E-Banking Features

Author: Digital INFO | Posted at: 6:11 AM | Filed Under: E-Banking |

E-Banking Features, Structures, Cyber Cash, Availability, Capability. Acceptance, Problems, Hacking, Solutions:
The Features of Electric Banking:

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14.

Available booths. 24 hours cash withdrawal facility. Quick cash withdrawal facility without having queue. Account activities enquiry in any moment. Statement request through ATM/Debit/Credit card. Transfer Own funds to other account number in same bank. Present balance inquiry. Deposit or mail cash or cheque (cross cheque) through mechanical inquiry. Changing personal identity number (PIN). Slips of bills of every transaction. Mini statement which contains 8-10 previous transaction records. Capability of paying utilities bill. Withdrawal money using Visa Card, MasterCard, Maestro and other banks debit card. Withdrawal money from dollar account, which gives taka by converting foreign currency.

Structure of Electric Banking; E-banking is a good general term referring to various computer-based technologies for delivering bank services. Electronic banking system can be divided into 2 categories by the functional characteristics:

3. 2. Power failure in the outlets Charges are higher for the card. users should use virus scanners and be careful with downloaded software and attachments. Hacking Problem in E-banking: Most of the attacks on online banking used today based on deceiving the user to steal login data and valid TANs. 5. 2. 4. Bank-office electronic banking: This banking provides information management services and quick cash fund transfer facilities. The common types of problems they face are: 1. So they are satisfied because: 1. 7. the use of class3 card readers is a measure to avoid manipulation of transactions by the software in signature based online banking variants. Online banking faster than visiting the bank Customer can withdraw money from anywhere and anytime. Digital certificates are used against phising and pharming. Traditional habits of common people. Password fraud. 5. Customer opinion of Electronic Banking: According to many customers. Risk of debit or credit card forgery. Countermeasures of the problems: There exist several counter measures which try to avoid attacks. Slow bandwidth of internet may delay the transfer rate.1. To protect their systems against Trojan horses. Electronic Financial instruments: This banking provides customers all prescribed banking facilities in any remote areas or outlets. No need to carry money. No chance of snatching or high jacking money as they PIN number of the card is secret. Cross-site scripting and key logger/Trojan horses can be used to steal the login information. 4. . 3. 2. Banks may delay to provide PIN number whenever client loses his Credit or Debit card. Problems in E-banking: In many cases people have some complaints also. All the banks are under one network and anyone can drae money whenever he likes. Two well known examples are those tacks are phising and pharming. ATM’s fall short of money. online banking is the preferred transaction method among banking customers. 6.

Cyber coin prepaid payment system for all small cash payments. 2. Related Articles: E-Banking Bangladesh E-Banking Worldwide .Cyber Cash: The generic cyber cash covers essentially three different electronic payment system: 1. 3. if so it will be 3G e-banking in Bangladesh. A debit card-based payment system. Cyber Cash is offered by various American and German banks and very soon will be launched in Bangladesh. A debit card system.

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