Banking ulondolozo okude - ukusetyenziswa nokuphuhliswa

Eyona njongo ephambili yale bank ngamnye ukuze afumane inzuzo. Ukuze ufumane iziphumo ezigqwesileyo, kuyimfuneko ukutsala nokugcina abathengi abaninzi. Ngenxa yoko, umxhasi phakathi yonke iseti kweebhanki ukhethe ukhetho kakhulu bekhululekile. Enye indlela ebalulekileyo ukuze nokukhetha indlela mihla. ulondolozo Remote iqukiwe iinkonzo kuluhlu 80% kweebhanki Russian. Eli nqaku liza kujonga ntoni na inkqubo yogcino ekude yaye yintoni na ke indlela yophuhliso lwayo.

Ingcamango yokuba RBS

Banking isondlo ekude - iteknoloji yasungulwa ngqo umsebenzi eziqhele ebhankini. DBS ibandakanya ebanzi inkonzo lwabaxhasi ebhankini ngaphandle phambi lobuqu.

inkqubo DBS liye lasetyenziswa eYurophu nase-United States. ERashiya, inkqubo enjalo aye wahlanganisa kakhulu kutshanje. Noko ke, nyaka ngamnye kukho uphuhliso oluzinzileyo le RBS. ngonyaka ngamnye inani elandayo abathengi ngenkuthalo usebenzisa zebhanki yenyani.

Kakuhle eli yebhanki ekungelula sikuko into yokuba kukho inani elikhulu zentengiselwano zebhanki - ukuhlawula amatyala, ukufumana iingxelo-akhawunti, izicelo zobhaliso, ubhaliso amaxwebhu yentlawulo, njl - unako yenziwe kwimo imbalelwano, ngaphandle phambi lobuqu.

Banking Services Kude ziquka:

• "Bank-client".

• "Internet-Client".

• System "Phone-client".

• Iinkonzo ATM-mali kunye nokusetyenziswa kwezixhobo zebhanki.

Inkqubo 'yibhanki-client "okanye" client amafutha "

Le nkqubo isebenza ngendlela ufikelelo client ekude kusetyenziswa inkqubo yekhompyutha. Kuba lo uhlobo lomsebenzi kufuneka uqhagamshelane ebhankeni ubunkokheli zobugcisa uze ufake le program. inkqubo yogcino ekude kwakhona unalo igama yesibini - "client zamafu". It ihlanganiswe ukusuka kwamanye amazwe (zebhanki ekude, zebhanki ekhaya). inkqubo ezizodwa ogcina ulwazi lwabathengi kunye nembali intengiselwano kunye ebhankini. On njengekhonkco ngamnye inkqubo umxhasi kanga ebhankini. Kuba ngaxeshanye, umthengi kufuneka ukugcina uqhagamshelwano esisigxina nge imodem okanye yasendlini Internet.

Eli nani likhulu abasebenzisi "Bank-Client" inkqubo uyabonakala amaqumrhu asemthethweni. Lula ukusebenza kukuba zokufumana ulwazi, ukubonisa nesimo esikhoyo ngoku akhawunti kunye ukubulawa imisebenzi emininzi eyenziwa kude.

inkqubo esebenza kakuhle intsebenziswano efanayo ebizwa ngokuba "loNiko-Bank" lisetyenziswa ngamashishini ezininzi enkulu. inkqubo Banking ibonelela ekudalweni amaxwebhu yentlawulo kunye ukulandela ngokupheleleyo zonke iintshukumo kwemali akhawunti.

"Internet-Client" system okanye "client obhityileyo"

Okwangoku, inkonzo online iinkonzo zebhanki ekude esetyenziswa yi ngaphezu kwe-50% yabemi. Uninzi iibhanki Russian sele usebenzisa le nkqubo. Phantse wonke ibhange website yayo apho unako ukufunda lonke ulwazi oluyimfuneko.

Inkqubo 'Internet-Client "okanye" Client Thin "(zebhanki Internet, Web-zebhanki), singabandakanyi ukufakelwa software olongezelelweyo. Ukuze isebenze inkqubo ngokwaneleyo ukuba bakwazi ukufikelela kwi-intanethi. Ngo-akhawunti yakho, kumntu ngamnye uyakwazi ukujonga iinkcukacha ze-akhawunti zabo, bafumana iingxelo, ukuhlawula iinkonzo, kwakunye kwenza izicelo abo okanye ezinye iinkonzo zebhanki.

Ukunenzela lula, ukudala inguqulo yeselula, awanyakazela ngayo umsebenzisi unako ukwenza imisebenzi efanayo ukusuka smart.

"Phone-client" system

Uhlobo kwecacileyo, nto leyo ibandakanya bank ekungelula - libonelela nokuhoywa ulwazi efowunini. "Phone-client" uquka phone-mali kunye SMS-zebhanki.

Banking iinkonzo busenza ukuba ubukho kwiziko leefoni, apho qhagamshelana nommeli ebhankini.

Scheme processing kunye transmission kukho ezininzi:

• umxhasi xa enxibelelana umqhubi lowo;

• umxhasi ifumana ulwazi usebenzisa ilizwi menu;

• umthengi ifumana ulwazi nge-SMS-zebhanki;

Uluhlu lweenkonzo ezinikwe ngumxhasi, ilinganiselwe: emnxebeni uyakwazi ukufumana kuphela ulwazi umdla ukwazisa iintlobo ezininzi izicelo. Nangona kunjalo, imisebenzi engaphezulu ukuba imali okanye iimali transfer zifuna ukuchongwa kunye nobukho zobuqu.

Iinkonzo ATM-mali kunye nokusetyenziswa kwezixhobo logcino

Enye i phambili "ATM-zebhanki" RBS ukuthungelana eRashiya ingqalelo ukusetyenziswa kwezixhobo zebhanki - Ezi ziquka uthungelwano ezinjengeetheminali kunye ATM. Inqanaba amaziko ziqhelekileyo kwaye liyabonakala by inani amasebe kunye ATM, Sberbank ibamba, inkonzo zebhanki kude egqalwa enye aphuhlileyo kakhulu.

Development of RBS e Russia

Xa amazwe i kufutshane kwilizwe RBS na amanyathelo ezimbalwa ngaphezulu eRashiya. Okwangoku, uphuhliso lweenkonzo zebhanki kude ezimbalwa zibambene. Ingxaki kukuba nakufa inkqubo yebhanki okanye abantu engekakulungeli ukuba utshintsho obaluleke kangaka. Kuba imeko ezimbalwa emaxongo zemali investment ngokugqithisileyo imali abantu ngqiqweni. Inani elikhulu zokuhlala abanalo ufikelelo kwi-intanethi, singasathethi inqanaba computer sebenzisa badala.

Innovations ezifana ividiyo evela kwigosa ebhankini okanye yenguqu epheleleyo njengokubhankisha elayinini, siza kubona kufuphi elizayo, ngaphandle eMoscow nakumaziko ezinkulu zengingqi. Okwangoku, ukusetyenziswa kweenkqubo e-zebhanki eRashiya ijolise ekuphuculeni ukhuseleko kule nkqubo kwaye bafikelele kwinqanaba eliphezulu lenkonzo.

nobubi RBS

Njengoko kwamanye amazwe, iibhanki inkonzo Russian Isilawuli ethile enkulu: i inkqubo yokhuseleko. Imoto nobusela kwemali kwi-akhawunti yakho ye nawuphi na umsebenzisi ukuba wenkqubo onamava kugqalwa ingeniso lula kakhulu. Nangona yokuba iibhanki ziyaphucuka inkqubo yabo rhoqo, kodwa kukho itshivela ezinokuthi my kuwo nawuphi na umjelo yokhuseleko.

Eyona nto ibalulekileyo kukuba ebhankini imali imali ngokwaneleyo ukukhusela idatha yazo bangaphandle, kodwa ngaxeshanye, iimali abaxhasi 'sihlaselwa. Oku kungenxa yokuba ukukhuselwa kwinkqubo zabathengi lamajelo ukutyala ubuncinane iindlela, kuba ezi ndleko bawa phezu kwamagxa ye client.