Volume 3

Cover page


Internet Banking of Risk Management

Mahdi Shabani
PHD Student of Software Engineering
Department of Computer Engineering, Science and Research Branch, Islamic Azad University, Tehran, Iran, PO BOX: 14515-775
Email: m.shabani@srbiau.ac.ir


Mojtaba Mali
Department of Management, East Azarbaijan Science and Research branch, Islamic Azad University, Tabriz, Iran


Abstract: Financial institutions should have a technology risk management process to enable them to identify, measure, monitor, and control their technology risk exposure. Examiners should refer to OCC[1] Bulletin 98-3, “Technology Risk Management” for additional guidance on this topic. Risk management of new technologies has three essential elements:
  • The planning process for the use of the technology.
  • Implementation of the technology.
  • The means to measure and monitor risk.
The OCC’s objective is to determine whether a bank is operating its Internet banking business in a safe and sound manner. The OCC expects banks to use a rigorous analytic process to identify, measure, monitor, and control risk. Examiners will determine whether the level of risk is consistent with the bank’s overall risk tolerance and is within the bank’s ability to manage and control.
This research is meant to answer and study the following questions in regard to exceptional cases and for different situations, financial management , rules and regulations, , and some of problems and special cases:
Internet Banking Risks:
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Price Risk
  • Foreign Exchange Risk
  • Transaction Risk
  • Compliance Risk
  • Strategic Risk
  • Reputation Risk
The writer of this article is trying to look attentively and clarified the dimensions of selected subject by use of ˝descriptive – analytic˝ research method.


Keywords:  Risk Management, Internet Banking, measure, monitor, control

[1]– Office Comptroller of the Currency-U.S. Department of the Treasury (Ensuring a Safe and Sound Federal Banking System for All Americans-www.occ.treas.gov)


Reform of banking interest rates by increasing commissions for banking services

Mohammad Javad Mohseni1, Amid Khatibi Bardsiri2

1Department of Computer Engineering, Islamic Azad University, Sirjan, Iran.

Email: it6644@gmail.com

2Department of Computer Engineering, Islamic Azad University, Sirjan, Iran.


Abstract: Due to the fact that benchmark rates on loans for banks to provide the elderly is a profitable bank interest rates to address the right way to correct this illogical principles that the growth of capital investment investors and reduce the elderly keep borrowers and people can safely borrower to get a loan that would boost the industry, increase employment and reduce unemployment in the society.

Keywords: Interest, profits, investment.

Full text


Review the challenges of network content analysis in the cloud computing environment banks

Mariyeh Bazaei

Department of Computer Engineering, Islamic Azad University, Kerman branch, Kerman, Iran.
Email: bazaee@yahoo.com


Abstract : Cloud phenomenon is rapidly becoming an important Internet service computing. Cloud computing, provides a sea of computing resources that users can access it via the Internet. The main principle of cloud computing is changing the computing of the local computer network. It causes the banks to use it without massive investment in purchase, implementation and maintenance of its resource. Accordingly, it offer the ability that cloud computing has become a strategic approach. One of the main challenges in cloud computing network banks is the issue of Content Delivery Network (CDN), Content Delivery Network is a large network of servers according to the user’s geographical location, the nearest server assigns to it. This server is very effective, so deceleration, and CDN bandwidth on the website, is the most fundamental challenge in the topology. Given the importance of this issue, this paper examines some of the problems and solutions are discussed in the network cloud banks.

Keywords: cloud computing, banks, challenges, network content analysis, technology


Software Development Effort Estimation Based on Significant Productivity Factors: in the modern banking

Mozhde Sabbagh Nezhad1, Fezze Ranjbar Homghavandi2

1 Department of Computer Engineering, Kerman Branch, Islamic Azad University, Kerman, Iran
E-mail: mozhdeh.sabagh@yahoo.com
2 Department of Computer Engineering, Kerman Branch, Islamic Azad University, Kerman, Iran


Abstract: The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. Any software programmer written to undertake these tasks is only as good as its author, and will quickly become dated. Banks are likely to be able to sustain a competitive advantage in an e-cash world because it would be more costly for individuals to replicate the banks’ global risk and information pooling role. Accurate effort and cost estimation of software applications continues to be a critical issue for software project managers in modern banking

Keywords: Effort Estimation, modern banking, E-banking, Service Oriented Architecture


Challenges of electronic banking in Iran

Fatemeh Ahoojoosh

Young Researchers and elites Club, South Sirjan Branch, Islamic Azad University, Sirjan, Iran.

Email: fatemeh.ahoojoosh@gmail.com


The recent evolvement in technology in the banking industry is enormous. Electronic banking has improved banking in the areas of customer service delivery and quicker and effective data capturing. At least it has reduced some hardship in accessing information. Banking has left manual operation of the past but its innovations and service operatives have recorded enormous failures in quality services and security of products. Government should improve her economy as this system of banking will not survive in a weak economy. In this paper, the basic concepts and discuss the history of electronic banking and electronic banking benefits and obstacles to it, and then challenge arises.



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