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Tài khoản ngân hàng trực tuyến MoneyBookers - Online Banking
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Online Banking Services For Customers
What Can Online Banking Do For You?
Manage all your Banking and Financial
needs. Real Time. Any Time.
Online Banking puts you in control! You have the ability to
manage your business or personalfinances and cash flow
through functionalities that include reviewing account
activity, pay bills, and transfer funds in one place. With
easy to use navigation and financial tools and calculators,
managing your online banking finances is even easier than
before.
ACCESS:
Managing your online banking finances doesn??t have to be a
challenge. You can manage your cash flow easily with the
immediacy your business or personal bank account demands.
Online Banking allows you to access your accounts from any
Internet-enabled computer, 24 hours a day, 7 days a week.
You can bank according to your schedule. Real Time. Any
Time. In order to get customers, many banks offer free
access to Online Banking and Telephone Banking.
Until fairly recently, use of the Internet by banks has been
to provide static information about the institution and
their products. Their Internet Web sites were primarily a
collection of product brochures and press releases. However,
a number of both large and small Canadian banks have
recently begun experimenting with using the Internet as an
alternative delivery channel to provide full-fledged banking
services.
Most Canadian banks have been offering electronic banking
services accessible through personal computers by customers
for some time. These typically require customers to use
proprietary software and/or use a private communication
network. However, access to banking services through the
Internet provides a number of advantages and a number of
Canadian financial institutions have recently launched
Internet banking services. Examples include the Royal
Bank??s Royal Direct, Canada Trust??s EasyWeb and Bank of
Montreal??s mbanx.
Unlike PC banking, Internet banking does not require
proprietary software or access to a private network. Any
customer who has arranged their own Internet access
facilities can participate. One effect of the trend towards
Internet banking is to level the playing field so that even
smaller financial institutions can offer the type of
sophisticated services customers would normally expect only
from a large bank.
Internet banking isn??t just restricted to some of the
country??s largest financial institutions. Some of the more
regional players, such as credit unions, are also making
their mark. In some cases, the smaller size of these
institutions has allowed them to out-manoeuvre some of their
larger competitors. Citizens Bank of Canada, a subsidiary of
Vancouver City Savings Credit Union, set up shop on the
Internet last year. More recently, HEPCOE Credit Union, the
eighth largest credit union in Canada, launched its Internet
banking service on April 30, 1997.
Unlike some of its competitors, the HEPCOE on-line banking
facility provides a number of functional improvements. One
nice touch is a relationship summary screen which shows a
customer??s current balances for various accounts, term
deposits, RRSPs, loans and mortgages. A click on any of
these balances provides access to a transaction history that
can span several years (compared to some on-line banking
facilities where access is only available to transactions
made in the current month). Coming soon are on-line
applications for various banking products.
Offering services through the Internet can be especially
appealing to financial institutions whose "members" are not
located near branches. In HEPCOE??s case, over 15,000 of
their 65,000 members do not live near one of HEPCOE??s 18
branches.
In addition to providing existing customers with access to
banking services, Web sites operated by financial
institutions may also be used to solicit new customers. For
instance, Bank of Montreal??s Web site invites visitors to
apply on-line for one of the Bank??s credit card products.
In some cases, a decision can be provided within minutes.
Some US banks have gone one step further and allow new
customers to even open a chequing or savings account
on-line.
Some of these new on-line banks are attempting to portray
themselves as "virtual banks". A virtual bank is one where
customers are serviced exclusively through electronic
channels other than tradition brick and mortar branches.
Others see the Internet as simply one more tool to provide
greater convenience to their customers.
An American study conducted last year by Booz-Allen projects
that by the year 2000, 16 million US households will be
using Internet banking. While these numbers do not appear to
be significant as compared to the total population, each
Internet user is projected to be 50-250% more profitable
than the average banking customer. It is expected that these
Internet customers will be some of the banking system??s
most profitable customers representing close to 30% of all
retail banking profits. The study projects that by 1999,
1,500 banks will have Internet Web sites and at least 500 of
these banks will be offering full-fledged Internet banking
services.
The impact of a growing selection of Internet banking
alternatives will likely be to turn such service into a
commodity. All banks on the Internet will have the same
geography, hours of operation and, presumably, equivalent
service levels. Some will attempt to compete on price.
Others will attempt to compete by developing and offering
new and different products. For instance, mbanx offers a
number of mortgage options not offered by Bank of Montreal
through its traditional branch distribution network.
Increased competition and the ability to update materials
almost instantaneously will likely mean shorter new product
development cycles and possibly an increased level of
innovation. Legal advisors will be under increasing pressure
to provide quicker turn around time.
Financial institutions proposing to provide services through
the Internet are having to confront a number of legal
issues. These include the problems of authentication,
electronic formation of contracts and issues related to the
creation and protection of content being provided on a
financial institution??s Web site.
Regulators are also taking an interest as foreign financial
institutions are increasingly able to solicit domestic
residents. As well, the potential that electronic cash will
be increasingly adopted as a medium of exchange for
transactions conducted across the Internet is raising
concerns that existing forms of regulation may not be
adequate.
MANAGE YOUR BUSINESS AND PERSONAL FINANCES:
Controlling cash flow has never been this
easy. With Online Banking, you have immediate access to all
of your accounts:
Transfer funds between accounts, including foreign exchange
between Canadian and US dollar accounts
Pay bills including telephone, utility, and property taxes
Online Tax Filing Service allows you to file taxes and make
GST payments and payroll source deduction remittances 24
hours a day, 7 days a week
View monthly account billing statement at a glance including
volume activity and fees Order checks and deposit slips
The information from:
http://www.credit-card-services.org
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