Users of online banking can use various financial services provided by banks, such as account inquiry, transfer and online payment, through browsers or proprietary client software as long as they have a computer with Internet access. Compared with traditional channels (such as counters), the biggest feature of online banking is that it is convenient and fast, and there is no need to queue up. Account data query can be imported through some software, such as Quicken or Microsoft Money, and can also be used for electronic bill payment, transfer, stock trading, loan application, account integration and so on.
Online banking has a growing trend. Because online banking can not only save a lot of labor costs for banks, some banks also provide higher annual deposit interest rate or lower handling fees for customers who use online banking.
Online banking, also known as online banking and online banking, means that banks provide customers with traditional services such as account opening, inquiry, reconciliation, inter-bank transfer, credit, online securities, investment and wealth management through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home. It can be said that online banking is a virtual banking counter on the Internet.
Online banking is also called "3A Bank" because it is not limited by time and space, and can provide financial services to customers anytime, anywhere and in any way.
Characteristics of online banking
1: Fully realize paperless trading.
Most of the bills and documents used before were replaced by electronic checks, electronic bills of exchange and electronic receipts; The original paper money was replaced by electronic money, that is, electronic cash, electronic wallet and electronic credit card; The original paper document is sent by mail through the data communication network.
2. Convenient, fast, efficient and reliable service.
Through online banking, users can enjoy convenient, fast, efficient and reliable all-round services. You can use the online banking service whenever and wherever you need it.
3. Low operating cost.
Due to the adoption of virtual reality information processing technology in online banking, online banking can reduce the number of business points without reducing the original business volume.
4: Simple and easy to use.
Online e-mail communication is also very flexible and convenient, which is convenient for communication between customers and banks and within banks.
Compared with traditional banks, online banking has many advantages.
First, greatly reduce the operating costs of banks and effectively improve profitability.
Online banking mainly uses public network resources, without setting up physical branches or business outlets, reducing personnel costs and improving the efficiency of bank back-office systems.