Bank card, what does it mean to open online banking, mobile banking, telephone banking, SMS banking?

Online banking, also known as Internet banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with account opening, account cancellation, inquiry, and reconciliation through the Internet. Accounts, intra-bank transfers, inter-bank transfers, credit, online securities, investment and financial management and other traditional services H enable customers to safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home.

Mobile Banking Service, also known as mobile banking, is the abbreviation for using mobile communication networks and terminals to handle related banking services.

Telephone banking is a high-tech technology that has become increasingly popular in foreign countries in recent years. It is the basis for realizing the modern operation and management of banks. It closely connects users with banks through telephones, a modern communication tool, allowing users to There is no need to go to the bank. You can get other services provided by telephone banking by dialing the telephone number of telephone banking anytime and anywhere.

SMS banking refers to the electronic banking business in which customers edit and send text messages in a specific format to the bank's SMS service number. The bank handles relevant business for the customer in accordance with the customer's instructions and notifies the customer of the transaction results by SMS.

Extended information:

The characteristic of online banking is that as long as customers have an account number and password, they can enter online banking to process transactions through the Internet from anywhere in the world. Compared with traditional banking services, The advantages of online banking are reflected in the following points:

(1) Greatly reduce bank operating costs and effectively improve bank profitability. To start online banking business, we mainly use 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 backend system.

(2) There is no time and space limit, which is conducive to expanding the customer base. Online banking business breaks the geographical and time restrictions of traditional banking business and has 3A characteristics, that is, it can provide customers with financial services at any time (Anytime), any place (Anywhere), and in any way (Anyhow), which is conducive to attracting And retain high-quality customers, and can actively expand the customer base and open up new sources of profits.

(3) It is conducive to service innovation and provides customers with various types of personalized services. The sale of financial products such as insurance, securities and funds through bank business outlets is often greatly restricted, mainly because it is difficult for general business outlets to provide customers with detailed, low-cost information consulting services.

Using the Internet and bank payment systems, it is easy to meet customers' needs for consulting, purchasing and trading a variety of financial products. In addition to handling banking services, customers can also easily buy and sell stocks, bonds, etc. online. Banks can provide customers with more appropriate personalized financial services.

Baidu Encyclopedia-Online Banking

Baidu Encyclopedia-Mobile Banking

Baidu Encyclopedia-Telephone Banking

Baidu Encyclopedia-SMS Banking

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