Ensuring Risk-Free Digital-Banking in US-Economy: Application of Akim’s Model

A. Rahman, Saadi Islam
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引用次数: 1

Abstract

Humankind today lives with technology-driven lifestyles where services are carried-out in a competitive manner in economy country-wise such as the United States. In this progression, banking services are no different. It has resulted digital-banking in US-economy where few banks do not have physical branches. Under Bank Laws, Federal Deposit Insurance Corporation (FDIC) has been protecting bank deposits. However, e-banking is characterized by evolving many factors that are often unpredictable. It faces serious pitfalls being it riskiness in digital banking – bank-led and mobile-led digitals. These weaknesses cause abuses. Customers face perceived risks. It undermines growth-trends of e-banking. Dealing with the challenges in US-economy, application of Akim’s model-Voluntary Insurance (VI)—a proposed product in today’s e-banking, can be impetus for policy-design, which can boost number of users. Welfare Analyses have guided setting insurance-price ensuring customer’s efficiency-cost so that VI becomes appealing. It can present cash-less society sooner than delaying.
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确保美国经济中的无风险数字银行:Akim模型的应用
今天,人类生活在技术驱动的生活方式中,在经济方面,服务以竞争的方式进行,比如美国。在这一进程中,银行服务也不例外。这导致了美国经济中的数字银行,在那里很少有银行没有实体分行。根据银行法,联邦存款保险公司(FDIC)一直在保护银行存款。然而,电子银行的特点是发展了许多不可预测的因素。它在数字银行领域面临着严重的风险——银行主导和移动主导的数字银行。这些弱点导致滥用。客户面临感知到的风险。它破坏了电子银行的发展趋势。针对当前美国经济面临的挑战,将Akim提出的自愿保险(VI)模式应用于当前的电子银行,可以推动政策设计,从而增加用户数量。福利分析指导了保险价格的制定,保证了客户的效率成本,使VI更具吸引力。它可以更快地呈现无现金社会,而不是拖延。
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