Custard

MOBILE
BANKING
1 Check-in!

YOU ENTER A CONVENIENCE STORE FOR A

BOTTLE OF WINE (OR A DRINK YOU LIKE).
HOW ARE YOU PAYING FOR IT?
2 Check-in!

IS YOUR WALLET THICKER THAN YOUR

ACCOUNT BALANCE? WHY?
 CONTENT LIST
1 Introduction 4 Case study

2 Benefit 5 Suggestion

3 Disadvantage 6 Game
INTRODUCTION
Definition, History, Types
Definition
Refers to the use of a mobile device to
access banking and financial services

Enables customers to check their bank

account without visiting banks
History
Before mobile web services in 1999
--> through text or SMS

European banks were on the frontier of

mobile banking service offerings

Until 2010, banks were utilizing the mobile

web and SMS to offer banking services
History
After 2010

Development of iOS by Apple and Android by

Google for smartphones

The emergence of web-based technologies

(WBT)
Custard

TYPES
OF MOBILE BANKING
Account information access
Allows clients to view their account
balances and statements

Transactions
Transfer funds, execute self-account transfers,
pay third parties, and make purchases

Investments
Manage portfolios or get a real-time view of their
investment portfolios
Support services
Provide a dedicated menu in m-banking app to
submit requests for services

Content and news

Provide news related to finance and the latest
offers by the bank or institution

Complaints
Complain about any forgery or invalid
transaction from accounts using the app
2
Advantages of
MOBILE BANKING
What can we benefit from
Mobile Banking?
2 Convenience
The ability to bank
wherever and
Diverse
whenever we want is
one of the main Features
benefits of mobile
Mobile check deposit
banking.
View statements and
account balances
Transfer funds
Better Pay bills
Advantages of Security

MOBILE It’s been reported that

digital payments and

BANKING
e-wallets actually
offer more security in
some cases than a
physical card.
3
Disadvantages of
MOBILE BANKING
What can we NOT benefit from
Mobile Banking?
 3 Internet Reliance
A major disadvantage of mobile banking
is that it functions only if you have an
internet-enabled smartphone.

Tech Knowledge Required

To enjoy mobile banking advantages, a
person needs to constantly keep
themselves up to date with the constantly
Disadvantages of evolving banking technologies.

MOBILE Cybercrimes arising

BANKING Unsafe internet and mobile banking

practices can lead to internet scams.
Case Study
Definition

allows customers
a smart app to conduct
provided by transactions
Agribank through Internet
 Reason
The organizer Customer

The number of users is

overloaded, causing logging in
errors.

Poor internet connection.

Bank system maintenance,
system upgrade.
Password pretermission.

Transaction recording errors.

Slow transaction.
Types of error
Failure of Money transferring and
receiving

Transmission error

Error of Agribank E-Mobile Banking

due to system maintenance
 System and

Failure of transmission
failure. The time of

Money The bank branch

transaction

is out of money at
transferring that time, not
enough money to
and receiving complete the
transaction.
Transmission Error
The reason for this error comes
from both the organizer and
customer.

Organizer Customer

Overloaded Unstable user's

bank's server transmission
system

 Error of Agribank E-Mobile Banking

due to system maintenance

Causing
System inconvenience
maintenance is a System
and possibly
common cause upgrade will
trouble for
take about half
users
a day,
especially at
night time
Evaluation
Strengths
Strengths Weaknesses

Announce any error

Repeated errors
related to the system
and maintenance
Diffuse process of
support
Try to improve the
quality of service
Time-consuming
system maintenance
Support customers
Suggestion
Clients forget logging off
→ Hackers can divulge transaction data
→ Add an auto-logout feature when the
transaction is done

Fails to connect to the network

→ Using new emerging technologies

lucky
OBJECT
 lucky object

Each team will choose its favorite object

and answer a corresponding question.

Each object will have random points,

which will be revealed at the end of
the game. The team with the highest
score will get 2 bonuses.
 4 8
2
6
1
5 9 10
3
7
Result
1 Which of the service is not available through
mobile banking ?

A. Checking of account history

B. Investments

C. Withdrawal of cash

D. Bills payment
 Back

1 Which of the service is not available through

mobile banking?

A. Checking of account history

B. Investments

C. Withdrawal of cash

D. Bills payment

 Mobile app fraudulent transactions have

2 increased by over …… since 2015.

A. 100%

B. 200%

C. 400%

D. 600%
 Back
Mobile app fraudulent transactions have
2 increased by over …… since 2015.

A. 100%

B. 200%

C. 400%

D. 600%
3
What authentication do banks use?

A. SMS OTP

B. PIN numbers

C. Fingerprint scanners

D. All answers are correct

 Back

3
What authentication do banks use?

A. SMS OTP

B. PIN numbers

C. Fingerprint scanners

D. All answers are correct

4
What is not a disadvantage of mobile banking?

A. Potential security risks

B. 24/7 access to funds

C. Tech issues

D. Extra charges for services

 Back
4
What is not a disadvantage of mobile banking?

A. Potential security risks

B. 24/7 access to funds

C. Tech issues

D. Extra charges for services

5
When did SMS banking start?

A. 1992

B. 1994

C. 1999

D. 2002
 Back
5
When did SMS banking start?

A. 1992

B. 1994

C. 1999

D. 2002
 Which reason was not mentioned when talking
about Agribank's error?
6
A. Poor Internet connection

B. Overloaded registration

C. System maintenance

D. Storage inefficiency
 Back
Which reason was not mentioned when talking
about Agribank's error?
6
A. Poor Internet connection

B. Overloaded registration

C. System maintenance

D. Storage inefficiency
 How long can system maintenance time last?

7
A. 2-3 days

B. 3-4 days

C. 4-5 days

D. more than 5 days

 Back
How long can system maintenance time last?

7
A. 2-3 days

B. 3-4 days

C. 4-5 days

D. more than 5 days

8 What is one of the ways Agribank practices to
limit bringing inconvenience to its users?

A. Reimburse users for system upgrading inconvenience

B. Send users flight vouchers

C. Conduct maintenance at nighttime to avoid peak hours of use

D. Allow users make transactions while maintenance.

 Back
8 What is one of the ways Agribank practices to
limit bringing inconvenience to its users?

A. Reimburse users for system upgrading inconvenience

B. Send users flight vouchers

C. Conduct maintenance at nighttime to avoid peak hours of use

D. Allow users make transactions while maintenance.

9 What is not a weakness of Agribank?

A. Frequent errors

B. Extended downtime

C. Complicated support process

D. Unsupported 50.000.000+ VND - worth transactions.

 Back
9 What is not a weakness of Agribank?

A. Frequent errors

B. Extended downtime

C. Complicated support process

D. Unsupported 50.000.000+ VND - worth transactions.

 Which acronym does not stand for a bank
10 service?

A. VJC

B. BIDC

C. MSB

D. UMEE
 Back
Which acronym does not stand for a bank
10 service?

A. VJC

B. BIDC

C. MSB

D. UMEE
 -5
8
5
6
10
-10 5 10
3

-2
 2 3

So
Who is the

Winner? 4
Team 1
Team 2
Team 3
Team 4
THANK YOU
For Your Attention
Hopefully, what we say can be
useful for all of you.