標題:
What is the meaning of E-Banking?
發問:
What is the meaning of E-Banking? ~Thank You ~
最佳解答:
e-banking = 網上銀行 即係透過銀行網頁辦理日常銀行櫃台及非櫃台服務 例如轉帳, 買賣基金股票, 檢查結餘等等 好處是可節省日常到銀行排隊辦理服務的時間 又可以得到自己想要的資訊 而不需等待服務職員的協助 On-line banking ( e_Banking ) can help you manage savings and checking accounts, apply for loans, or pay bills quickly and easily. To enjoy the full benefits of on-line banking, you should understand all that on-line banking can offer, consider some questions to ask before signing up, and know how to get help if you need it. * What is on-line banking? * How do I get started with on-line banking? * Can I shop for a new bank account on-line? * How quickly are my transactions processed? What is on-line banking? On-line banking is a service provided by many banks, thrifts, and credit unions that allows you to conduct banking transactions over the Internet using a personal computer, mobile telephone, or handheld computer (such as a "personal digital assistant"). You may be able to: * Access accounts round-the-clock, even on weekends * See balances on-line and find out whether checks or deposits have cleared * Transfer funds between accounts * Download information directly into personal finance software * Receive and pay bills on-line (without check writing, envelopes, or stamps) If you choose an "Internet-only" bank, you may no longer have access to a local "bricks-and-mortar" branch. Some Internet-only banks, however, offer higher interest rates and fewer fees than traditional banks. How do I get started with on-line banking? Frequently, all you need to do is to log on to your bank's Web site and follow the instructions. Before you begin to bank on-line, however, you might take advantage of the tips in the Secure Banking on the Internet section of this Web site. When choosing an on-line banking service, use the same good business sense you would in any transaction. Make sure that the on-line bank has a good reputation before you provide personal information or send money. Also, when purchasing banking products or services on-line, read agreements carefully before clicking your consent to them or signing the agreements electronically. The time is well spent since you may be legally bound by those agreements. It is also wise to save or print a copy of the agreement for future reference. 參考資料: http://www.ny.frb.org/education/ebanking/print.html
其他解答:
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Any banking process and business activity is carried out by electronic means that is called E-banking (electronic banking) The electronic means should include the use of: (1) ATM auto teller machines in banks on streets, in shopping malls and even in convenience stores (provide 24 hours most banknotes cashing service) (2) Fax machines at home or on streets (mostly service in office hours for non cash transactions) (3) Banking by the mobile phone or fixed line for money transfer and other non cash transactions (4) Internet which can be done any time and any where for money transfer and a wide variety of transactions E-banking is poised to the risk of low security as messages and information could be easily intercepted by others and leaked to others if being improper managed and encoded. E-banking can handle a lot of low value added bank processes which would be very boring to employees, and then the costly manpower can be shifted to serving customers with tailor made services for high return.
