Презентация на тему "Online-banking in Belarus"

Содержание

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  EI «VSTU» 2015 English

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  Online-banking in Belarus.

  Performedby:Shitenok Valeria.

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  You can waste two hours standing in a queue or you can click a mouse twice and solve any problem easily and quickly. Better think about how you will spend your extra free time.

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  Content:

  When did Online-banking appear? What is Online-banking? Online-banking: the arguments “for“. Online-banking: the arguments“against“. Requirements for running Online-Banking. Types of clients. What are the principles of Online-Banking? Other systems.

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  When?

  The first online-banking service in United States was introduced in October 1994. The service was developed by Stanford Federal Credit Union. The online-banking services are becoming more and more prevalent due to the well-developed systems. In Belarus Online-banking appeared in 2003. Today in Belarus Online-banking is called as an ideal financial service.

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  What is ?

  With Online-banking, you can:

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  Online-banking: the arguments “for“:

  1. The most obvious advantage of Online-banking - timesavings.The client does not need to get to the bank, stand in a queue, waste time on the way back - it can carry out banking transactions without leaving your home. Online-banking system usually checks for correctness of the details, which excludes customer error. Payment is done with a few keystrokes. 2. Online-banking services are available aroundtheclocksevendaysaweek, which allows the customer to carry out transactions at any time and instantly respond to, say, changes in exchange rates. Overall, online banking - is the most effective, to date, an instrument of control over the operations of any bank accounts. 3.Development of online-banking enables you toautomatesomeoperations. In such cases, the customer is no longer necessary to remember the payment of telephone bills and utility bills - the system is doing itself. 4. Online-banking system allows the bank toinformtheircustomers aboutthelatestinformationabout its new operations, having familiarized with which customers can immediately take advantage of new banking products and services. We saveYOUR TIME for more important things.

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  Online-banking: the arguments “against“.

  1. The Bank actually transfers the client functions of the teller.That is, if a customer comes to the Bank with the payment order, enter all the details and making the payment makes the Bank's employee. In systems of online-banking the client will have to master the user interface and to make payments on their own. 2. Not all bank customers are psychologically ready to give up direct contact with employees of the bank. Western public opinion surveys showed that customers of virtual banks often suffer from a lack of individual approach. But in case of any difficulties, problems or just questions, the customer should call the support, which does not always respond promptly. 3. Security of transactions with bank accounts. The risk of error when entering the payment, especially when it comes to utilities, mobile operators and others are small - usually their details already included in the system, which reduces the risk. Hack modern banking system - not the easiest event. Thus, cheaters can only rely on the human factor. The most common type of fraud today is phishing. It involves "extortion" in the client, the account number, pin, password, etc. responsibility

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  Types of clients.

  “Fat"client(additional software is installed). Bankers install on a client computer a special program that creates a user-friendly interface and provides remote access to the customer's bank account. As a rule, "fat" clients can connect to the credit institution as a modem or via the Internet. " Thin"clients(no software is installed). The system operates in the on-line via the Internet, access to their information the client receives the right on the bank's website. " Thin " clients are more mobile they are not tied to a particular PC and can actually gain access to a bank account anywhere in the world. It’s Interesting! Market research showed that Russian banks prefer to work with “thin” clients, and Belarusian banks are working mainly with "thick" clients.

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  The principles of operation of Internet banking.

  Three schemes of Internet banking:

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  Other systems.

  WebPay- the first and, for now, the only official system of accepting payments using plastic cards (MasterCard and Visa). It was created in 2009 with the support of "Priorbank". Through this bank performs all transactions with the help of your credit card.WebMoney Transfer - the largest in the world online electronic payment system (which allows you to exchange real money on the electronic and then pay these electronic money on Internet sites) made on the basis of electronic purses, began operations in November 1998. The owner and administrator of the system is the company WM Transfer Ltd.,. Software development and technical support are managed by CJSC "Computing Forces".

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  Acquiring.

  Acquiring - is the bank's activities, which includes payments to the enterprises of trade (service) on transactions made using the card, as well as cash withdrawal card holders who are not customers of the bank.Acquiring Internet - a service of payment for goods and services on the Internet using the bank plastic cards. Scheme Internet acquiring:

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  Thank you for attention!