The main objective of each bank's activitiesis to maximize profits. To achieve the optimal result, it is necessary to attract and interest as many customers as possible. In turn, the client among the many banks selects the most comfortable option. One of the important selection criteria is the modern approach. Remote maintenance is included in the list of services provided by 80% of Russian banks. In this article we will consider what the system of remote banking services is and what is the direction of its development.
The concept of RBS
Banking remote service is a technology developed specifically for remote work with a bank. RBS involves comprehensive customer service in a bank without a personal presence.
The system of RBS has long been used in the territoryEurope and the USA. In Russia, such a system has been integrated quite recently. However, annually there is a stable development of the RB system. Every year more and more customers actively use virtual banking.
Суть банковского дистанционного обслуживания is that a large number of banking operations - paying bills, receiving statements, filing applications, registering payment documents, etc. - can be carried out in absentia without personal presence.
Banking remote service includes:
The "Bank-Client" system.
The "Internet-client" system.
The "Phone-Client" system.
ATM-banking service and use of banking services.
The "Bank-Client" system, or "Thick Client"
Принцип работы системы заключается в удаленном access the client through a computer program. For this type of work, you need to contact the bank for technology guidance and installation of the program. The remote banking system also has a second name - "Thick Client". It integrated from abroad (remote banking, home banking). The specialized program stores personal data of the client and the history of transactions with the bank. Through an individual communication channel, the client program connects to the banking channel. For continuous operation, the customer needs constant communication through a modem or fixed Internet.
Наибольшее количество пользователей системы "Bank-client" is observed among legal entities. Convenience of work consists that reception of the information, display of a current status of the account and performance of many operations is made in a remote mode.
A well-established system of mutual cooperation under thethe name "Client-Bank" is used by many large enterprises. The banking program provides for the creation of payment documents, as well as full-fledged tracking of all fund movements in the accounts.
System "Internet-client", or "Thin client"
At the moment, Internet-based remotemore than 50% of the country's population use banking services. Most of the Russian banks are already using this system. Almost every bank has its own website, where you can get all the information you need.
System "Internet-client", or "Thin client"(Internet banking, Web-banking), does not imply the installation of additional software. To work in the system it is enough to have access to the Internet. In the personal account, each client has the opportunity to view data on his account, receive statements, pay for services, and also apply for banking services.
For the convenience of work, mobile versions have been created, through which the user can conduct the same operations from the smartphone.
Telephone Client System
The simplest kind, which involves banking remote service, is the provision and processing of information over the phone. "Phone-client" includes phone-banking and SMS-banking.
Banking service requires a call center where you can contact a bank representative.
The information processing and transmission scheme has several options:
the client communicates with the operator;
the client receives information using the voice menu;
the client receives information using SMS banking;
The list of services provided to the client is limited to:by phone you can only get the information of interest and enter several types of applications. However, further cashing or transfer operations require identification and personal attendance.
ATM-banking service and use of banking devices
One of the most developed DBS networks in RussiaIt is considered “ATM-banking” and the use of banking services - these include a network of terminals and ATMs. The level of the most common and recognizable institution in terms of the number of branches and ATMs is occupied by Sberbank, in which remote banking services are considered one of the most developed.
Development of RBS in Russia
In neighboring countries, RBS is located onseveral steps higher than in Russia. At the moment, the development of remote banking services is in a somewhat frozen state. The problem is that neither the banking system, nor the population are not ready for such significant changes. For a somewhat volatile financial situation, excessive cash investments will be unwise. A large number of localities do not have normal access to the Internet, not to mention the level of computer use by the older generation.
Innovations like employee videoBank or a complete transition to Internet banking, we will be able to see in the near future except in Moscow or major regional centers. Currently, the use of remote banking services in Russia is aimed at improving the security system and achieving a higher level of service.
Disadvantages of RBS
As in other states, the RussianBanking remote service has one major flaw: it is a security system. Hacking an account and stealing funds from a personal account of any user for an experienced programmer is considered too easy profit. Despite the fact that banks are constantly improving their system, there are still fraudsters who are able to hack any security system.
Суть состоит в том, что банк вкладывает there are enough funds to protect their data from intruders, but at the same time, customer funds are at risk. This is due to the fact that the client’s channel protection system invests a minimum of funds, because it is precisely these costs that fall on the client’s shoulders.
