Which Is Better: The Internet Bank Or Going To The Office?

A few years ago to purchase in the online store for most Ukrainians looked something wondrous and incomprehensible. But today the remote trading for most is a familiar kind of shopping. It is convenient and in most cases beneficial. At the same time to the Bank via the Internet "go" not more than 5 % of clients traditional financial institutions. According to experts, the rapid growth of interest in Internet banking requires that the degree of Internet penetration in the mass has reached a certain level. Ukraine this limit is almost reached. Today, the Internet is the vast majority of active in the financial plan of the population. Therefore, the surge in popularity of the Internet Bank not far off. Progress is inevitable Today the opportunity to be served through a web browser provide about 50 Ukrainian banks. According to surveys conducted by Gfk Ukraine, is the largest company in Ukraine marketing and social research - in the second quarter of 2012 the most popular service of the Internet-banking in Ukraine was recognized as Privat24. Services system Privat24 chose 77 % of Internet users, 20 % chose Raiffeisen Bank Aval, 13% of First Ukrainian international Bank, a 10% Alfa-Bank, 6 % - Delta Bank. The most popular operations: checking account balance transfer of funds between own accounts payment of housing and communal services payments in repayment of loans In addition to these operations through the Internet banking can be used to implement a variety of functions: to make transfers to other banking institutions of Ukraine and abroad to receive account statements that very convenient for household accounting to pay the bills, communication services, tickets, etc. create regular payments, which will be performed automatically at a certain time enjoy banking services (credit, change of limits) to place funds on Deposit And all this without going to the Bank. As they say, without getting off the couch. By the way, the system Privat24 not accidentally leads by a huge margin. The list of operations that you can perform using this web service can be used as a role model. Many banks do not offer small fraction of what is possible to accomplish by means of the service Privat24. The distrust of the population to access the Internet banking can be explained except that the retardation of thinking. In Ukraine still prefer to pay with cash, despite the fact that payments by credit card is more convenient, safer and cheaper. Many workers receiving a salary card, immediately removed and stored in a "table". What can we say about the retirees and other older generation. However, positive changes are INEVITABLE. It is enough to compare what the gimmick was considered mobile phones ten years ago, and the current universal telephone. Or take payment terminals. Today it is a normal thing. And when they started, people stubbornly stood in line at the points of reception of payments to top up their mobile phone account. In Internet banking the most difficult thing is to start. Moreover, the complexity of these purely psychological. Once successfully accomplished, for example, payment of utility bills, time for the next trip at the point of reception of payments, you will never find. To good quickly. Sweetie - advanced In seeking to attract Internet customers banks offer a number of privileges: special Deposit programs, higher rates on deposits placed via the Internet, transfer to accounts in other banks in 2-3 times lower than traditional translation in the Department. Through the Internet, the client is actively operates. Not many will run to the Bank to place on Deposit in excess of 1000 UAH., even though the money necessary to postpone the achievement of the goals. And if this just a few clicks - it is even possible. As practice shows, the average Deposit amount of users of Internet banking less than traditional customers. But this is not evidence of their poverty. They do not need to wait to accumulate a substantial sum in order not to regret the time spent on going to the Bank, which takes half a day. Internet users are more willing to replenish accounts because at any time have control over them: you can see the rest, to make any payment. Banks that have a good Internet Bank, actively attract physical violence. Of particular interest is the security of transactions conducted through the Internet. For the protection of personal data banks use: digital signature cryptographic algorithms for encryption of data channels and information one-time password generation algorithm which is based on random numbers sms-notification of transactions One-time passwords are generated using a special token trinkets. The password has a limited duration in seconds or minutes. The Bank may send the password to the mobile phone client. In addition, use the virtual keyboard to prevent the reading of information by computer viruses. Often limited to the duration of the session. To resume, the client must authenticate again. All these warnings do work over the Internet sufficiently protected. In short, Internet banking is preferred by those who are accustomed to speed, who likes to do several things at the same time, who doesn't want to put off until tomorrow what you can do today and understands that for greater security, you only have to eat a piece of paper with the password. Coffee lovers ceremonies With all the convenience of Internet banking, traditional banks will not disappear. There will always be customers for the ceremony. They like to visit the solid building of marble and glass, to contemplate the well-dressed well-trained staff are slow to communicate, choosing a acceptable banking product, drink coffee and feel great. Even in the absence of time, this category of people does not give pleasure to visit the Bank. Even if such an opportunity is not often. Many bankers believe that the development of Internet banking will not lead to a significant reduction of branches of financial institutions. Banks are interested in serious repeat customers, which is aimed at long-term cooperation, prefer live communication, count on an individual approach. According to them, the online segment is developing rapidly, but still has its ceiling, which is 25-30 % and not more. Banks are completely gone because with the introduction of online services though is the cost savings of switching to self-service, these means are not so much released, how much is redistributed to the other channel. The Bank has to maintain the uninterrupted operation of the system, to guarantee security, to pay for licenses, software, technical means of protection (OTP-tokens, USB tokens). Most likely, there will be a division of functions. This simple operation will be carried out by users through the Internet. And banks will turn to counselling centres, helping to choose the best banking products.