What is the difference between telephone banking and mobile banking?

1. The characteristics of the two are different:

1. Characteristics of telephone banking: simple operation, automatic management, no manual intervention required; high security, with multi-level banking system User verification ensures the security of customers' bank information; real-time query is possible to achieve 24-hour bank service; bank internal and external lines can be configured arbitrarily; the fax interface can be configured; forced dialing can be implemented without waiting for the voice prompt to end; the line interface should comply with the information industry Ministry of network access standards.

2. Characteristics of mobile banking: First of all, mobile banking has a huge potential user base; secondly, mobile banking must be confirmed by double passwords of SIM card and account before it can be operated, so it has good security. In addition, mobile banking has better real-time performance and the turnaround time is almost negligible, while WAP needs to be online all the time to perform the same business, which will also depend on many uncertain factors such as network congestion and signal strength.

2. The overviews of the two are different:

1. Overview of telephone banking: Telephone banking is a high-tech that has become increasingly popular in foreign countries in recent years. It is an important step in realizing the modernization of bank operations and The basis of management, it closely connects users with banks through telephones, a modern communication tool, so that users do not have to go to the bank. No matter when and where they are, they can get other services provided by telephone banking by dialing the phone number of telephone banking. Services (current transaction inquiries, application technology, interest rate inquiries, etc.).

2. Overview of mobile banking: Mobile banking can also be called mobile banking, which is the abbreviation for using mobile communication networks and terminals to handle related banking services.

As a new service that combines electronic currency and mobile communications, mobile banking not only allows people to handle a variety of financial services at any time and anywhere, but also greatly enriches the connotation of banking services. , enabling banks to provide customers with traditional and innovative services in a convenient, efficient and safer way.

3. The services of the two are different:

1. Telephone banking services: customer account balance inquiry; account transaction details and historical account files; large cash withdrawal notice; bank deposit Loan interest rate inquiry; bank message; bank notice; other various designated inquiry services.

2. Mobile banking services: Mobile banking is not telephone banking. Telephone banking is a voice-based banking service, while mobile banking is an SMS-based banking service. All businesses conducted through telephone banking can be realized through mobile banking, and mobile banking can also complete secondary transactions that cannot be achieved through telephone banking.

For example, banks can pay telephone, water, electricity and other bills on behalf of users, but they generally require user confirmation before transfer. Since mobile banking uses short messages, users can receive messages from the bank anytime they turn on their phones, allowing them to confirm transfers at any time and place.

Baidu Encyclopedia - Mobile Banking

Baidu Encyclopedia - Telephone Banking