking, community banks can position themselves to take full advantage of this crucial development. Online trends The Internet revolution is coming to a community bank near you. The use of personal computers continues to grow, with more than half of U.S. consumers having access to a home computer. Industry statistics show that by mid 1998, almost 80 million consumers in the United States and Canada had Internet access. By the year 2002, some 320 million people around the world are expected to use the Internet on a regular basis, and many say that growth will continue as users in smaller communities and developing nations acquire Internet-capable technologies. Internet banking itself has been a long time coming. The first PC banking systems were developed in the 1980s, and Microsoft launched the first home banking network in 1994. By 1996, some one million U.S. households banked via the Internet, a number that grew to more than 4.2 million by the end of 1997. Industry observers predict that online banking will continue to grow, with projections showing some 28 million U.S. households will bank online by 2001. Those are significant numbers, and they are changing the way banks deliver products and services. For community banks that want to stay ahead of local competition and major interstate banks, the question is not if they will offer online services, but when. Community challenges While community banks can certainly derive significant advantages from Internet banking, e-commerce also poses unique challenges for the smaller institution. Depending on their location and demographics, local banks may need to work a bit harder to sell online banking services to their customers. Rural banks in particular, when compared to banks in metropolitan regions, may serve customers who are less technical and who have not invested as heavily in Internet-ready technology. Some older customers may be less receptive to the newness of Internet banking. However, as consumers in smaller communities catch up to their big city counterparts in terms of PC usage and Internet access, community banks with online capabilities will come out ahead. By their very nature, smaller banks often do not have and cannot afford the technical infrastructure maintained by their larger competitors. Few local banks, for example, have the resources to build or maintain their own web-enabled data center. For this reason, most community banks rely on external specialists for technical design and expertise and may lease their infrastructure from independent suppliers. The same limitations often apply to the personnel needed to design and troubleshoot e-banking systems. Some community banks, like small businesses in many other industries, simply cannot afford to hire their own information technology staffs. Some now turn to independent consultants and buy both hardware and software on a pay-as-you-go basis. Banks should realize that no immediate cost savings will be gained by implementing Internet banking because they are adding a delivery channel to their existing cost structure. …
Récupéré en direct depuis OpenAlex et désinversé. Les résumés ne sont pas conservés dans cette base de données : les index inversés représentent 8,6 Go des 9,3 Go de texte de la base, et le serveur dispose de 13 Go libres.
Comment cette classification a été obtenuedéplier
Prédiction machine sur la base complète
Imitation des enseignantsNi prévalence calibrée, ni vérité terrain. Validation humaine à venir. Le volet Gemma est une étiquette directe du modèle pour chaque travail de la base, lue sur la notice réduite au titre. Le volet Codex est un classifieur appris des 10 348 étiquettes directes de Codex et calibré sur les taux pondérés de l'échantillon; les champs sans appui suffisant ne portent aucun appel Codex. Le mode candidate est l'union des deux volets; le consensus est leur intersection. Ces sorties portent le statut machine_predicted_unvalidated et ne sont pas des étiquettes humaines.
Scores du classifieur distillé par catégorie (deux têtes)
| Catégorie | Codex | Gemma |
|---|---|---|
| Métarecherche | 0,001 | 0,005 |
| Méta-épidémiologie (sens strict) | 0,001 | 0,001 |
| Méta-épidémiologie (sens large) | 0,001 | 0,001 |
| Bibliométrie | 0,002 | 0,003 |
| Études des sciences et des technologies | 0,005 | 0,001 |
| Communication savante | 0,011 | 0,008 |
| Science ouverte | 0,001 | 0,007 |
| Intégrité de la recherche | 0,004 | 0,003 |
| Charge utile insuffisante (le modèle a refusé de juger) | 0,759 | 0,671 |
Scores machine (provisoires)
Les deux têtes enseignantes du modèle étudiant, lues sur ce travail. Un score ordonne la base pour la relecture; il n'affirme jamais une catégorie, et le statut de validation accompagne chaque rangée tel quel.
Scores de référence d'un modèle non mature (critères de maturité non atteints, 7 itérations). Un score ordonne; il n'affirme jamais une catégorie.
score_only:v0-immature-baseline · tel quel depuis la passe de notation : score_only signifie que le nombre peut ordonner les travaux, et qu'aucune étiquette de catégorie n'en découleClassification
machine, non validéePrédiction automatique; un appel candidat d’une seule source (Gemma direct ou Codex distillé), pas un consensus.
Le détail, modèle par modèle et score par score, se trouve en fin de page sous « Comment cette classification a été obtenue ».