Banking desmaterialization using cloud computing

Joana Silva 1 * , Cláudio Teixeira 1, Joaquim Sousa Pinto 1

Journal of Information Systems Engineering & Management, Volume 1, Issue 2, pp. 123-140.

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The technological challenges have led the bank sector to actively bet on technological innovation strategy including the provision of applications for mobile devices. However, the development of mobile tools has had a greater expression for customers than for commercial managers of banks. This paper aims to present an architecture that supports the desmaterialization of transactions at the counters of bank branches. The main goal is to foster the relationship between banks and their customers, giving flexibility to managers to conduct banking transactions from any mobile device, anywhere. This architecture is a results of a dissertation carried out under a master's degree in Information Systems.


bank system, desmaterialization, architecture, cloud, hybrid, mobile


Silva, J., Teixeira, C., and Pinto, J. S. (2016). Banking desmaterialization using cloud computing. Journal of Information Systems Engineering & Management, 1(2), pp. 123-140.

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