Đang tải... (xem toàn văn)
Advantages of E – Banking Convenience E banking provides great convenience to customers for performing various financial transactions People can easily access their bank accounts anytime just sitting.
Advantages of E – Banking Convenience E-banking provides great convenience to customers for performing various financial transactions People can easily access their bank accounts anytime just sitting at their homes without visiting their bank Faster Service It provides speedy service as peoples no need to stand in queues for paying their bills or transferring funds Funds get transferred instantly from one account to another in less time using online payment systems Higher Interest Rate Online banking services provide higher interest rates to customers It has reduced the operational cost of banks which helps them in providing better interest rates on deposits of customers Quality Service Internet banking has improved the service quality to customers It is efficient, safe and easy to payments using online banking Customers are able to monitor all transactions related to their accounts using e-banking apps 24×7 Facility E-banking services are available to customers at all times that are 24 hours a day and on all days during a week Customers can have access to banking products and services from anywhere at any point of time Liquidity It provides better liquidity of funds to customers They can easily withdraw money from ATM machines at any time and from anywhere Discounts Another important advantage of using online banking services is that it helps customers in availing various discounts Peoples enjoy various discount schemes on retail outlets on usage on credit or debit cards Disadvantages of E-Banking Insecurity E-banking services face various insecurity issues resulting from hacking done by online hackers Customers may lose their credentials while doing payments and may cause huge financial loss Lack of Personal Contact between Customer and Banker Online banking faces a barrier of direct interaction between clients and banks Customers interacts with bank using their websites online Sometimes customers are not able to resolve their issues by connecting with the bank virtually Operational / Transaction Problems Many times banking servers are down thereby leading to transaction failure Customers face difficulty in doing payments online which causes inconvenience Operational/Transaction risk – a kind of risk emerged from the deceptions, errors which appear during the transaction processing, as well as system disruptions come out form the differences between the new and legacy based information system platform The transaction risk could also emerge from the bank inability to control the third party – provider of the service Operational/Transaction risk – a kind of risk emerged from the deceptions, errors which appear during the transaction processing, as well as system disruptions come out form the differences between the new and legacy based information system platform The transaction risk could also emerge from the bank inability to control the third party – provider of the service Credit risk A category of risk appeared from the inability of the consumer to fill out his/her financial obligations E-banking offers the opportunity to the costumers to apply for a credit from anywhere in the world, but this makes the complexity for the bank to recognize the credit ability of the applicants Recommendations The bank has only official portals/websites at: https://eximbank.com.vn/ https://onlinebanking.eximbank.com.vn/ https://edigi.eximbank.com.vn/ Official social networking sites: Eximbank does not require customers to provide personal information via Viber, Zalo, Facebook -messenger Therefore, customers need to delete the information and not click on the link when receiving information through various channels Sign out of the app at the end of a transaction or when not in use Regularly monitor bank transaction information and register for automatic receipt services to check transaction information, account balance In case of fraud or suspected fraud, to ensure your safety, you should take the following measures: Locking services on online channels/e-banking Change your password and call Eximbank immediately During working hours, go to Eximbank's transaction points Also, it is recommended to report to the police