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You are smiling, it’s the same with banks, no matter how well arrangements that are the branches, they offer you coffee and always pamper your ego with phrases like everything with the power of his firm, unlocks the potential, or life is now, and of course you always smile.

The history of banking is dark and has not changed much, until a few years ago I still remember that most of the population had a very bad image of banks was then launched a massive advertising campaign and intense global level to change this perception , just turn on the TV and see that I speak, now the bank is a facilitator of life, business and helps you realize your dreams, well that’s just the cover, here I’ll tell you what is really a bank.

The bank has several sources one of them came through the goldsmiths, you’ll see people like I was always afraid of the theft of their wealth, to protect their gold and silver gave it to the goldsmiths for these were guarding him, the goldsmiths were people used to working with gold and silver and therefore many of them were guards protecting the money and also vaults or something similar. The owners were therefore the first depositors of the bank, over time this practice of carrying your gold and silver to the goldsmith for safekeeping became common and natural, the goldsmith then began to charge a small rent for guarding your Money is a commission, then when you needed some money going to the goldsmith and withdrew some money and this gave you the smoothly.

Over time the goldsmith began to become a banker, because he realized two things: people rarely withdraw all their gold and silver hit single slowly and deposit receipts stretched the goldsmith’s people began used to pay, that is no longer going for their gold, just paid with their gold deposit receipts signed by the goldsmith billestes like today.

Then the goldsmiths began to lend gold to pay first, then extending their own billestes that could be changed to gold at any time, with no doubt public confidence, and so was born the bench. Read the rest of this entry »

Online banking has generally had good numbers, except bank Open, a subsidiary of Scamander Blanco, who has been the only institutions with losses on the line in the first half of this year despite their deposits and cards, while the other three bodies found in Spain, took advantage of 16.5 million euros, increasing the bad data from 2009, so the first half of the end of the year with good prospects for a digital bank account balance is 11, 7 million profit.

As the growth of online banking, best performance is obtained, and the People’s Bank is currently offering a new storage “Tank Top 6″, which received 7.514 million profits in the first half of this year, the highest at 7.25 million in the first half of last year, followed by inverse, the return was 4.1 million.

Of course if they are declared, the benefits of these entities in the first half, was 36% lower than 25 million 2 years ago.

Although the company reports no ING Direct account, because it operates in Spain under the branches of ING Group is therefore not obliged to submit accounts to the Bank of Spain.

As part of the bank’s Open, was the only one that shows red, reaching 4.86 million losses, with earnings per € 2,350,000 last year.

On the side of existing Canceling a campaign salary, BBVA, from January to June reached about 12.32 million loss in 2009 and went on to earn profits by 4.96 million in the first half of 2010. Also reduce their loans by 1%, slightly lower than in the first quarter.

Until last June, giving € 1,061,000, while in passive absorption is decreased significantly by 40%, to € 666,133,000.

It also allows for online banking revenues are good results with products that can be rented by the Internet and has been released as a credit, loans and deposits some have launched online on the internet in addition to increased attention and customer service.

How has the best websites in the banking industry? … There is no doubt a challenging task because it involves being perceived as the best by the end customer, and to this … where the regulars? Propose here a series of “dimensions” to consider, which may facilitate the analysis to an end are great.

If you do not need to be first in all dimensions, you must have a strong proposal in each, so the combination is considered unique and as the best. This analysis can be extrapolated to other industries, but we must concentrate on the dimensions that we consider important for banking websites. Also try points at the end of this article is that despite being first achieved in all dimensions, so that in the minds of consumers require extra effort …

Dimensions Banking Site

1. Transactional: The best banking site should offer a variety of functions. It is not necessary to have everything imaginable, but if users feel that it does not need to attend a branch in their day to day. It is important to review what has been competition and implement the features that are important to the final consumer.

2. Functionality and Look & Feel: not enough to have all the functions of a competent if they are not easy to use. If the customer has to think to do transactions there is something wrong with this design and should be reviewed, the client should feel welcome to browse the site. One way to measure this is with usability research with customers and to run a correction of the problems encountered, in an iterative fashion.

3. Accessibility: The site must be accessible to all, so consider it navigable by people with varying degrees of disability. Key elements to consider is that the font size changed, that the elements and images have alternative text that the site can be interpreted by software specially designed for blind people surf the web.

Experts in the field of technology spoke about the 10 trends that will shape the future of electronic banking. Currently, there are five million users of electronic banking, whose main activity is the balance of questions, followed by account transfer.

Thus we have 10 electronic banking trends are:
1. currently, there are five million users of electronic banking, whose main activity is the balance of questions, followed by account transfer. It is necessary for clients to diversify their activities to better utilize online banking services.

2. Web 2.0, through participating as PayPal, Google Checkout, Click and Buy, enabling customers to use the Internet for commercial transactions. The growth of these services will have a direct impact on the use of electronic banking.

3. It is important that all expenditures made by government for public programs are done through electronic transfer.

4. Tax return must also be carried out widely through electronic transfer