Экономические науки/ 1.Банки и банковская система.

Gazizova Julia, candidate of economic sciences Sobchenko N.V.

Stavropol State Agrarian University, Russia

Internet Banking

At the present time, in the age of technology, we have almost can not do without a computer, Internet, telephone and other means of communication. Cannot do without them, not only because of the need, but also because they simplify our lives. One example is the many banking operations, which are now available to customers online. Now you do not even need to leave the house, just to have a computer and internet. With their help, a bank customer can easily manage their accounts, make deposits, make purchases, spending a minimum of time and minimum of effort.

The advantages of banking services include:

- Opportunity to consult with specialists Branch

- The possibility of obtaining assistance in solving problems vozniknuvshey

- Ability to withdraw cash

The minus bank branches are:

- Queues

- Not good service

- Not convenient geographical location of bank branches

- No possibility of obtaining services elsewhere in the country (If the client uses the services of a regional bank)

Remote Banking also has a number of pros and cons.

Pros remote banking services:

- Communication with the bank 24 hours a day

- Ease of use

- Instant bank transactions

- No need to leave the house

- Constant control of their bank accounts

- Instant informing the customer of completed transactions on his bank card through the phone

Cons remote banking services:

- Not used by all banks

- Complex interface, due to which the use of online banking is complicated

- Not everyone has access to the Internet, the computer [4]

It can be seen that both options have pros and cons, but remote banking services benefits not only by the number of positive qualities, but also simplify operations as a whole.

Remote Banking (RB) - a generic term for technologies provide banking services on the basis of the orders sent by the client remotely (that is, without a visit to the bank), often using computer and telephone networks. To describe the technologies used by RBS different in some cases crossed by value terms: Client-Bank, Bank-Client, Internet - Bank System RBS, Electronic bank, Internet - Banking, on - line banking, remote banking, direct banking, home banking, internet banking, PC banking, phone banking, mobile - banking, WAP - banking, SMS - banking, GSM - banking, TV - banking [3].

Types of RBS:

- "Client - Bank» (PC-banking, remote banking, direct banking, home banking)

- Internet - banking (Online banking, WEB-banking)

- System "Telephone Bank" (Telephone banking (phone - banking), telebanking, phone client, sms - banking)

- Service using ATM (ATM - banking) and self-service banking devices [3]

The most popular online banking and sms-banking. Since it is the most user-friendly.

Founder of Internet banking in Russia should be considered Autobank (now Uralsib), which in May 1998. to offer its clients the service ("Internet Service Bank"), which was designed exclusively for individuals. Guta Bank (bought by a group of "VTB" and renamed VTB-24) was also one of the first Russian credit institutions that have implemented Internet banking system "Telebank" (also focused on private clients). Initially, within the client can exercise ulation account by phone through an operator, and around the clock online service. In 1999, the system "Telebank" an opportunity to access the account via the Internet.

"Daughter" of foreign banks such as Citibank and Raiffeisenbank, provided private clients with access to card accounts through the Internet in 2002.

Today, almost all major banks offer internet banking service for individuals. Even Savings Bank, has long remained an exception, April 15, 2008 introduced a system of "Electronic Savings Bank" (spring 2009 renamed "Sberbank Online"). Transactions made with the help of Internet banking and sms-banking:

- Remittances

- Payment for services

- Opening / closing deposits

- Providing information on banking products

- Automatic notification of acceptance / withdrawing funds to / from the card (s)

- Avtoplatezh

Security Customer main task of the bank. Banks argue that customers using online banking at risk of not more cardholders who use ATMs and POS terminals to conduct operations. In order to protect online banking customers use disposable codes, passwords issued to the client terminal, electronic signatures. Banks strongly recommends that customers sign in to your personal account only from your home computer, in order to reduce the risk of hacking, information leakage, debiting money.

The greatest danger today is phishing - fraudulent scheme, bringing huge losses to banks. Scammers send out notices to customers with a request to be authorized in the Personal Area. When the client is the link he sees exactly the same interface and does not notice the trick. After authorization from the customer's account written off all the money.

According to statistical studies of internet banking in Russia are 15.4 million. pers. 53% of users of online banking are women. Demand for Internet banking grows with income citizens. Every year the number of Internet banking users increased by 15-20% [1].

The greatest number of users trust their money to Sberbank, as it is completely controlled by the state. Internet banking is famous for its simple and convenient interface, not difficult to manage, contains many tips for customers. The development of current technology helps to modernize the work of many sectors of the economy, including banking. Modern technologies simplify our lives, to minimize loss of time. Using modern means of remote customer service saves your time and at the same time controls all actions committed with his bank account.

References:

1 Banking automation // Moscow Finance Association. -2013. – 288p.

2. Gobareva, JL Banking information systems and technologies. Part 1. Technology bank account: a tutorial / JL Gobareva, ER 2012. – 269p.

3. https://ru.wikipedia.org

4. http://www.banki.ru/