Online banking, also known as online banking, online banking or electronic banking, is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account closing, inquiry, reconciliation, inter-bank transfer, credit, online securities, investment and wealth management. Through the internet, customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home.
1. Mobile banking service can also be called mobile banking, which is the abbreviation of using mobile communication networks and terminals to handle related banking business. As a brand-new service combining electronic money and mobile communication, mobile banking not only enables people to handle all kinds of financial services at any time and any place, but also greatly enriches the connotation of banking services, enabling banks to provide traditional and innovative services to customers in a convenient, efficient and safe way.
2. Mobile banking is not telephone banking. Telephone banking is a banking service based on voice, and mobile banking is a banking service based on SMS. All the business conducted by telephone banking can be realized through mobile banking, and mobile banking can also complete the second transaction that telephone banking can't realize. For example, banks can pay telephone, water, electricity and other fees on behalf of users, but generally they can only transfer money after the user confirms it.
Because mobile banking uses SMS, users can receive the information sent by the bank at any time when they turn on their mobile phones, so they can confirm the transfer anytime and anywhere.
3. Compared with WAP online banking, mobile banking has outstanding advantages. First of all, mobile banking has a huge potential user base; Secondly, mobile banking can only be operated after the SIM card and account double passwords are confirmed at the same time, so it is safe.
WAP is an open network, and it is difficult to guarantee that it will not be attacked in the process of information transmission.
4. In addition, mobile banking has good real-time performance, and the turn-back time is almost negligible, while WAP needs always online for the same business, which will also depend on many uncertain factors such as network congestion and signal strength. Operating environment: apple 12ios 14.