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EBANK PHASE IV Suggestion Thread

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EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.01.13 03:35:00 - [1] Ok so firstly I just want to say we all love you Shadarle. Ok now that thats outta the way. We have a thread in our EBANK Board of Director's forum talking about PHASE IV. Not necessarily that we are going too it but what roadblocks we want to pass before we get there. So I ask you, our fellow EBANK customers, supporters, naysayers, and Ufl Alts. What do you want to see in EBANK? Think beyond the (omg high interest rates!11!). When you log into your EBANK account or troll an EBANK forum thread what is it you are yearning for the most? I would love to tell you what we already have on the horizon but well the guys would kill me (no pun intended). So give your suggestions and if they aren't already in the current EBANK Board thread we will bring them up there and determine viability etc. Anyway I would like to thank all our supporters, Shadarle, and our non-affiliated affiliate Treelox for their time. And no, you cant have my stuff because my stuff is already your stuff. Ok, moving along.
Khanar Liden East Khanid Trading	Posted - 2008.01.13 03:42:00 - [2] It'd be nice if we could get subdivisions within each account ex. savings-3%-10,000,000 T2 modules fund - 5,000,000 Exotic dancers fund - 5,000,000 etc. Recruitment Thread EKT Website
Shadarle	Posted - 2008.01.13 03:43:00 - [3] omg high interest rates!11! Tanking Setups Compared Stacking Penalty / Resists Explained
EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.01.13 03:47:00 - [4] Originally by: Khanar Liden It'd be nice if we could get subdivisions within each account ex. savings-3%-10,000,000 T2 modules fund - 5,000,000 Exotic dancers fund - 5,000,000 etc. Like this? I can't confirm nor deny if it is coming
EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.01.13 03:48:00 - [5] Originally by: Shadarle omg high interest rates!11! See this is why everyone should <3 Shadarle
Treelox Amarr Market Jihadist Revolutionary Party	Posted - 2008.01.13 03:52:00 - [6] In Phase IV, can we keep it down one "official" EBANK thread a month? Realising that isnt going to happen, how about a goal of only one a week? Also the current situation on the EBANK forums is sort of dismal, too many web-bots have signed up, causing you EBANK folks lots of work where you have to manually approve each and every forum application. Is it possible that by having an EBANK account that automatically generates you an EBANK forum account? Other than that, the only other things I would suggest I know that you guys are already working on, so no need to reiterate them here. --
EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.01.13 03:54:00 - [7] Good post. The forum issue is one we have been seriously discussing over the past week. We are looking to switch to vBulletin as long as it suits our needs, the guys are researching it to also look at allowing EBANK account login to match that of the forums. But yeh absolutely. The current forums are inadequate especially compared to the quality of the www.eve-bank.net site. It is one of our areas of focus pre-expansion. Thanks for the post.
Hexxx Minmatar	Posted - 2008.01.13 03:56:00 - [8] Originally by: Treelox In Phase IV, can we keep it down one "official" EBANK thread a month? Realising that isnt going to happen, how about a goal of only one a week? Also the current situation on the EBANK forums is sort of dismal, too many web-bots have signed up, causing you EBANK folks lots of work where you have to manually approve each and every forum application. Is it possible that by having an EBANK account that automatically generates you an EBANK forum account? Other than that, the only other things I would suggest I know that you guys are already working on, so no need to reiterate them here. The Forms are a very public sore point for EBANK. We have a thread called "OMGFIXTHE****FORUMS!111!" in our BoD forums. Consulting, IPO Template, and Stock/Bond definitions.
Treelox Amarr Market Jihadist Revolutionary Party	Posted - 2008.01.13 04:25:00 - [9] Originally by: Hexxx The Forms are a very public sore point for EBANK. We have a thread called "OMGFIXTHE****FORUMS!111!" in our BoD forums. :P Yeah I have been "teasing" ricdic about the forums since I joined them. Ok so its phpBB thats ok, but its the most gawd awful plain vanila version of it ever. /me runs off to tease ricdic about the banks forums some more --
Nummb Amarr	Posted - 2008.01.13 06:01:00 - [10] Incorporate a wallet export function into the EBANK framework - create ability to perform accounting functions for individuals and corportations - display number of shares owned, returns for each share, pie charts, graphs, ROI - create joint venture with Prof B. and others for a "futures/commodities" market (I want an out of game option to buy minerals, set contract deliveries, accept payments for contracts, pay contracts, buy ships, ammo, officer mods in a secure environment w/out the lag of Jita) - create templates for finance reporting that can be pulled via API key - create CD's of 3,6,9 and 12 months which pay 4.5,5.5,6.5 and 7.5% respectfully - create a rating agency guideline for stocks and bonds available on the market - create a master mutual fund offering by either buying 5% of every dividend paying public corp or by buying massive shares in the current mutual funds - invest in FuryBank to ensure a healthy competition in the market - give away isk - create new trade hub outside of Jita where all EBANK transactions can occur, i.e. tied back to that future/commodities market - increase cap to 1 Billion on savings account hmm, really sleepy, will think of more tomorrow. Originally by: Shadarle I hate happy things, that's why I kill puppy dogs and kittens for fun.
Ray McCormack hirr	Posted - 2008.01.13 06:32:00 - [11] Switch to SMF, from there it would be easy to integrate it into your current user database for EBank accounts. High-interest call-accounts (30, 60, 90, 120, etc days). I'm talking 7%-10%, possibly with availability limits. Would hopefully force you to stop bottoming out the loan market and accepting low-interest short-term loans when you have no need to (I have sums, want to see?). Ask me about Secured ISK Loans from the BMBE.
Treelox Amarr Market Jihadist Revolutionary Party	Posted - 2008.01.13 08:00:00 - [12] Originally by: Ray McCormack Would hopefully force you to stop bottoming out the loan market and accepting low-interest short-term loans when you have no need to (I have sums, want to see?). So your saying that the competition is "hurting" you? Maybe you need to lower your rates to be competitive? --
Ray McCormack hirr	Posted - 2008.01.13 08:23:00 - [13] Originally by: Treelox So your saying that the competition is "hurting" you? Maybe you need to lower your rates to be competitive? No, far from it. Our average loan amount is remaining constant, in line with the previous 12 months. Ask me about Secured ISK Loans from the BMBE.
Shadarle	Posted - 2008.01.13 08:41:00 - [14] Originally by: Ray McCormack Originally by: Treelox So your saying that the competition is "hurting" you? Maybe you need to lower your rates to be competitive? No, far from it. Our average loan amount is remaining constant, in line with the previous 12 months. Then why do you care if they are not charging as much as they can. If it isn't hurting you it shouldn't matter to you. Not that I'm suggesting that E-Bank does the smart thing always. I think E-Bank should prob charge more on a lot of the functions it provides, but that's their call. I just find it funny that you want them to charge more and then claim it has no impact on you. That doesn't pass the smell test. There is absolutely no way E-Bank will give out 7% accounts. They have people flooding them at the tiny rate they offer now. Why should they offer more if they don't have to. Until they allow unlimited deposits at 3% and can't get enough there is no reason for them to pay more. If they max out at 3% and want more they will have to offer 3.5 or 4%. When they max that it will go up again, etc. Eventually maybe they will get high enough that I'll deposit a massive chunk of money. But there is absolutely no reason for them to do it if people are willing to give them 100's of billions at 3%. Short of massive collusion I doubt we'll see enough people pull money out to force them to up their rate for 6-12 months, if even then. Tanking Setups Compared Stacking Penalty / Resists Explained
Malcolm Gerhardt Gallente Arctic Fox Industries and Materials	Posted - 2008.01.13 08:47:00 - [15] Perhaps a way to pay bills? a script where money from the users account will go to a wallet division ear marked for Accounts payable. I'm not sure if this is possible, but if it is, that would be helpful. Keep your Head low, Your Mind high and Your Mouth Shut
Ray McCormack hirr	Posted - 2008.01.13 08:59:00 - [16] Originally by: Shadarle I just find it funny that you want them to charge more and then claim it has no impact on you. That doesn't pass the smell test. It doesn't need to pass the smell test, the figures confirm it. We haven't had a drop in loan amounts. Needless to say, this is a Suggestion thread, those were my suggestions. I spoke with Ric for half an hour or so about it, so whatever else you may want to read into it, it served its purpose of opening up a dialogue between us. My interest is in seeing a broader range of services offered, but to provide for any increase in offerings, EBank need to have a sustainable top-end market. Which at the moment for them is loans. By diluting that market with low interest loans they're hurting their top-end, and limiting their ability to provide higher-interest call accounts. As to the sums, loaning out 40b at 12-14% is the same as loaning out 80b at 6-7%, the benefit is that you then have 40b left over idle, which has the potential to earn you even more. Ask me about Secured ISK Loans from the BMBE.
Emo Jelli	Posted - 2008.01.13 09:40:00 - [17] /me agrees with Ray regarding higher interest savings accounts and their benefit to EBANK
Kushion Anti Sweden Defense Force	Posted - 2008.01.13 09:59:00 - [18] A share system. Nothing fancy, just the basics. My main reason for bringing this up is a corp-based shareholder owned model. It doesn't work too well with the eve system, due to things like players quitting and not giving shares back, etc... So, in my dreams it looks something like this: shares can be issued/traded/sold via Ebank. These are shares that exist within ebank, not shares that can be actually bought/traded in eve. You would have a separate account tab, called "shares," along with the savings/checking accounts. Basically, a corp contacts Ebank to create shares. Once created, shares can be assigned to corp members by the CEO. The shares are placed in the ebank accounts of the respective corp members. When the CEO pays dividends, they're placed into the various ebank accounts and gain interest. Additionally, a system would be put into place to freeze payments to certain shares. i.e, if a player quits eve or his corp, the CEO can ensure that the dividends are not wasted. Pros: For one, a lot more players would sign up & invest money in ebank. If all the players in a corp need an account to access shares, it's likely that they might set up a savings account, too. Ebank could charge fees for the service. Would be just plain awesome. Cons: A lot of work for the programmers. *Probably hard to implement an actual working system. OK, so probably not very realistic, and no way will we see it by phase IV... but it would be great to see it someday. Puhllleeease?
LaVista Vista Conservative Shenanigans Party	Posted - 2008.01.13 10:03:00 - [19] Phase IV? Affiliate system... Thats all i want for christmas. This signature is brought to you by EBankÖ, free space for moderators to brag.
Kirjava Lothian Quay Industries Zzz	Posted - 2008.01.13 11:46:00 - [20] My 2 pence for phase 4, I made the suggestion a while back and this seems to be more constructive than "omfg higherintrestaccount11!11!eveventyeleven!!" The ability to tie in shares to an EBANK account, send shares to EBANK Ricdic. Maybe a script on the website saying to expect a number of shares within a window then link to the api key to show yes, 200 shares of xyz public corp received and dividends are linked to the wallet. That is what I would suggest Though perhaps some sort of partnership with TRUST would be good, seing as how they are one of the main suppliers via a browser as opposed to the open market. ~Nyron Originally by: Minerva Vulcan But poor victimized Ulf...I weep lavender scented tears for you.
LaVista Vista Conservative Shenanigans Party	Posted - 2008.01.13 11:49:00 - [21] Originally by: Kirjava My 2 pence for phase 4, I made the suggestion a while back and this seems to be more constructive than "omfg higherintrestaccount11!11!eveventyeleven!!" The ability to tie in shares to an EBANK account, send shares to EBANK Ricdic. Maybe a script on the website saying to expect a number of shares within a window then link to the api key to show yes, 200 shares of xyz public corp received and dividends are linked to the wallet. That is what I would suggest Though perhaps some sort of partnership with TRUST would be good, seing as how they are one of the main suppliers via a browser as opposed to the open market. Wont be possible, as its impossible to track shares. This signature is brought to you by EBankÖ, free space for moderators to brag.
Kirjava Lothian Quay Industries Zzz	Posted - 2008.01.13 12:10:00 - [22] Linkage Thats for a shares API request in the ideas and discussion subforum ~Nyron Originally by: Minerva Vulcan But poor victimized Ulf...I weep lavender scented tears for you.
LaVista Vista Conservative Shenanigans Party	Posted - 2008.01.13 12:16:00 - [23] Originally by: Kirjava Linkage Thats for a shares API request in the ideas and discussion subforum As it is now, not even the journal ingame tracks shares. Thus, the shares system needs to be overhauled in order for a such API to work. In which case, the journal API works for the purpose. So i really dont see it happening anytime soon. This signature is brought to you by EBankÖ, free space for moderators to brag.
Sikozu Prioris Suns Of Korhal deadspace society	Posted - 2008.01.13 13:09:00 - [24] I for one would like to see the cap on interest bearing accounts raised. 1 bill would be nice but 750mill would do Lol
Balogh Gallente Real-time EVE Stock Exchange	Posted - 2008.01.13 13:18:00 - [25] Originally by: LaVista Vista Originally by: Kirjava Linkage Thats for a shares API request in the ideas and discussion subforum As it is now, not even the journal ingame tracks shares. Thus, the shares system needs to be overhauled in order for a such API to work. In which case, the journal API works for the purpose. So i really dont see it happening anytime soon. /me points to sig _________ Real-time EVE Stock Exchange, Blog Feature request: Share transfer log (4 months and counting!)
Wieting Foyu Azteca Transportation Unlimited Gunboat Diplomacy	Posted - 2008.01.13 14:26:00 - [26] Whats EBANK... Never heard of it.. and search doesn't bring up ONE thing.
Balogh Gallente Real-time EVE Stock Exchange	Posted - 2008.01.13 14:44:00 - [27] Originally by: Wieting Foyu Whats EBANK... Never heard of it.. You have. Check your own post history. Quote: and search doesn't bring up ONE thing. Indeed. Search brings up more than one thing. _________ Real-time EVE Stock Exchange, Blog Feature request: Share transfer log (4 months and counting!)
Brisco Smiley Peppermint Bay Trading Company	Posted - 2008.01.13 17:22:00 - [28] Bond Administration For example... 1. PlayerA posts in the MD forum about how he needs monies for his awesome business plan and that EBANK will be administering the bond issue. He then logs in to his EBANK account and uses the "issue bond" feature, entering the following information: Bond Name: OMGshipz4mePEWPEW Description: gonna buy ravenz & pwn piratz Total Amount: 100,000,000 MD Thread: <linkie> Percent interest per week: 60 -- EBANK computes this at 7% per daily 2. PlayerB wishes for wealth and logs in to his EBANK account. He sees the open bond issue for 100M and decides to invest 50M in it. 50M is withdrawn from PlayerB's account and deposited in PlayerA's account. 3. PlayerC wishes for enhanced growth. He sees the open bond issue for 50M and decides to buy it all. 50M is withdrawn from PlayerC's account and deposited in PlayerA's account. 4. PlayerA wishes for violence, and withdraws 100M from is EBANK account. He buys a raven and runs some missions. 5. The next day, PlayerA deposits his winnings (10M - woot!) in EBANK. He sees that he owes 107M on his bond. He decides to pay 10M of it. 5M goes to PlayerB's account; 5M goes to PlayerC's account. PlayerA now owes 97M on the bond. PlayerB and PlayerC both hold 48.5M worth of the bond. 6. PlayerB no longer wishes for wealth. He logs in to EBANK and hits the "liquidate" button next to his bond holding. 7. PlayerC goes to check on his enhanced growth. He sees that OMGshipz4mePEWPEW has paid him 5M, and the there is now 48.5M worth of OMGshipz4mePEWPEW available for purchase!!! He reinvests his 5M. That 5M goes to PlayerB. Status of the bond issue follows: PlayerA - owes 97M PlayerB - holds 43.5M (liquidating) PlayerC - holds 53.5M 43.5M remains for sale (because PlayerB wants to liquidate). 8. The next day, PlayerA - owes 103.79M PlayerB - holds 46.545M (liquidating) PlayerC - holds 57.254M 46.545M remains for sale (because PlayerB wants to liquidate). 9. PlayerA, drunk with power, goes on a level 5 mission and blows up his shiny, new ship. He receives 70M in insurance money, which he decides to use to pay down his bond. 46.545 goes to PlayerB because he is liquidating. The remaining 23.455 goes to PlayerC. Status of the bond issue follows: PlayerA owes 33.79M PlayerB holds nothing PlayerC holds 33.79M none of the bond is for sale. 10. 3 weeks later, having received no further payments, PlayerC decides to liquidate. PlayerA owes 140M PlayerC holds 140M (liquidating) 140M of the bond is for sale. 11. PlayerB sees the open bond. He still wishes for wealth, so he checks its history. He notices that there have been no payments for 3 weeks, so he decides not to invest in it, glad that he liquidated when he did. 12. One year later, PlayerA owes 54.677 billion isk that he will never pay, PlayerC holds 54.677B isk of a worthless bond. EBANK no longer lists the bond as for sale because it has been stale for so long. fin. EBANK, of course, will have charged various fees along the way. It is a lot of code to write, but almost no additional work for the tellers.
Del Achura	Posted - 2008.01.13 17:23:00 - [29] What about having different types of accounts based on interest rates? You have to have so much in the account to receive an increased interest rate. Just an idea. I have several ideas, but I am an over the road truck driver so it is hard for me to offer my ideas to the management of EBANK. My wife works at a bank that where I have gotten alot of my ideas for EBANK.
Trilori Caldari GearBox Fleet Svcs	Posted - 2008.01.13 17:37:00 - [30] how about for other existing services to connect to EBank via some kind of API linkup? Like say a certain player has a loan with FuryBank and would like to pay down their loan from EBank and IF Furybank had a website then the data could be sent to Fury bank as a pending loan payment as a teller would have to transfer those funds. (this is just an example, not suggesting FuryBank get a website). Or lets say some players want to order goods via eve-mall which uses API, maybe somehow instead of having to deposit or pay the seller directly from your ingame wallet maybe you want to do it from EBank somehow the two could integrate that.

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