Bank is a financial services company..Like without money Human life is inaccessible..In the same way without bank human life is impossible..wherever Economic activities are increasing there the branches of the banks are looking forward to the competition..The value of the service is increasing as well..Who is going to be able to provide better service to his customer theirs competition is going on..There arriving on the use of advanced technology..As a result, we are enjoying ATM Booth, ATM Card, Debit and Credit, home banking, Mobile Banking, online banking. Interbank accounts are being used in electronic banking system..So it is not possible to get the idea of banking services, except for the modern technology services...
Use of technology in banking and customer service 📝
The whole knowledge related to the way we do the work is called technology..This knowledge is constantly changing so that it is changing in the way of the human process and in keeping with it...30 years ago, agricultural knowledge of the peasantry of Bangladesh was at that stage in the advancement of agricultural science..As a result, new farming system has been introduced...Emails and Internet communication technologies have evolved from telegram, telax,fax to send mailers using pigeons...In the field of business and big laser books, the traditional banking end of the stacked metallic token typist clerical has ended..Modern information and communication technology has changed so much in the business that the slow-moving paper and manual labor-based banking activities have changed earlier.At present, various new banking facilities were introduced in the electronic banking system..In every case, the innovation of new technologies has increased by increasing the type of job of the bank, and increasing its customer service standards and support...A revolutionary change in managing bank's internal environment, employee quality, fast banking services, 24 hours money withdrawal facility, debit card, credit card, online banking, home banking, mobile banking etc., in any branch of the bank. Similarly, customers are always encouraged by banking services and getting new services..
So now, starting from a student, the general people of the society are dependent on the bank for their financial transactions..As a result, the banking industry is now a prestigious business field..
What is E-banking/Electronic Banking❓
lets tell a story first
Mr. Imran and Mr. Imdad have two friends. Stay together. Imran is a advanced thought person so from the start he trading through bank accounts...But Mr. Emdad kept the money in the house first because he felt very upset to stay in the bank..But after seeing the friend of losing money more than once, he now has all the transactions in the bank..One day, two went to a big shop to come together and bought the goods and came out to the counter and mister imran removed a card. The Counter worker took out a paper and took friend's sign, mister imran surprised.To walk on the road mister imran said, wait,pick up some money by card..He came out of a booth in a couple of minutes with money..Mr. Imdad said that you havs the magic card..He has now taken the ATM card himself..Now he does online banking, take away card checks wherever he goes away, know the bank's balance with mobile message, sets up the software through his home computer, now he will pay all the bills through banking, he will enter the world of mobile banking, all of which are due to electronic banking..
Electronic bank system..🔄
The e-banking system is the modern technique or method of providing banking services..It is a type of banking service system that uses advanced electronic technology to deliver a fast, accurate and comprehensive service..This type of banking system eliminates the traditional banking system of stored papers and documents stacked with limited service based on traditional manual labor.
The country's renowned bank Dr A R Khan said about this..
"""Electronic banking is the advanced technology based advanced satellite based computerized process through which fastness and accuracy can be ensured, providing interactive communication with pre-paid service providers."""
According to Electronic Banking Expert H.Lipis
"""Electronic Banking System of Electronic Systems Transfer Money Android Data Relating to This Transfer""""
He also said
"""""Electronic Banking Services Array Developing Tools In Overall Banking Service Delivery"""""
Electronic banking services are as follows:⤵
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Automatic teller machine(ATM)
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Debit card and credit card
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Online banking
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Home banking
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Automated clearing house service/ACH
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SCH
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Interbank clearance payment system
Importance of Electronic bank 📠
Electronic banking is one of the most innovative additions to providing banking facilities and banking system.Traditional banking system based on manual labor is now history.However, it was not thought that such a change would occur in banking system just three decades ago.As a result of this system, virtually all parties related to banking business have benefited..Especially customers directly benefited by the banker..
below The importance of both parties is highlighted:-
##Importance towards banker's 💼
✏ providing better service :💥
With the introduction of electronic banking system, it is possible to provide quality services to the customers..Which raises the reputation of the bank, and such a reputation undoubtedly integrates the interest of the banker or the owners
✏ Reducing administrive cost : ✂
It is possible to work quickly and easily due to the use of computer technology..As a result, more jobs are employed by fewer manpower, and consequently, administrative expenditure is greatly reduced..
Increasing miscelleneous income 🔲
Once the bank's only income was on the income received from the interest of the loan..But now, due to electronic banking, debit card has become important as well as various earnings like fee credit card fee online banking fee..
✏Increasing amount of profit 📈
With the introduction of electronic banking system, the quality of service has increased on one hand, on the other hand, the administrative expenditure..
Despite increasing the financial benefits of the bank staff, the profitability of bank business has increased in the whole world..
✏Increasing the ability of competition 📈
Banker's ability to compete in such banking systems has increased..As the introduction of new service system has increased the ability of banks to attract customers, there is also the opportunity to develop and develop their own skills compared to others.
✏Reducing paper-based documentation ✔
Previous banking arrangements were based on paper..That is, every subject was preserved in various lasers and files..The paper stacks were stored in it..All the information in the electronic banking system has been reduced to save the computer
✏Developing internal environment 🔴
Due to the reduction of paper dependence due to lack of paper stack in the bank and the computer is used on table, the internal environment has improved.Besides, the educated and skilled people are now working so that the internal environment of the bank has radically changed
Importance towards customers 👥
✒Saving time ✂
The big advantage of the electronic banking system is that it has saved valuable time for the customers.At least half an hour had to be done by depositing such a check before, now it is only 2 to 1 min..Computer Data Bank ATM Machines Home banking online banking has been able to save a lot of time in all the banking activities
✒Ouick money transfer🕦
Where the accounts are opened in online banking system, easy money can be withdrawn from the bank or any of its branches under this network.
With this kind of banking, send money quickly from one place to another.
Being able to send and receive money quickly from anywhere in the country and abroad due to satellite access.
✒Quick receiption of information 🌠
There is a need to know the latest information from the bank for various reasons..Such information is very easy due to electronic banking..Knowing about the balance receipt of the transaction, Knowing the transaction, Central Bank for collecting data from other banks, facilitating the work of home banking facility etc.
✒Mistackeless transaction 🔲
There is a great possibility of making mistakes in human limitations..The possibility of electronic banking is very low.Autocomplete computer accuracy verification accounting transaction etc. due to the possibility of error being reduced..As a result, the interest of transactions through banks increased among the people..
✒Receiving various types of services 🔆
The availability of services to customers due to electronic banking system has increased a lot..Although banking services are limited before deposit collection and credit, now there are opportunities to get ATM Debit Card credit card banking services.
✒Safety of account🔒
With the help of electronic banking, the security and confidentiality of the customers' accounts has increased a lot..Before the payment of a check, before completing the payment, the tables did not have enough quality to read, which is now practically done by a skilled worker.From the Papar number of the issued check, all are seen on the computer..As a result, security has increased a lot..
Modern banking facilities and services for customers:
The modern banking system has opened up a wide range of possibilities for the services of higher technology for the bank, as well as ensuring improved services for the customers..
The following are briefly given to the customers:
ONE STOP SERVICE-
One stop service means that the customer is required to receive the necessary service by visiting a bank official..In the past, after submitting a check for withdrawal of money, sampling signatures from the token issue, many employees were related to the payment till the end of the posting with the leger posting.But now if the check deposited for the money answer, the bank staff sees the signature signature with the signed signature of the customer's bank account on the computer.After that there is no restriction on the payment of money from the village peasants as there is no money..If one looks at the bank employee at one moment, then the amount of the amount of the customer's account is debited by debit.Counting machine is used to calculate the money so that the customer can read the reading of the machine.That is, only 1 or 2 min money is withdrawn, in the same way, the worker seals the cash deposited by the customer on the computer as well as the customer, who has helped in the effective time-consuming of the customers.
AUTOMATED TELLER MACHINE/ATM
Automated self-managed account transactions are short term ATM..Withdrawal money as a customer, money transfer from one account to another, the transfer of money in the day, etc., can be automated in order to operate easily and accurately, so widely appreciated throughout the present day.It can easily be installed in such a narrow lane in a short space of 24 hours for easy access.Provides a kind of magnetic power spectacular plastic ATM card to interested customers interested in availing this facility..In this case, each customer is given a unique PIN..Customers need to use ATM booth bus terminals to use the card to withdraw money and take advantage of the necessary services if the transaction is needed.Basically ATM cards refer to debit cards and credit cards
CREDIT CARD
Credit card is a widely used electronic service system.The credit card is given to the customer through credit cards, because it is known as credit card.This card can be used to withdraw money from ATM booths and purchase products and services from a specific march organization.Currently, various banks provide card with symbolic strength to the dignified customers who have the capability to borrow.Specify how much credit will be given to a subscriber.Through this credit limit or the maximum permissible debit balance, the customer can use it repeatedly to pay for the purchase of a product or service from a specific shop or organization.
Examples of Master Card, Visa Card, Vanic Card etc.
DEBIT CARD
ATM system based debit card is one of the most important methods for funds withdrawal and fund transfers..Only the card can be used if the customer account is debited, therefore it is called a debit card.How credit cards can be availed by the purchase of goods and services, in the case of a debit card, in the same way fund transfer is the marriage of different services and the premiums and premiums of China and the premiums are easily available at one place and at a short time.Our country now offers various bank debit cards.
ONLINE BANKING
Online banking is a network of computer systems based on multiple branches of a single bank or in different branches of multiple banks.In this case, a customer can take advantage of his bank account at any branch of the bank under the network.This means that they can perform transactions by taking out the calculation on their computer.
Money deposit, collection of checks, collection of bill, etc. can be utilized for various online banking services.Such banking has expanded broadly by limiting the limited transaction system confined to a specific location and eliminated the need of redemption by carrying cash or drafting it.
HOME BANKING
Home banking system has emerged so that customers can perform banking activities at home
The TBP system was introduced to provide different bills by telephone at home..In this, the customer approves the bank to pay certain amount of bills to specific companies..As a result, the bank debits the customer's account and credits the recipient's account..
Note that in this case the bank account holders need to be in the bank..It is possible to make bill easily without any hassle of matching and posting documents..
Seathe first introduced this kind of electronic banking system through the first National Bank "In touch package..In this case, the client prepares the bag in the software in such a way that the customer's telephone is able to identify the software and perform the customer transactions.The next advanced version of home making a TBP
is video home banking..The customer executes the transaction by sending information to the bank in computerized mode..In this case, the bank establishes their software in the customer's personal computer terminals..As a result, the customer can use his specific PIN while sitting in the house to know all the details of his calculation, along with different bill payments, LC open etc.If someone else in the house knows the palm then he can use this facility for evil purposes, because he has to be used very secretly...
MOBILE BANKING
""Wireless telecommunication system uses mobile handsets to communicate with the bank to collect data, provide information and deal with mobile banking""
Access to the financial and accounting database of the bank can quickly expose your information and allow authorized transactions to create an excellent opportunity Mobile Banking System..In the case of home banking, the use of computer network PINs can be found only to facilitate the acquisition of bank account statements and limited fan transfer opportunities.A customer has to pay the mobile number by filling the form given by the bank..
After this SMS can be sent against the specific code from this mobile number and its account balance..Which helps to cut new checks or make financial decisions..What is the latest transaction, information and limited range can be known..Besides, SMS can be sent by sending SMS and transfer of funds...In the case of mobile business or m-busines, mobile handset internet connection can be used as a way of taking mobile services and transactions using credit cards.Bangladesh brac bank bkash and Dutch Bangla Bank introduced such banking in the name of mobile banking service which has already been able to gain considerable popularity...
Consumer data protection and privacy in electronic banking system
Modern computerized system has been introduced to protect the information and privacy of customers of electronic banking.
As information is stored in information technology, data is available at one go and it is safe and effective...Computer-based database-based software-built-in input and output system through electronic data processing and data processing, electronic banking has played an important role in helping quick access to information.The information is not only stored, but it is constantly updated and the system is saved..Conservation of information protects the information and information that can not be lost or any unsuspecting bank employee can not be harmed by the customer by misusing the transaction and entering into an electronic banking system.Only the customer knows the PIN that the customer receives when using the credit card debit card, so the privacy protection is there.Bank staff can not open accounts of customers..Only those who are empowered are given a separate PIN..Without any number, no record can be recorded by opening the account..To record a transaction, the person who has the ability to do this is required to do it by his pins and the person's PIN against the transaction is recorded.Therefore, the necessary precautions are effective..The information related to the bank customer is stored so that the software can be harmed due to the loss of one computer delete.Information on multiple servers completed by modern technology is automatically inputed..There is no problem getting information if there is any rift anywhere..That is, the electronic banking system is taken in the highest alert to protect customer information and protect the privacy..
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CONCLUSION
In conclusion, electronic banking is the most advanced method of banking system, where the use of computer technology is fast and accurate to provide extended banking services.
Collect money in this case, complete the transfer transaction, collecting and saving the information. The work of communication etc. is done in electronic form.