Sound lending procedures in retail financial institutions involve identifying high‐risk applicants, modifying loan conditions such as security requirements, and monitoring repayments post‐loan approval. For managers of credit unions, this procedure is complicated by the need to achieve...

As banks throughout the world have improved their Internet strategies in order to take advantage of Internet banking and its benefits, Australian financial institutions aim their Internet banking strategies mainly at the personal home banking segment, while ignoring the small business segment....