An Evaluation to the Three-Layer ECRM&CRM Performance inBanking Sector, in Order to Help Anti-Money Laundering Systems

Nowadays many businesses have realized the importance of customer relationship systems to help the potential of it to gain new customers, keep old customers , adding value to their products and services by a more effective communication. With further development of information technology, customer relationships is also very important in the field of financial since many of the finance and banking transactions done via internet and physically presence of customers are not required. This situation provides an opportunity for banks to use the implementation of efficient systems of customer relationship to attract customers and gain a competitive advantage over competitors. On the other way, having anti-fraud and anti-money laundering systems, is an important issue for banks and governments that cause normal and secure economic – financial cycle as well as a wide range of trusted clients (large or small, domestic or foreign, etc). For an optimal performance of these systems, we need to have some basic information that are properly collected and analyzed. In this article we have tried to evaluate a number of ECRM&CRM criteria in our banking system and further be investigate which of these criteria might be more effective for use in anti-fraud and anti-money laundering systems to be used later in these systems.