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

First of all, they have different characteristics:

1, telephone banking features: simple operation, automatic management, no manual intervention; High security, the system is equipped with multi-level user authentication to ensure the security of customer bank information; It can be queried in real time to realize 24-hour banking service; Arbitrarily configure the internal and external lines of the bank; Configurable fax interface; Forced dialing can be realized without waiting for the prompt tone to end; The interface of the line shall conform to the network access standard of the Ministry of Information Industry.

2. Characteristics of mobile banking: First, mobile banking has a huge potential user base; Secondly, mobile banking can only be operated after the SIM card and account double passwords are confirmed at the same time, so it is safe. In addition, mobile banking has good real-time performance, and the turn-back time is almost negligible, while WAP needs always online for the same service, which will also depend on many uncertain factors such as network congestion and signal strength.

Second, the overview of the two is different:

1. Overview of telephone banking: Telephone banking is a rising high-tech abroad in recent years. It is the basis of realizing the modern management of banks. It closely connects users with banks through telephone, a modern communication tool, so that users can obtain other services provided by telephone banking (transaction inquiry, application technology, interest rate inquiry, etc.). ) instead of going to the bank, whenever and wherever.

2. Overview of mobile banking: Mobile banking, also known as mobile banking, is the abbreviation for using mobile communication networks and terminals to handle related banking business.

As a brand-new service combining electronic money and mobile communication, mobile banking not only enables people to handle all kinds of financial services at any time and any place, but also greatly enriches the connotation of banking services, enabling banks to provide traditional and innovative services to customers in a convenient, efficient and safe way.

Third, these two services are different:

1. Telephone banking service: customer account balance inquiry; Account transaction details and historical account files; Notice of large cash withdrawal; Bank deposit and loan interest rate inquiry; Bank news; Bank notice; Other designated query services.

2. Mobile banking service: Mobile banking is not telephone banking. Telephone banking is a banking service based on voice, and mobile banking is a banking service based on SMS. All the business conducted by telephone banking can be realized through mobile banking, and mobile banking can also complete the second transaction that telephone banking can't realize.

For example, banks can pay telephone, water, electricity and other fees on behalf of users, but generally they can only transfer money after the user confirms it. Because mobile banking uses SMS, users can receive the information sent by the bank at any time when they turn on their mobile phones, so they can confirm the transfer anytime and anywhere.

Baidu encyclopedia-mobile banking

Baidu encyclopedia-telephone banking