DISCUSSION Think about a bank’s different delivery channels, or the different ways of banking. What are the relative advantages and disadvantages of these for the customers?

DIFFERENT DELIVERY CHANNELS OR WAYS OF BANKING Internet banking /telephone banking advantages: time flexibility disadvantages: some security issues about passwords and data 2) Cash points or ATMs (Automatic Teller Machine: cassa automatica per prelievo o versamento) advantages: convenient for withdrawing or depositing cash 3) Electronic payment advantages: avoids the need to use cash Branches advantages: offer personal contact disadvantages: opening hours, long queues

DIFFERENT DELIVERY CHANNELS OR WAYS OF BANKING Which types of customers are likely to prefer which delivery channels? People who are at work (electronic banking), older and retired (branches).

DIFFERENT DELIVERY CHANNELS OR WAYS OF BANKING What are the relative benefits and disadvantages of the different channels for the bank? Internet and telephone banking advantages: reductions in the costs of office space disadvantages: extra costs in IT staff