E-Banking service allows you to transact. During connected to the Internet. Financial life you can set from the front of the computer, anytime, anywhere.
Ever get stuck in long queues at the bank or in front of the ATM? For busy people, the job was not a pleasant thing, just a waste of time. Fortunately today there are many banks are already providing Internet banking services, called e-banking. Banking business to be more practical, efficient without having to wait in line effortlessly.
Many big banks around the world are implementing e-Banking services including electronic transaction. electronics transaction served every bank is approximately the same, i.e. all types of transactions, except for cash withdrawals.
Registration
Before you can enjoy e-banking service; customers must register through the ATM machine (Automatic Teller Machine) or directly in the bank concerned. Through the website, you can choose the main branch office of a bank to withdraw the Token. Token is a device that serves to remove the password for the conduct of electronic transactions. Password always change each time you do transaction. Based on Token, you can access e-Banking services are safe. Why it is safe? Each token is only registered for one account only. This token is only needed when you will perform financial transactions. Just check balance through the website does not need this tool, simply capitalized, user ID and PIN e-Banking only.
Accessibility
E-banking in terms of superior accessibility; quick and convenient. In short, users like to have non-cash ATM machine personally. Business check balances, credit and buy a ticket, transfer funds to another account, and pay bills from the bill could fix the computer, from where and at any time.
E-Banking transactions are also easy to do. Simple interface and easy to understand. You do not need to worry about the bank’s history transacts. The Bank will provide evidence for each transaction that has been done. This evidence can be printed, stored, or transmitted to others Via Email.
The prospective users or new users should not worry about the event the Internet connection is lost when the transaction has not been done .You don’t have to worry because the e-Banking services are now sufficient to have completed the encryption procedure. Most importantly, as a user, you should always be cautious when going to transact, the Internet remember a lot of criminals.
Threats
Despite offers comfort and convenience; there are still gaps in the e-banking transactions that can be used by Cyber criminals. They could just take advantage of lax customer by employing their artificial malware to steal banking data from a computer that is used to transact. Tapping on the Internet user ID and password may be done with the key logger, software “spy” who has the ability to record any information typed on the computer. By key logger, the catch is stored in a log file that can be sent to that address specific . This malicious program can record the email address used by the user, as well as website addresses visited by more users. And methods used by hackers are to achieve personal benefits in a way that does not respected. By the way because it required the attention of transactions using this e-banking.
We have customers of many, just a bit of daring to taste the pleasure of e-banking. The used still concentrated in urban areas. But seeing the various facilities offered by the e-banking, as well as the increasing mobility of people, this banking solution, slowly but surely going to be the solution of choice for many people.