{"title":"确保美国经济中的无风险数字银行:Akim模型的应用","authors":"A. Rahman, Saadi Islam","doi":"10.22158/ibes.v4n2p102","DOIUrl":null,"url":null,"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.","PeriodicalId":343833,"journal":{"name":"International Business & Economics Studies","volume":"22 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":"{\"title\":\"Ensuring Risk-Free Digital-Banking in US-Economy: Application of Akim’s Model\",\"authors\":\"A. Rahman, Saadi Islam\",\"doi\":\"10.22158/ibes.v4n2p102\",\"DOIUrl\":null,\"url\":null,\"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.\",\"PeriodicalId\":343833,\"journal\":{\"name\":\"International Business & Economics Studies\",\"volume\":\"22 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-05-31\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"International Business & Economics Studies\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.22158/ibes.v4n2p102\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"International Business & Economics Studies","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.22158/ibes.v4n2p102","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
Ensuring Risk-Free Digital-Banking in US-Economy: Application of Akim’s Model
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.