Traditional Culture Encyclopedia - Traditional stories - Advantages of Internet banking
Advantages of Internet banking
Starting Internet II banking business mainly utilizes public **** network resources. There is no need to set up physical branches or business outlets, which reduces staffing and improves the efficiency of the bank's back-office system.
No time and space constraints, conducive to expanding the customer base
Internet banking business breaks the geographical and time constraints of traditional banking, with 3A characteristics, that is, the ability to provide customers with financial services at any time, anywhere, in any way, which is conducive to attracting and retaining high-quality customers, but also take the initiative to expand the customer base, to open up a new source of profit.
Beneficial to service innovation, can provide a variety of, personalized services
The sale of financial products such as insurance, securities and funds through the bank's business outlets is often subject to significant limitations, mainly due to the difficulty of providing customers with detailed, low-cost information and consulting services in the general business outlets.
Internet banking, also known as cyberbanking, online banking or e-banking, is a virtual counter set up by banks in the Internet, where banks utilize network technology to provide customers with traditional services such as account opening, account cancellation, inquiries, reconciliations, intra-bank transfers, inter-bank transfers, credits, online securities, and investment and wealth management through the Internet, enabling customers to safely and conveniently manage their demand and time deposits, checks, credit cards and personal investments without leaving home.
Advantages
Internet banking is characterized by the fact that customers, as long as they have an account number and a password, are able to access internet banking to process transactions through the internet all over the world. Compared with traditional banking, the advantages of internet banking are reflected in the following points:
(1) Greatly reduce the bank's operating costs, and effectively improve the bank's profitability. Open network I two banking business, the main use of public **** network resources. There is no need to set up physical branches or business outlets, reducing staff costs and improving the efficiency of the bank's back-office system.
(2) no time and space constraints, in favor of expanding the customer base. Internet banking breaks the geographical and time limitations of traditional banking with 3A characteristics, i.e., it can provide financial services for customers at any time (Anytime), any place (Anywhere), and in any way (Anyhow), which is conducive to attracting and retaining high-quality customers, and also can take the initiative to expand the customer base, and open up new sources of profit.
(3) It is conducive to service innovation, providing customers with a variety of personalized services. The sale of financial products such as insurance, securities and funds through bank outlets is often subject to great restrictions, mainly due to the difficulty of providing customers with detailed, low-cost information and consulting services at general outlets. The use of the Internet and the bank payment system, easy to meet the needs of customers to consult, purchase and trade a variety of financial products, customers in addition to banking services, but also can be very convenient to buy and sell stocks, bonds, etc., online banking can provide customers with more appropriate personalized financial services.
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