Remote banking services - use and development

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2018-03-27 17:47:13

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The Main goal of every Bank is to maximize profits. For optimal results it is necessary to attract and keep more customers. In turn, the client among the plurality of banks chooses the most comfortable option. One of the important criteria of choice is the modern approach. Remote maintenance is included in the list of services 80% of Russian banks. In this article, we will consider what constitutes the system of remote banking services and what is the direction of its development.

The Concept of e-banking

Bank remote service — a technology designed specifically for remote work with the Bank. RBS provides a comprehensive customer service in the Bank without personal presence.remote banking service

The RBS System has long been used in Europe and the United States. In Russia a similar system has integrated quite recently. However, each year there has been a steady development of the RBS system. Every year an increasing number of customers actively using virtual banking.

The Essence of banking remote services is that a large number of banking transactions - payment of accounts, receipt of statements, preparation of applications, registration of payment documents, etc. - can be carried out in correspondence mode without personal presence.

Remote Banking services include:

  • The System “banking”.

  • The System “client”.

  • The System “Phone-customer”.

  • The Service ATM banking and use of banking equipment services.

System "Bank-client" or "Thick client"

The Principle of operation of the system is in remote access client via a computer program. For work of this type you must apply to the Bank for process management and installation. The remote banking system also has a second name - the "Fat client". It's integrated from abroad (remote banking, home banking). Specialized program retains personal customer data and history of transactions with the Bank. On an individual channel when the client program connects to the Bank. For continuous operation the client requires constant communication via modem or Internet.the remote banking system

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The Largest number of users of the system “banking” observed among legal entities. Usability is that information, displays the current status of accounts and the implementation of many operations is in remote mode.

Well-functioning system of cooperation under the name of “Customer-Bank” is used by many large enterprises. The banking program provides for the creation of payment documents and a complete tracking of all movements of funds in the accounts.

System “customer”, or "Thin client"

At the moment Internet services remote banking services are used by more than 50% of the population. Most Russian banks already using this system. Almost every Bank has its own website where you can gather all the information.remote banking services

The System “customer”, or "Thin-client" (Internet banking, Web-banking), does not involve installing additional software. To work in the system enough to have access to the Internet. In the personal account, each client has the ability to view data on your account, get statements, pay and submit application for receipt of certain banking services.

For convenience, created a mobile version with the help of which the user can perform the same operations from your smartphone.

System “Phone-customer”

The simplest form, which involves remote banking service, is the provision and processing of information by phone. “Phone-customer” includes phone-banking and SMS-banking.Sberbank online banking

The Banking services you must have a call center at which to contact the representative of the Bank.

Diagram of the processing and transmission of information has several of options:

  • The client communicates with the operator;

  • The client receives information using voice menus;

  • The client receives the information with the help of SMS-banking;

The List of services provided to the client is limited to: on the phone, you can only receive information of interest and use several types of applications. However, further operations on cash withdrawal or transfer of funds require identification and personal presence.

Services ATM-banking and use of devices banking service

One of the most developed networks of remote banking in Russia is considered “ATM banking” and the use of devices of banking services - these include the network of terminals and ATMs. The level of the most common and recognizable companies on the number of branches and ATMs Sberbank is a remote banking service which is one of the most developed.use remotebanking services

Development of e-banking in Russia

The CIS RBS is several notches higher than in Russia. At the moment, the development of remote banking services is in a somewhat frozen state. The problem is that neither the banking system nor the public is not ready for so significant changes. For a few precarious financial situation, excess cash investments would be unwise. A large number of settlements do not have adequate access to the Internet, not to mention the level of computer use by the older generation.development of remote banking services

Innovations Such as video conferencing with a Bank employee or a full transition to Internet banking, we will be able to see in the near future is that in Moscow or large regional centres. At the moment, the use of systems of remote banking service in Russia aimed at improving security and achieving a high level of service.

Disadvantages of e-banking

As in other States, the Russian banking remote service has one major drawback: security. Hacking account and stealing funds from the personal account of any user for an experienced programmer to be too easy money. Despite the fact that the banks are constantly improving their system, yet there are scammers who can crack any security system.disadvantages of remote banking service

The bottom line is that the Bank invests sufficient funds in order to protect your data from intruders, but at the same time, customer funds are endangered. This is due to the fact that the protection system channels customer to invest a minimum of means, just because these costs are borne by the client.


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BE: https://tostpost.com/be/f-nansy/15464-dystancyynae-banka-skae-abslugo-vanne---vykarystanne-razv-cce.html

DE: https://tostpost.com/de/finanzen/15474-banking-fernwartung---nutzung-und-entwicklung.html

ES: https://tostpost.com/es/finanzas/15484-la-banca-el-servicio-a-distancia-el-uso-y-el-desarrollo-de.html

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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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