What's the difference between mobile banking and online banking?

Mobile banking began to rise after the rise of mobile Internet. Smart phones have become very popular, and it is obviously more convenient to handle business through mobile phones than computers. Therefore, the major banks have also complied with the development of the mobile Internet, and launched mobile banking that can be used on mobile phones. The function is actually similar to that of online banking, but it needs to be opened separately at the bank counter.

2. The conversion rate is different.

In order to promote e-banking products, commercial banks are inclined to transfer interest rates. The general counter rate is higher than the online banking rate, and the online banking rate is higher than the pocket banking rate. In particular, many banks are free to open and use their own banks, and even inter-bank transfers are free.

2 Different degrees of convenience.

Online banking can only be used indoors, because computers are needed. In addition, computers in public places are at risk of poisoning and trojans. So basically, logging in to online banking is usually at the user's home or work unit, which greatly limits the use of online banking.

Extended information mobile banking is an extension of online banking, and it is also a convenient financial service model 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.

Domestic banks providing mobile banking services include China Postal Savings Bank, China Industrial and Commercial Bank, China Merchants Bank, China Bank, China Construction Bank, Bank of Communications, Guangdong Development Bank, Shenzhen Development Bank, China CITIC Bank and China Agricultural Bank. Their services can be roughly divided into three categories:

(1) Inquire about payment business, including account inquiry, balance inquiry, account details, transfer, water and electricity charges collected by banks, telephone charges, etc.

(2) Shopping business refers to the customer's purchase of goods through the mobile banking platform after binding the mobile phone information with the banking system;

⑶ Financial management business, including stock trading and foreign exchange speculation.

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.

Baidu encyclopedia-mobile banking

Baidu encyclopedia-online banking