E-Business
This stage is distinguished by the increase in products and functions of banks with product differentiation according to needs and customer relationships between banks. The Internet and science and technology have increased the connection and sharing of information between banks, partners, customers, management agencies, etc.
Electronic Banking (E-Bank)
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According to you, which electronic service distribution channel has the most development potential in Vietnam today: ATM, Pos, Internet Banking, Mobile Banking?
This is the ideal model of an online bank in the e-commerce platform, a complete innovation in business model and management style. Banks will take advantage of the power of the global internet to provide financial solutions to customers with the best quality.
2.3 Overview of Internet Banking
2.3.1 Concept of Internet Banking
IB is a banking service provided to customers via the internet to query account information, transfer money, pay bills, open online accounts, register for cards, apply for online loans... on the bank's website at any internet access point and at any time without having to go to the bank's counter.
With just a computer or smart device that can connect to the internet and an access code provided by the bank, customers can safely transact with the bank anytime, anywhere.
2.3.2 Features and benefits of Internet Banking
IB products and services include products and services for corporate and individual customers. Basically, products and services are implemented through IB such as checking balance of payment deposit accounts and card deposits, checking detailed information of
related transactions, payment transfers. There are also other utilities such as: card top-up, foreign currency conversion, printing statements of accounts over time.
2.3.2.1 Check payment deposit account balance
This service allows customers to view the balance details of accounts connected to IB. Customers simply double-click on the account number they want to view. Customers will not only know the current balance on the account but also the available balance. The available balance is the actual amount in the account and does not include any uncompensated deposits or any value that has not been accounted for against the balance.
2.3.2.2 Look up detailed information of related transactions
The number of transactions that can be viewed depends on each bank's system, and can range from the 10 most recent transactions over the past few months. This information is updated every minute, so customers, especially corporate customers, can effectively monitor their financial situation. Furthermore, customers can also transfer this information to the software to design their own reports.
2.3.2.3 Payment transfer
Customers can transfer money between accounts within the same or different banking systems or transfer money from an account to a recipient using an ID card. Transfer money to entities that cooperate with the bank (finance, insurance, securities, telecommunications companies, etc.) to pay interest, loan principal, securities investment, insurance premiums, service fees or other payment contents. Depending on each bank, there will be different transfer limits and fees for corporate or individual customers.
2.3.3 Internet Banking Levels
To date, IB products are divided into 3 levels: