First, the nature is different.
1. Direct banking: refers to the "pure Internet platform" built by banks without offline outlets.
2. Online banking: it is a virtual counter set up by banks on the Internet.
Second, the role is different.
1. Direct Bank: Integrate its own foreign exchange business of deposits and loans and invest in wealth management products on this platform. Compared with personal online banking, direct selling banks have broken through the restrictions of their own accounts and can be open to users of other banks.
2. Online banking: banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management through the Internet.
Third, the characteristics are different.
1. Direct banking: it is not based on physical outlets and physical counters, with fewer institutions, better personnel and lower costs, and provides more convenient and preferential services than traditional banks.
2. Online banking: significantly reduce the operating costs of banks and effectively improve profitability; There is no limitation of time and space, which is conducive to expanding the customer base; It is conducive to service innovation and provides customers with diversified and personalized services.
Baidu encyclopedia-direct selling bank
Baidu encyclopedia-online banking