Banking m tabbatarwa - da amfani da kuma ci gaban

Babban burin kowane banki ne ga kara riba. Domin mafi kyau duka sakamakon, shi wajibi ne don jawo hankalin da ci gaba da more abokan ciniki. Bi da bi, da abokin ciniki tsakanin dukan sa na bankuna zabi mafi dadi zaɓi. Daya daga cikin muhimman sharudda ga zabi wani zamani m. M tabbatarwa ne kunshe a cikin sabis jerin 80% na Rasha bankuna. Wannan talifin zai dubi abin da m banki tsarin da kuma abin da yake shugabanci na ta ci gaba.

A ra'ayi na RBS

Banking m tabbatarwa - mai fasahar raya musamman ga m aiki tare da banki. DBS unshi da m abokin ciniki sabis a banki ba tare da sirri gaban.

DBS tsarin ya dade da aka yi amfani da Turai da kuma Amurka. A Rasha, da irin wannan tsarin ya hadedde quite kwanan nan. Duk da haka, a kowace shekara akwai wani barga ci gaban da RBS. A kowace shekara an kara yawan abokan ciniki rayayye ta amfani da mai rumfa banki.

Jigon da banki m sabis kunshi a gaskiyar cewa babban adadin banki - biya takardar kudi, samun lissafi kalamai, rajista aikace-aikace, rajista na biyan bashin da takardun, da dai sauransu - za a iya za'ayi a rubutu yanayin, ba tare da sirri gaban.

Banking Nesa Services sun hada da:

• "Bank-abokin ciniki".

• "Internet-Client".

• Tsarin "Phone-abokin ciniki".

• ATM-da sabis na bankin da kuma yin amfani da banki na'urorin.

A tsarin na "banki-abokin ciniki", ko "mai abokin ciniki"

A tsarin aiki a wani m abokin ciniki damar via kwamfuta shirin. Domin irin wannan aiki ka bukatar ka tuntube da banki domin fasaha jagoranci da kuma shigar da shirin. m banki tsarin ila yau yana da biyu sunan - "m abokin ciniki". An hadedde daga kasashen waje (m banki, gida banki). Musamman shirin rike sirri abokin ciniki bayanai da kuma tarihin ma'amaloli da banki. A wani mutum mahada wani abokin ciniki shirin haɗu da banki. Domin ci gaba da aiki, abokin ciniki ake bukata don kula da m connection via wani modem ko landline Internet.

The most yawan masu amfani da "Bank-Client" tsarin da aka gani, doka abokai. Ta sauƙi aiki ne cewa samu na bayanai, nuna halin yanzu matsayi na asusun da kuma aiwatar da yawa ayyukan yi mugun.

Well-aiki tsarin juna hadin kai da ake kira "Client-Bank" da ake amfani da dama manyan kamfanonin. Banking shirin samar da ga halittar biyan takardun da cikakken lura da dukan ƙungiyoyi na kudi a cikin asusun.

"Internet-Client" tsarin ko "bakin ciki abokin ciniki"

A lokacin, da online sabis na nesa da sabis na bankin amfani da fiye da 50% na al'ummar jihar. Mafi yawa daga cikin Rasha bankuna suna riga ta amfani da wannan tsarin. Kusan kowace banki na da website inda za ka iya koyi dukan zama dole bayani.

A tsarin na "Internet-Client" ko "Thin Client" (Internet banki, Web-banki), ba ya unsa da shigarwa na ƙarin software. Don aiki da tsarin isa a yi samun dama zuwa Intanit. A keɓaɓɓen account, kowane abokin ciniki yana da ikon duba data for sabõda su, sama kalamai, biya domin sabis, kazalika da kashe aikace-aikace ga waɗanda ko wasu da sabis na bankin.

Domin saukaka, ƙirƙirar mobile version, tare da abin da mai amfani zai iya yin wannan aiki daga smartphone.

"Phone-abokin ciniki" tsarin

A sauki irin, wanda ya shafi Bankin m sabis - An samar da da kuma sarrafa bayanai a kan wayar. "Phone-abokin ciniki" ya hada da wayar-banki da kuma SMS-banki.

Da sabis na bankin presupposes da wanzuwar wani kira cibiyar, inda za ka iya tuntube da wani banki wakilin.

Students aiki da kuma watsa yana da zažužžuka dayawa:

• abokin ciniki Magana da afareta.

• abokin ciniki na'am da bayanai ta amfani da murya menu.

• abokin ciniki na'am da bayanai via SMS-banki.

Jerin ayyukan bayar da abokin ciniki, da aka iyakance: a kan wayar za ka iya kawai sami bayanai na ban sha'awa da kuma gabatar da dama iri-aikace. Duk da haka, kara ayyukan da tsabar kudi ko canja wurin kudi bukatar ganewa da kuma na sirri gaban.

ATM-da sabis na bankin da kuma yin amfani da kayan aiki banki

Daya daga cikin mafi cigaban "ATM-banki" RBS haɗin kai a Rasha da kuma dauke da amfani da banki na'urorin - Wadannan sun hada da wani cibiyar sadarwa na tashoshi da kuma ATMs. A matakin na fi na kowa, kuma recognizable cibiyoyin da yawan rassan da ATMs, Sberbank riqe, m banki sabis wanda aka dauke daya daga cikin mafi cigaban.

Development of RBS a Rasha

A kasashe na da kusa da kasashen waje RBS ne 'yan matakai fi a Rasha. A lokacin, ci gaban m da sabis na bankin ne 'yan daskararre. Matsalar ita ce, ba banki tsarin kuma mutane ba su shirya irin wannan gagarumin canji. Ga 'yan precarious kudi halin da ake ciki na matsanancin monetary zuba jari ne m. A manyan yawan ƙauyuka rasa samun dama zuwa Intanit, ba a ma maganar da matakin na kwamfuta amfani da mazan tsara.

Innovations kamar video daga banki jami'i ko cikakken miƙa mulki ga online banki, za mu gani a nan gaba, sai dai a Moscow da kuma manyan yankuna cibiyoyin. A lokacin, da yin amfani da e-banki tsarin a Rasha ne da nufin inganta harkokin tsaro na tsarin da kuma cimma wata babbar matakin na sabis.

disadvantages RBS

Kamar yadda a wasu kasashe, da Rasha banki m sabis yana daya babbar drawback: wani tsaro tsarin. Kame jirgin da kuma sata na kudi daga cikin sirri account na wani amfani ga wani gogaggen shirye-shiryen da aka dauke ma sauki riba. Duk da cewa bankuna suna kullum inganta su tsarin, duk da haka akwai marasa cewa zai iya hack a cikin wani tsaro tsarin.

A kasa line ne cewa banki ne da zuba jari da isasshen kudi don kare su data daga intruders, amma a lokaci guda, abokan ciniki 'kudaden ne a karkashin harin. Wannan shi ne saboda cewa da kariya na abokin ciniki ta tsarin na tashoshi da su zuba jari a mafi žarancin wajen, domin shi ne wadannan halin kaka da kuma fada a kan kafadu na abokin ciniki.