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Hamidi et al., 2013. Personalized Security Approaches in E-Banking Employing Flask Architecture over Cloud Environment. The 4th International Conference on Emerging Ubiquitous Systems and Pervasive Networks (EUSPN-2013).


The banks have also benefited from an improvement of customer relationship which has led to negligible cases of customers closing their accounts out of disappointment. This is as a result of such technology as Customer relationship Management system This is a system which allows the management of these banks to review their performance and their service to their clients due to use of such interactive system.

The clients lock in their complements, complains and suggestions on banking matters. They can also advice on policies that they think should be improved or introduced to make the services and the bank generally improve. The system provides a broad approach on how the bank management and staff can improve on their services and meet customer interests.


The confidence with customers have embraced mobile banking is a big improvement and a boost to the banks. It could be very difficult for this banks to move on if the customers became hesitant to e mm brace this technology. Some few customers interviewed however still little confidence has in the ICT developments in the bank.

continued assessment of those who have embraced mobile banking will ultimately make them change their minds and follow suit.


Unlike before, the search for an increased data processing and protection abilities has been improved by both banks. This will therefore mean that the chances of data being lost are rare. The internet and other technological advancements have made it possible for the collection and retention of this data to be improved. Even boost online banking therefore w ill more with this kind of assurance by these two banks. Though the initial investments on equipment that are used to boost data are high, their importance cannot be underestimated. The banks require management to recover these expenses from the profits resulting from more business opportunities and transactions.

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