What are the characteristics of online banking compared with traditional banking?

Comparison between online banking and traditional banking.

1. Challenge the traditional banking concept

First of all, online banking will change the traditional banking concept. Secondly, online banking will change the traditional banking marketing methods and business strategies.

2. Online banking will greatly reduce the cost of banking services.

(1) Reduce the cost of banking services.

(2) Reduce the development and maintenance costs of bank software and hardware.

(3) reduce customer costs

3. Economies of scale can be realized in a wider range.

4. Online banking has a wider customer base.

Online banking will change the traditional competitive pattern of banks.

The motive force for the rapid development of online banking.

1, technological development is the first driving force.

2. The need to expand business

3. Pursuing profit is the fundamental reason.

According to relevant data, there are more than150,000 households using online banking services in the United States, and the online banking business accounts for 10% of the total banking business. By 2005, this proportion will be close to 50%. However, the business volume of online banking in China is less than 1% of the total banking business. In this respect, the development prospect of online banking in China is extremely broad. We have reason to believe that with the enhancement of national financial awareness and the promulgation of national laws and regulations to regulate online behavior, online banking will have a better environment, and "online banking" that can provide "3A services" (anytime, anywhere, in any way) will certainly appear.