Is mobile banking online banking?

It's different. Mobile banking assists manual transactions by telephone, and online banking is completely self-help.

1, mobile banking phone. Assist manual transaction. Or help each other to complete the transaction, and only transfer transactions can be made. Online banking is a self-service transaction, and online banking can complete more transactions, such as recharging, payment, transfer and so on.

2. Mobile banking is operated by telephone. As long as the function is enabled, you can transfer money by phone and check the balance. Online banking can be used for online shopping, online transfer, and recharge phone bills, which is richer and more powerful than mobile banking.

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Mobile banking is an extension of online banking, and it is also a convenient financial service mode for bank users after online banking and telephone banking. It is called personal "electronic wallet". On the one hand, it has extended the service time and expanded the scope of banking services; on the other hand, it has invisibly increased many banking outlets, which has truly realized 24-hour all-weather service and greatly expanded the intermediary business of banks.

Generally speaking, compared with traditional banks and online banks, the characteristics of mobile banking payment are:

(1) is more convenient. It can be said that mobile banking is powerful and a simplified version of online banking, but it is far more convenient than online banking, because it is convenient to carry at any time and to make small payments.

(2) More extensive. Provide WAP website payment service to realize one-point access and multiple payments.

(3) More potential. Immature business model and user habits have led to the development of mobile banking and payment, which has not yet reached many people. Com "era. The success of online banking is not only that it is a means of e-banking reform, but also that it caters to the development requirements of e-commerce, and mobile banking has great potential in this respect.

Matters needing attention in the use of online banking:

1) Avoid using search engines.

Get the website address of online banking from regular bank outlets and remember that when logging in to online banking, try to avoid using third-party channels such as search engines. Because some fake online banking websites are likely to be hidden in the search results, once clicked, they are likely to fall into the trap unconsciously.

The best way is to register the correct online banking website in the browser's favorites, and all future visits will be entered by clicking the link in the favorites to ensure that you will not visit the wrong website.

2) Set mixed password and double password.

The password setting of online banking should avoid being related to personal data. It is recommended to use a mixed password of numbers and letters to improve the difficulty of password cracking and keep it properly. Trading passwords should be avoided as much as possible.

3) Check the transaction records regularly.

Regularly check the business records such as transfer and payment handled by online banking, or customize the account change notice through SMS to keep abreast of account changes.

4) Keep the digital certificate properly.

Avoid using online banking on public computers to prevent confidential information such as digital certificates from falling into the hands of others.