Traditional Culture Encyclopedia - Traditional culture - 1. What are the advantages and disadvantages of online banking? What is the workflow?
1. What are the advantages and disadvantages of online banking? What is the workflow?
Generally speaking, the business types of online banking mainly include basic business, online investment, online shopping, personal finance, corporate banking and other financial services.
1, basic online banking business
The basic online banking services provided by commercial banks include online account balance inquiry, transaction record, data download, transfer and online payment.
2. Online investment
Due to the developed financial services market, there are many kinds of financial products that can be invested. Foreign online banking services include stocks, options, mutual fund investment and CDs trading.
3. Online shopping
The online shopping assistance service established by online banking of commercial banks greatly facilitates customers' online shopping, provides customers with high-quality financial services or related information services on the same service variety, and strengthens the competitive advantage of commercial banks in the traditional competitive field.
4. Personal financial assistant
Personal financial assistant is a service that foreign online banks focus on developing. Major banks transfer financial assistants in traditional banking business to the Internet, and provide customers with various financial solutions, suggestions or financial service technical assistance through the Internet, thus greatly expanding the service scope of commercial banks and reducing the related service costs.
5. Corporate banking
Corporate banking service is an important part of online banking service. Its services are more diverse and complex than individual customers, and the requirements for related technologies are higher. Therefore, providing online banking services for enterprises is one of the signs of the strength of commercial banks. Generally, small and medium-sized online banks or pure online banks can only provide some or even no such services.
6. Other financial services
In addition to banking services, online banking of large commercial banks also provides customers with insurance, mortgage, mortgage and other financial service products by themselves or in conjunction with other financial service websites, expanding the scope of online banking services.
Tips: The above contents are for reference only.
Response time: 2021-11-18. Please refer to the latest business changes announced by Ping An Bank in official website.
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