Internet Business Activities Of Bank Of Maldives

Discussion

The report is prepared to discuss about the internet business activities of bank of Maldives. Financial service industry of nation has been driven with technology and innovation by the exploration of Bank of Maldives since it’s found in year 1982. A stated of art of technological platform is maintained by bank that assist the institution in delivering excellent and convenience financial service to their clients. Aim of organization is to offer financial services that will exceeded the expectation of consumers by being a client centric services.  A fully operated and robust network of agents, branches, point of sales services is operated by bank (Bargiela and Nickerson 2014). A multi-channel approach is employed by bank to reach to its clients a crucial role is plagued by bank as an engine of growth and partner of success. They help in creating long-term value to shareholders by participating in the community development. Report discussed below incorporates the e business management in reference to bank of Maldives. Scope of e business, working of internet, various features of website and e business model is explained in reference to mentioned financial institution. BML enjoys a solid financial platform, it has leadership in service delivery, innovation and strong customer base along with having experienced and dedicated team (Alos et al.  2017).

Answer to a)

Business to business and business to consumers are the two forms of commercial transactions. The business system of Bank of Maldives support B2B and B2C communications. There is one decision maker in business to consumer transactions and contrary to this, the business-to-business transactions rely on dozens of stakeholders from creating orders to procuring financials. Banks provide services to commercial business and corporate in b2b and end users in b2c. Business to retail transaction makes up the largest business and banks have both commercial and consumer banking. Entire business-to-business transactions takes place between corporate levels of business. When considering b2c setting, purchasing does not have lasting impact on consumers and there is lower brand loyalty. Brand loyalty tends to be high in case of b2b transactions (Huang and Benyoucef 2013).

BML has various business to consumer transactions such as largest ATM network, largest branch network, and professional support for business customers, payment gateway services, making international and local payments through mobile banking and internet banking services. The transaction of business to business is provided through optimize commercial credit card payment and enabling migration of payments through electronic alternatives. The procurement of services and collaboration of B2B payments are enables through cloud based. Bank of Maldives provides business-to-business transaction at corporate and business level. Services at this level involve card services, internet banking, loan products, internet banking, and international products. It also involves providing advisory services, merchant and financing services (Gerow et al. 2014). The business to customer section offers bank accounts card services, internet banking, personal loans, self-service banking, BML insurance.

Task 1

Answer to b)

The business benefit of any financial institution such as bank provides them with more environmental friendly way of marketing. Websites helps in building better relationship with the customers, as they are able to review the products online and provide with the feedback that will help in improving their services and products offered. Website helps in increasing sales of business by consistently promoting and updating the contents of website. Websites enables building better relationship with the customers and potential sales of organization can increasing through their own website as it provides the platform of lancing and own products and services.  Websites helps in generating more customers for business of Maldives. It helps in proving the credibility of business by providing various opportunities. Through the websites, the organization can tell the customers why they need to deserve their trust. This help in generating positive feedback for their services and products. Websites serve as a place for potential investors for exploring for what the business is all about and how it can enhance their service in future to serve them in their best interest. Websites help in tracking everything around the business and it provides the platform for communicating with the customers so that they can become well aware with the expectation of customers (Muneeza and Wisham 2016).

The website of Bank of Maldives has various segregations and this comprise of personal, business, corporate, Islamic section and section of news and media. Website depicts the about the history, business strength, values, board of directors, executive management and privacy statement of organization. Section of personal business gives the information on bank accounts, card services, internet banking, insurance, self-service and personal loans. Business section gives the information on internet banking, loan products, merchant services and international trade. Section of investor relations gives the relevant information that are useful to investor such as quarterly report, annual report, shares and dividends. Islamic section depicts the information about business banking, personal banking, and home purchasing financing, home construction financing. It also encompasses the information about shariah’s advisory committee. News and media section of website of bank of Maldives about press release, tender and actions, news center and notices.

Answer to c)

Nature of e business communication is the process of selling and buying the services or products over the internet that enables the financial institution such as bank to perform their business activities efficiently using the technology of Web. Bank of Maldives provides an ideal e commerce solution to small, large and medium enterprises. The payment gateway of bank helps the clients in making online card payments conveniently and safely. Commercial businesses are able to integrate their websites to the payment gateway of bank. Customers on other hand can add items to their online shopping cart and check out using their credit and debit cards. A number of electronic banking services that enables the clients and customers to manage their finances through easy platform on twenty-for seven basis. Bill payment gateway enables the clients to receive and make payments electronically. Such system helps authorize and capture card transactions in 3D secure environment that does not require separate terminal for transactions (Yamasak and Tokiwa 2014).

Task 2

The payment solutions of clients are managed and enhanced through e commerce and payment gateway. E commerce communication of bank of Maldives provides customers with various features. There are multiple authorization options and customers can transfer account balance, transfer money, make credit card payment and loan with just a click. Some of the additional features of e commerce communication is the quick pay option that enable the clients to access to BML accounts and making payment to third party.  Security measures of business transactions are enhanced through the one time password generated from token and sent to email and mobile phones of customers. BML provides their clients with mobile app by registering on to the internet banking. Mobile banking app is easy to use, convenient and secure app that help in managing baking anytime and anywhere. E business communication at the personal banking level comes with wide variety of features. It gives the facility of master card pre-paid and enables creation of individual profiles under customer login for personal and joint accounts.

Answer to a)

Building internet kiosks provides the public with better access to government services and information. Internet banking of BML provides the customer with the platform, which will help them in providing convenient and easy access to various services. Internet banking provides the customers with easy to access banks services anytime. Bank is able to supply the customers with various information about the transactions through internet. Information about fund transfer and payments are provided through customer access codes. New functionality will help the bank in satisfying value transactions. Customers are able to access to the services through the mobile banking (Choi 2014). All the systems of bank are routed through internet protocol and data travels across internet in packets.

Banking communication has become easy due to intricately linked worldwide computer network. It has point of sales network that helps in managing the networks across all the sectors. Offering the payment solutions and provides the customers with value added services that effectively helps in addressing the satisfaction and demand of customers. Such terminal provides the clients with variety of payment options making it a leading point of sale in service provider in Maldives. Banks transfer the information regarding the payment through internet. Internet services the basis for transferring the information to and from the clients. The payment gateway of BML allows the customer for making online payment. Online banking has become a part of business that includes payment and helps in transferring the information about bill payment (Woodside and LaPlaca 2014). Information’s are provided about maintaining the securities of the customer when they are doing online transactions. It informs people about the need of security maintenance and dealing with the payment of third parties. Through the internet, they are able to provide details about wide array of transactional. Commercial and electronic banking products. The development of innovative product needs to have the well-integrated approach to relationship management. Using the internet helps organization by suitably structuring the organization by taking into account risk profile and specific needs of customers (Turban 2016). Various segmentation of the products and the way products and services will enhance the business of corporate clients and individual customers are depicted through internet tools.  

Answer to b)

HTML stands for hypertext markup language and it is a setup of markup codes and symbol inserted in a file. Link elements in the section of HTML document for expressing relation to other files. A HTML page is a document tree that relates collection of elements that make up entire page. Language can be easily understood and modified by users. With the help of HTML, users can do the effective presentations and with the help of formatting tags. One of the most flexible way of designing the webpages along with the text is provided with the help of HTML language. Web pages can be added up with the link so that readers are assisted with the information for browsing the information of their interest. HTML documents can be displayed in any platforms such as Windows, Macintosh and Windows. Structure of web page is recognized by HTML and helps in the development of web application. Details about various elements are provided by HTML language (Chaffey 2015). There are certain web applications that have heavy scripts to perform functions and web workers features of html helps in separation background thread of processing and this particular feature does not affect the performance of webpage.

Canvas feature of html allows the web developer to render graphics to fly and there is no need for plug in for video. Application caches feature of html enables web pages to store more and more information locally on visitor of computers.

Working of this feature is more like cookies and when cookies are small and this new feature helps in storing larger files. The geolocation feature of html is best known for use of mobile networks.  Elements are the building blocks of html page, it helps in the construction of images, and other interactive forms rendered in the webpage. The language enables the web browser to interpret and compose text, images and material into audible and visual webpages. The default characteristics of the language are defined in the browser and the designer of web page can enhance such characteristics. Modern websites has certain new features and that is supported by language of html. Support of multimedia is the foremost feature of html language and they come with the feature of browser compatibility. Some of the browser that is supported by html includes Google chrome, Firefox and internet explorer.

Answer to c)

The basis of internet, intranet and extranet relies on same technologies of internet protocol. However, there is difference in terms of access levels they allow internal and external users of organization.

Difference between internet, intranet and extranet with reference to bank of Maldives are listed in the table below:

Internet	Intranet	Extranet
Internet is regarded as the muddled system of interrelated computer networks that make use of transmission-controlled protocol. BML carries a massive range of informational sources and data in the form of HTTP. It is a global system of interconnected network of computer.	Intranet is a system of computer network where the specific organizational system shares computing services, information and operational system. Using intranet, BML employees makes interactive communications through chatting, audio, groupware and video conferencing (Gerow et al.  2015). This network is private and specific to organization.	Extranet is a type of computer network with the help of which outside users of organization are able to access the intranet.  The business to business transaction of BML makes use of intranet and this system is used by stakeholders outside the organization. These networks make use of public platform to share the information with external stakeholders of company (Yamasaki and Tokiwa 2014).
Internet is independent and it has the network connection that is not dependent on any sub system. Banking makes use of online platform for providing services to customers (Barnes and Hunt 2013).	Intranet is reliable on internet. BML is able to create main points for collaboration system and internal communications and ensures team working in any organization.	Extranet is reliable of internet. It is regarded as the next stage after intranet. It has an opened environment compared to internet and intranet.
Internet is a centralized system and it is not derivate from any system. Internet allows the user to access all the available network resources.	Intranet enables the organization to access the information	Extranet is derivate from intranet.
No restriction on accessing the network resources using the internet. Security is dependent on user of device that is connected to network.	Intranet provides limited access to only members of Bank of Maldives. Firewall enforces the security of the intranet network.	In case of extranet, restriction is expanded by accessing the nonmembers of organization such as customers and suppliers to use resources of company. Enforcement of security is done by firewall that distinct internet and extranet.

Answer to a)

Bank of Maldives has a terminal of point of sale that enables eligible retailers to obtain loan that is specifically designed to meet the challenge of access to funds. Platform of internet helps BML in continuously evaluating the upsell opportunities so that they are able to focus on consumer driven programs. This helps in evaluation of propensity of consumers to open more products and services offered by organization. Most likely next purchase of consumers are evaluated by transactional and ownership of products. It enables them to offer right products to right customers though applying right channel (Da Xu  2014).

Internet helps organization such as BML in doing the segmentation of customers in sophisticated way by catering individual needs based on standard banking metrics. They can make use of real time and gain deeper customers insight for offering the cross channel marketing campaign that will help in strengthening relationship of customers. BML can build a 360-degree view of customers and share cross lob job data. This will help the financial institution in getting holistic view of demographics, needs and engagement of customers. Such information will help them in precisely targeting their services and products and acquire customers that are more profitable by selling right products (Turner 2014). Internet enables the bank to look upon the pricing and products based upon the respond to values that are brought about by the customers and customers views across the features, spectrum of rates and services. They are able to identify credit score reports and theft alerts that help in providing increased account sales because of bundled features and attractiveness. The platform of automatic customer care is attained by using internet as in the digital age; the demand of customers becomes more self service. Some of the features that can be perceived as providing better customer care include expanding self service of customers; events based decision making, management of disputes along with increasing effectiveness and lowering costs of operation (Zahir and Gharleghi 2015).

Banks are required to make compelling offers to customers in order to enhance their sales figures. Due to insight that the financial institution such as banks have, consumers are expecting them to be best when offering them financial services. This is so because they are increasingly become acquainted with the capability of company to micro targets. It is required by banks to build the segmentation program using internet that will help them in reflecting the needs of consumers that will help in driving communication. Banks can do the cross selling that is considered as highly effective tool for growing business and internet baking can help them in current or saving account of customers. By interfacing the corporate website through optimizing search engines and becoming mobile responsive, banks can help in driving the expectation of customers along with the initiatives of social media at various tough points that supports multiple channel for targeting prospects. Platform of internet would help bank of Maldives in targeting the target audience by recommending the products at proper time (Fleischmann et al.  2014).

Answer to b)

There are various business models used by banks that help in generating revenue from internet.

Subscription revenue model- Under this model, banks such as bank of Maldives can charge the users for subscribing of particular service. This can be done by enabling the bank website to combine free content with premium membership. Transactions done by the users do not form the basis of subscription fees. Content can be used by subscribers as many times as they want. With reference to BML, it can be said that bank offers payment services and securities can be offered to online retail customers.

Advertising revenue model- One of the classic principal among the revenue model across the sales is the generation of fees from advertisers in exchange of advertisement. In such model, steadily rising revenue is indicated by organization even if the representatives complain about earning less money using online advertising (Spieth et al. 2014). This model offers the organization with indirect source of revenue as it is based on contacts.

Transaction fee revenue model- The volume of executing transactions forms the basis of commission that is received by company. Transaction fees generate the revenue as the customers are required to pay fees for operating platform for particular fees. From the perspective of business, other parties make the offers and the amount of transaction fees can be calculated in percentage or fixed amount. BML can make use of this model to generate revenue by charging transaction fees for their various services that they offer on their online platform (Einav et al. 2014).

Affiliate revenue model- This model is based on principal of commission and affiliate program s regarded as online distribution solution. Banks can offer services to the customers though the link to their partnered websites and it is regarded as pay to performance model. The payment of commission is done only for actual success and affiliates are identified through codes.

Sales revenue model- This model helps customers by providing them benefits of saving time, convenience and generating fast information. Prices under this model are more competitive as compared to other model used by organization for generating their revenue.

Answer to c)

There have been consistent rise in using the internet services for selling the products and services by the organizations. It is quite possible that the platform of internet may not be used by companies for generating revenue as there are many uses of internet other than revenue generation. Organization does not make use of internet only for increasing their sales as most of them switch to internet service to make ease of convenience to customers. Internet is used by financial institution to make communication easier and to make their products and services popular. Internet advertising is not directly related to increasing the revenue of bank, however they are indirectly involves inn revenue generation. Customers and users are provided with relevant information about the products they are seeking that is not related to generation of revenue (Berndt 2013).

Banks are using internet for community building by focusing on adopting the personality of people they serve and customer service. It also helps in the development of new products as the online surveys and social communication tool for developing the financial life cycle of their customers so that it helps in creating long lasting relationship. Social tools act as research basis that helps in identification of the benefits and features to bank for achieving them competitive advantage. Internet provides services to customers and this helps in making them well aware of products and services (Turban et al. 2015).

Answer to a)

The ranking signals can be picked up by search engines from specific elements and they can be optimized by following simple rules. Webpage should make use of important and crucial keywords appropriately and frequently. Webpage needs to have plenty of written content in the format of html. For the purpose of navigational items, there should not be any use of Javascript, flash and objects of only image. Links on the website or webpage of bank needs to be leveraged and descriptive and the link test should make use of key words. Webpage needs to have cascading style of sheets for positioning and layout and minimizing use of tables. HTML code of BML bank webpage should be clutter free (Fleisher and Bensoussan 2015).

Some of another element that are used by search engine of banking websites is the popularity contest that is considered as one of the important determination of Google page rank. Valid mar up and sound structure, meta data are some of webpage elements of bank that the search engine will make use of.

Answer to b)

The webpage of any organizations need to have some elements that will help it in making attractive. Content of website must be both searchable and communicative. For the user of bank of Maldives, it is required to have the mentioned below elements in their website that will be attractive to them.  Users of website should be able to recognize what the organization such as banks wants to depicts so that the message are understood by them and they act accordingly. Search engine should be able to provide maximum exposure to users. For this bank of Maldives needs to update their sites regularly and make use of targeted keywords judiciously. It also needs to be ensuring that website is a spam free zone for users. Design is another element of website and designing it with content enable that copy is readable. Concerning this, it is required by organization to pay attention to white space and colors. There should be break up of content and minimization of noise that will further help in aiding comprehension. Another element that is considered pretty attractive to users is usability and a website is considered usable if it is able to meet the design objective of users (Kollmann et al. 2016). There can be integration of social media and sticky navigation that will help in cutting down of inactive surfing time.

Speed of site is another element that is considered attractive to users as there exists relationship between page abandonment and speed of site. Responsive web designs matters to users as it helps in providing them with biggest benefits. It helps in guarantying great user experience regardless of the device used by them and it assist them in eradicating the need for Google to index multiple version and crawling the same website.  There are certain key characteristic that must be exhibited by effective websites and it also comprise of functionality. Every component of website should work correctly and properly. If the components are poorly constructed, then it will leave the users disillusioned with the organization and frustrated. Site search, contact forms, hyperlinks, event registration along with the spectrum should work as expected (Sari and Onursal 2013). Facts and figures displayed on the websites should be double checked by bank. Financial institution such as BML would not want to be recognized for incorrect grammar, typos, misspellings and punctuation. Concerning usability there are certain elements that should be incorporated in the website if BML and this comprise of following:

• Fast loading pages
• Simplicity
• Layout should be consistent
• Link test should be destructive
• There should be browser compatibility and cross platform
• Logical and prominent navigation
• Resolution of screen

Answer to c)

The website of bank of Maldives depicts information that is relevant to their stakeholders. There is a white space and color used in web design is red that helps in segregation of information. The website of Bank of Maldives has various segregations and this comprise of personal, business, corporate, Islamic section and section of news and media. Website depicts the about the history, business strength, values, board of directors, executive management and privacy statement of organization (Kollmann and Hensellek 2016).

Answer to d)

Certain policies that website designers should comply with while designing the website for any organization are discussed. Website having elements of social networking should include a disclaimer that the content provided in the website is the responsibility of each person.  Organization has the right to remove content that is regarded as offensive. It is said from a legal pint of view that a well drafted terms of use policies serves to benefit organization such as BML.  The reason is attributable to the fact that it helps them in setting forth the conditions of use, language protecting and disclaimers as the operator of website. Operator if website should also adhere to privacy policy as they are held accountable to privacy laws (Nu Nu et al. 2014). If the organization wants to seek about the appropriate privacy policy for their website, they should consult an experienced corporate technology attorney. Some of the points that must be addressed while designing the websites are as follows:

Cookies- User consent are required by website whether the cookies can be left on computer of visitors. As per the data protection act 1988, user must be informed about the usage of their data and their compliance with the mentioned act.

Registered information- While designing the website of organization, the information about the concerned organization must be appropriately displayed (Lin 2013). Business principle place, name, registration number, registered office address also needs to be displayed.

Disability discrimination act 1995- It must be ensured by owner of website that the content are available to all the users and it the organization fails to comply with this act will lead them to unlawful disability discrimination.

Terms and conditions- As a part of consumer protection and electronic e commerce regulation, the website must have terms along with other policies that is considered relevant for particular organization.

Conclusion:

It can be depicted from the above analysis and discussion that bank of Maldives has been constantly innovating for keeping itself update with the advanced technology in the banking industry at the global level. The transactions of the banks are done at both individual level and corporate level. It makes use of internet platform for providing services to their customers at ease. The branching networking of bank is extensive while providing their clients with extensive online facilities. Report discuses about the various revenue generating model from the internet that will be useful to banks for application and increasing their revenue. 

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