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

First, the operation mode is different.

1. Telephone banking is operated by calling.

2. Mobile banking is operated through mobile app.

Second, the password composition is different.

1, telephone banking consists of 6-digit passwords.

2. Mobile banking passwords can be arbitrarily combined except for special characters.

Third, the function is different.

1, telephone banking can only query and other functions.

2, mobile banking can transfer money, online shopping and other fund trading functions.

Third, the characteristics are different.

1, telephone banking

Simple operation, automatic management and 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.

2. Mobile banking

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-telephone banking

Baidu encyclopedia-mobile banking