Internet banking - it's easy!

Internet banking provides great opportunities for customers of various credit institutions. Thanks to him, now you can not leave home to perform most banking transactions. On this subject the development and use of this term financial instrument we talked to the advisor to the Chairman of the Board of the Moscow Bank for Reconstruction and Development "Elena Voronina. - What are the benefits of Internet banking compared to other services? What it offers opportunities to their clients? - The main advantage of internet banking - the ability to remotely manage the funds in their accounts online at any time and regardless of the location of the client. This modern form of banking service allows you to own payments to the extensive list of suppliers of various services without visiting the bank. All that is required the client - access the Internet from any computer without installing any additional software. Besides the opportunity to remotely pay a variety of services, list of which, incidentally, is constantly expanding, internet banking is different and other benefits. Internet banking services offer customers a broad front of information capabilities (information on the status of accounts, loans, deposits, banking services connected), financial capacity (a wide range of payments, transfers, currency exchange), investment opportunity (portfolio management, services for stock and commodity markets), also allow customers to block accounts if necessary, for example, if there was a loss of credit card. Obvious advantages in terms of the bank, since this service involves self from the client. Internet banking allows us to save staff time, and consequently reduces both the financial costs. Due to this, the bank can offer more favorable rates and low commissions on transactions in these systems. In short, this service saves time and money, both customers and banks. - According to World Bank statistics, global number of users of the service reaches approximately 300 million people. But in Russia, internet banking use relatively few people, what is the reason? - While Russian banks are in contrast to the foreign offer customers as part of Internet banking services to a smaller list, and therefore the number of users of these services is less. However, it is worth noting that in Russia the volume of transactions conducted by customers on their own through the Internet bank, has long been shown steady growth and, no doubt, will show further. Internet banking - the direction with a great future. This is due to the fact that today more and more customers become financially and technically "savvy", so willing to use modern banking services and technology. Simply put, the population gradually comes to the fact that all these possibilities, of course, convenient, safe and beneficial for them, and often cheaper! And use them at all easy. That is why today all customer-and high-tech banks seek to improve its own system for remote maintenance. The popularity of Internet banking is growing, demand and customer expectations are also rising. - How high maintenance costs? - Needless to connect to the internet banking system is free of charge by request. In addition the service is not intended, and the regular subscription fees. Thus, customers pay only for the transfer of funds, implementation of which involves the payment of commissions, whether through the Internet or in the office they are implemented. It is worth noting that a significant portion of payments and transactions conducted via the Internet, still takes place without commissions, for example, payment and mobile telephone numbers, and some utility bills and Internet service providers, as we have recently offered their customers make free transfers in payment of fines GAI. And this is not the whole list of free charges. - Who is the target audience of Internet banking? As mentioned earlier, the majority of service users - the most technically advanced clients and their number is constantly increasing. People understand that the use of modern information technology has become an integral part of our lives, understand the obvious advantages, benefits and prospects of these technologies. - What service is the most popular? Almost all customers use information services, followed by payments and transfers. - Do you think that is why bankers are recommended to at least two accounts: a settlement and a card? - The opening of two accounts allows you to share resources, thus, their use for various purposes is becoming more convenient. Also, the movement of funds in two accounts can be more effectively "monitor". - Are there any threats from hackers, as in this case are protected by the remote service? As with any Internet service threat from hackers exist. Banks account for the increased risks and take appropriate precautionary measures. Data transmitted over the Internet, adequately protected. Customers with guaranteed high security using the system. - Is it worth it to users to take some additional measures to ensure the security of their online bank account? - To carry out operations to customers are issued one-time passwords. These passwords will have only the customers themselves. Therefore, most importantly by the users to ensure the storage of keys out of reach of other persons place. This will prevent passwords from entering into the wrong hands, and consequently no one except the account holder can not hold payments or other transactions on his account. Practice shows that a compromise of service in most cases there is a client-side. Given this, banks are constantly working on improving the literacy of clients-users on-line services. - Do you think that in future we can expect from Internet banking, what are its prospects might appear some new services? - Since this is information technology develop a little more pace, and the Internet spreads to virtually all areas of our lives, of course, Internet banking has enormous potential. Modern high-tech banks tend to offer customers all of the most convenient and advanced features for managing their own funds. Thus, the process of self-service systems is still far from complete, we can say that all of the most interesting features are only waiting for us and our clients ahead.