IT progress has spoiled humanity - without the use of information and communication technologies it is difficult to imagine the work of organizations and the solution of everyday tasks of an ordinary person. For example, he wants to receive money conveniently and spend it conveniently. And preferably using a gadget. It is difficult to say what predetermined the emergence of Internet banking: the need of people or the proposals of IT specialists, but the system found its consumer.
Remote Banking
A remote banking system is a set of services that an institution is ready to provide remotely, but at a previously received order from a client. Remote banking is provided through the World Wide Web.
The expansion of financial services through computers and smartphones is associated with the development of information technology. To make their products more accessible, convenient and in demand, institutions are increasingly using electronic channels in the areas of Internet or telephone banking.
The Internet banking system has become widespread due to the convenience and range of services.
What it is?
What is internet banking? This information technology is developing at a high speed. See what the phone has become. IT has infiltrated the service industry: whether it is government systems or commercial. The banking sector, as one of the most “populated” by consumers and interested in attracting customers, was no exception and actively began to introduce information and communication technologies.
Internet banking is a system created for the convenience of consumers of financial products through the use of the Internet. The client can control costs and make financial transactions around the clock.
To use banking, you need a computer or smartphone and, of course, the Internet.
Set of services
Classic Internet banking services include the following services:
- to pay for mobile communications;
- on payment of housing and communal services;
- repayment of a loan of any bank, sometimes with a commission;
- on the transfer of payments, including to customers of a third-party bank - you will also need to pay a commission;
- to pay for online purchases;
- on payment of fines, duties, state and non-state services;
- on budget control;
- "piggy bank";
- “Auto payment” - automatic transfer of a certain amount set by the user to repay the loan, pay utility bills, etc. (this service is easily connected and implemented in the future without the participation of the user; convenient for paying off regular payments);
- loan - leave a request, and in some banks and execute remotely;
- contribution;
- depersonalized metal account.
Expectation and Needs
The correlation of offers of banking services and customer needs is established. Four blocks were identified:
- control;
- freedom;
- comfort;
- help.
For each of the blocks, the degree of activity of using Internet banking services was revealed. Most of all, users value the ability to control accounts. 100% activity when receiving the balance and the function of viewing the transaction history.
97% use the Mobile Payment service, 87% pay utility bills through banking and use payment templates.
For 80% of users, Internet banking is a useful platform for transferring money to another institution. The “Deposit Opening” function is used by 53%. 43% make scheduled payments through the online bank.
20% use the ability to set payment limits and apply for a reissue of a bank card.
Consumer credit through banking is issued at a rate of 10%. 3% use the system to accumulate funds, that is, as a piggy bank, without accruing interest and bonuses.
While services that help determine the budget of certain categories of transactions, as well as cost analytics, remain unclaimed.
Benefits of Internet Banking
The system is as convenient as possible. By logging into your "Personal Account", you can manage accounts, replenish and spend, transfer and defer - perform operations anywhere in the world with Internet access, regardless of the location of the recipient of funds.
Techniques for performing operations are simple and straightforward, as is the interface.
Internet banking saves time, allows you to monitor accounts around the clock and quickly respond to dubious factors.
Internet banking is a fast and reliable system. Money reaches the addressee quickly, despite the fact that Internet payments, like transfers, are made remotely.
Internet banking security
Using the system, the user can quickly block accounts in case of suspected fraudulent activities.
Any action committed in Internet banking, starting with the information on entering the "Personal Account", is issued by SMS message or email. The system informs promptly and, as a rule, does not give failures.
Already at the stage of connecting to Internet banking, the work of the security system begins. The client receives an identifier and password. As a rule, especially at the initial entrance to the "My Account", the bank gives a security password. It comes in an SMS message - Internet banking is tied to the user's phone number. The identifier performs the functions of protecting and accounting the client in the system.
However, trusting her without looking back is not worth it. Usually, warning the user about the likelihood of hacking the "Personal Account", the bank provides a memo, the following of which reduces the danger.
Ways to Protect Against Scammers
Internet banking for individuals is fraught with some dangers. Banking technologies are being improved, fraudsters are also inventing advanced online theft schemes. To minimize this probability, Internet banking users should use the following tips:
- Regularly update anti-virus programs on all devices connected to Internet banking: computer, tablet or smartphone.
- Update your operating system regularly. This is easy to do on your own, without the help of a programmer, simply by downloading an update package from the Internet.
- Keep track of the programs you install, especially over the Internet. If the licensed version is not available or it is not on the developers website, then it is better to refuse the installation. Be attentive to the flash drives that you connect to your computer - they can “drop” malware onto your computer.
- Do not open links promising sensational news or rewards.
- Keep away from unauthorized pin code. Do not enter it if you are asked by the Internet banking system. Banks will never make such a request, and fraudsters who create backup sites convincingly formulate it.
- Learn to recognize duplicate sites. Payment Internet resources have a security certificate: https: // protocol, highlighted in green, as well as a “lock” icon.
- If you lose your phone with a SIM card or SIM card, attach a new number to the "My Account" as soon as possible and change your account information.
- Change your Internet banking passwords more often.
- Enter the password using the on-screen keyboard - it can be found through the search bar by the "Start" button.
How to connect Internet banking
Almost all banks provide online services today, and to use it, you need to become their client.
To open Internet banking you will need:
- Open an account at the institution - just a card account.
- Conclude an agreement in the office on the activation of the Internet banking service.
- Using the username and password, enter the “Personal Account” on the bank’s website.
What does Alfa Bank offer?
Alfa-Bank Internet banking is one of the advanced systems that provides Internet payments in the financial sector.
In the set of services - informing about the status of credit accounts for mortgages, credit cards or car loans. Online transfers between your accounts, to an account in another bank or to a deposit. When making a currency transfer, funds are automatically converted. The opportunity is especially in demand by customers who make online purchases in stores abroad.
Payments - a set of the most popular areas: mobile communications, utilities, television and so on. Often the payment is saved in the form of templates containing an account number and an amount, like a receipt. The amount in the template payment can be easily changed directly during the transaction. There are also auto payments - automatic transfer of a certain amount to the "piggy bank", automatic recharge of a mobile phone account and so on. Such payment is made automatically, on a certain day. You can change the data or cancel the transfer of funds at any time, in addition, for some period before making an automatic payment, the system sends an alert.
Alfa-Bank Internet banking makes it possible to open a deposit, with an increased interest rate, as well as get a loan. Through the system, you can order the issuance of a new card or reissue of the old bank plastic, as well as receive a virtual card convenient and completely safe for paying for goods on the Internet. It is possible to transfer between the bank and the main payment systems Yandex.Money, WebMoney, QIWI Wallet, RBK Money and others. A service has been developed for the purchase of an insurance policy and control over home accounting.
Further development
Internet banking is a development. As a channel for remote control of Internet payments, the system needs to be improved: in expanding the range of services, a clearer focus on individuals and legal entities, ensuring the highest level of security and solving technical difficulties of digital signature.
Today, online banking is aimed at working in a complex of payment and online trading systems, and also makes trading offers, for example.
There is a demand for corporate Internet banking services, but financial institutions need to remove the issues of safe work with financial information and protect the channel of its transmission.