New banks, new services 1.

SAVERS who want to build a nest-egg can now enjoy a new banking service, as some private banks have begun visiting customers to collect their money.A typical savings account might pay 12 percent annual interest, and allow depositors to withdraw money once every three months. The minimum deposit is K10,000. The service may be convenient for depositors, but represents a lot of extra work for the bank. Bank employees come to the office every month to collect the deposits. Customers dont have to go to the bank either to deposit or to withdraw money. However, while the service might be good for consumers and the banks, it might be at odds with Central Bank of Myanmar regulations. A Central Bank spokesperson said banks were not allowed to conduct banking procedures outside of their compounds.It is illegal for banks to perform banking operations beyond their compounds according to Central Bank rules. However, if the banks staff were only going to private companies and persuading customers to join the bank we could accept that as a good marketing strategy, he said. 2. Thc hin giao dch trn gi Ngn hng Cng thng Vit Nam (Incombank), ngn hng thng mi c phn Chu (ACB) cng ang c d n p dng tng bc h thng thanh ton in t (e-payment system). Cng kha cnh ng dng cng ngh thng tin mi vo hot ng ngn hng, ACB hin ang trin khai dn cho ton h thng ca ngn hng ny gii php TCBS (gii php ngn hng ton din). Gii php ny cho php tch hp c cc phn mm nh h thng th thanh ton my ATM (my rt tin t ng), h thng dch v ngn hng qua in thoi (phone banking), dch v ngn hng qua intranet/internet (e banking). Vi h thng trc tuyn ny, khch hng c th gi v rt tin nhanh chng bt k chi nhnh no ca ACB, c th lm th tc vay ni ny nhng gii ngn ni khc Ti mt s chi nhnh, ACB cng a vo s dng h thng QMS t ng sp xp khch hng vo cc quy giao dch. Cc my in t nh gn c b tr ti cc ni giao dch s cp s th t cho khch hng tu theo loi giao dch (tin gi, tin vay, dch v th, khch trong nc, khch nc ngoi). Khch hng c nhn vin thng bo n ng quy cn thit c thc hin trn gi mt yu cu giao dch, khng phi lng tng v kh chu v phi qua nhiu quy khc nhau thc hin h s, th tc. Vi gii php ny, thi gian hon tt mt giao dch ch khong 5 pht thay v phi tn n 20 pht nh trc y. 3. My ATM "ngi" L n v i sau trong vic pht hnh th v trang b my ATM nn ngn hng Si Gn Thng Tn (Sacombank) tm cch i tt rt ngn thi gian tip cn loi dch v ny. Gii php ca Sacombank l phi hp vi ngn hng ANZ mt ngn hng nc ngoi - pht hnh th va c th rt tin ti my t ng ATM,

va c th dng ngay th thanh ton giao dch ti cc ca hng mua sm dch v ang l i l chp nhn thanh ton th cho hai ngn hng ny. Vic phi hp chung h thng ca nhau gip khch hng s dng th thun tin hn thay v theo kiu th ca ngn hng no ch xi c ngn hng ny. Mt khc, hin ti my ATM ca Sacombank (ang t ti chi nhnh Si Gn) cng nh my ATM ti ngn hng ANZ l nhng my thc hin rt tin 24/24gi. Phng t my ca hai ngn hng ny s dng kho in t, c lp trnh ch th c th s dng chnh th ca mnh m kho ca v vo rt tin. Ngoi vic phi hp nh cch lm ca Sacombank, cn li cc ngn hng khc hin ang trang b kh nhiu my ATM nhng ch s dng cho th ca chnh ngn hng mnh. V vy, i vi ACB - mt trong s t ngn hng pht trin th kh mnh - trc mt ang chn hng i khc. ng Phm Vn Thit, tng gim c ACB, nhn xt rng vic u t trang b my ATM ch hiu qu khi hnh thnh c mng xng sng gia cc ngn hng khc nhau, gia nhiu loi th khc nhau, bng khng s l lng ph. Theo , hng chn ca ACB l u t my ATM ngi. Khi pht hnh th thanh ton v rt tin eCard mi y, ngn hng ny t chc 114 i l ng tin mt i vi yu cu rt tin ca ch th. Song song , ACB t chc bc u gm 3 im (kiosque), tng ng 3 my ATM, phc v rt tin ngoi gi, c ngy l, tt. Cc im ny, cng nh cc i l ng tin mt, khng ch phc v ring th eCard m cn cho ton b cc loi th thanh ton khc ca ACB nh Visa, MasterCard hay th tn dng ni a. ng Thit ni thm, cc i l ng tin mt hoc thanh ton th bao gm cc lnh vc kinh doanh khc nhau nhng hu ht phc v c ban m, do vy ch th khng lo khng th s dng th c khi cn rt tin ngoi gi hnh chnh.