Internet banking modelo de transferência interbancária via Web

Abstract

The e-Business (electronic business) dominated the world since the first decades of the emergence of the Internet, moving small, medium and large organizations to this modern form of competitiveness in markets outside their jurisdictional domain, with organizations currently not having geographic limitations. The e-Business provided organizations with increasingly wide-ranging markets and offered more convenience to the customer, giving him the possibility of carrying out any type of transaction without necessarily having to travel to the organization's physical facilities. You can do it at any point, as long as you have a computer with a browser connected to the Internet. It was within this scope of business modernization that banking took to the Internet what were operations carried out at the branch, giving rise to the concept of Internet Banking (IB - Internet Banking). IB has greatly revolutionized banking services, and large transfers of money via the Internet are now visible around the world in the payment of goods and services. Mozambican banking was not unaware of this new trend of doing business. With a view to improving the Mozambican IB, this paper assesses the type of banking transactions made available by commercial banks in Mozambique and proposes a model for Interbank transfer via the Web, based on the unique number of the bank account (NUCB). Since it is achievable to improve the level of customer satisfaction. The author for the design of the proposed model distributed surveys and conducted interviews in all commercial banking institutions in Mozambique to assess: • The current level of IB implementation in Mozambique; • Types of banking transactions provided by national commercial banks that offer their customers the IB service; • The level of partnership between commercial banks to facilitate interbank transactions.