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Introduction to online banking:
Online banking, also known as online banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, inter-bank transfer, credit, online securities, investment and wealth management, so that customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home.
The characteristic of online banking is that as long as customers have their own account number and password, they can access online banking all over the world to handle transactions through the Internet. Compared with traditional banking services, the advantages of online banking are as follows:
(1) greatly reduces the operating costs of banks and effectively improves their profitability. The second line of Internet I mainly uses public network resources. There is no need to set up physical branches or business outlets, which reduces the personnel cost and improves the efficiency of the bank back-office system.
(2) There is no limitation of time and space, which is conducive to expanding the customer base. Online banking has broken the geographical and time constraints of traditional banking business. Online banking has 3A characteristics, that is, it can provide financial services to customers at any time (at any time), anywhere (in any case) and in any way (in any case), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.
(3) It is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.
(4) Using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, buying and trading various financial products. In addition to handling banking business, online banking can also easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services.