Banking yesondlo akude - ukusetshenziswa nokuthuthukiswa

Umgomo oyinhloko ebhange ngamunye ukukhulisa inzuzo. Ukuze uthole imiphumela elilungile, kubalulekile ukuheha bese ugcine amakhasimende amaningi. Ngakwelinye ihlangothi, iklayenti phakathi lonke iqoqo amabhange ukhethe ezimenza azizwe atjhaphulukile. Enye indlela ebalulekile yokukhetha indlela yesimanje. yesondlo Remote likhona amasevisi uhlu 80% amabhange Russian. Lesi sihloko iyobheka ukuthi akude yasebhange uhlelo futhi yini indlela yokuthuthuka yayo.

Umqondo RBS

Banking yesondlo akude - ubuchwepheshe athuthukiswe ngqo umsebenzi kude ebhange. DBS kuhilela esibanzi kwamakhasimende ebhange ngaphandle khona siqu.

DBS uhlelo Sekuyisikhathi eside esetshenziswa eYurophu nase-United States. ERussia, isimiso esinjalo uye ihlanganiswe ngempela muva nje. Nokho, njalo ngonyaka kukhona ukuthuthukiswa esitebeleni we RBS. Minyaka yonke siyanda isibalo amakhasimende ngenkuthalo usebenzisa yasebhange ebonakalayo.

Ingqikithi yalo yasebhange namasevisi akude liqukethe yokuthi inani elikhulu ukuthengiselana yasebhange - ukhokhe izikweletu, ukuthola izitatimende ze-akhawunti, izicelo sokubhalisa, sokubhalisa kwemibhalo lokukhokha, njll - kungenziwa kwenziwe ukuxhumana mode, ngaphandle kobukhona siqu.

Banking Services Remote zihlanganisa:

• "Bank-iklayenti".

• "I-Internet-Client".

• System "Ifoni amaklayenti".

• amasevisi ATM-yasebhange futhi ukusetshenziswa kwamadivaysi yasebhange.

Uhlelo "ebhange-iklayenti" noma "iklayenti amafutha"

Uhlelo lusebenza endaweni akude amaklayenti ukufinyelela nge uhlelo lwekhompyutha. Ukuze lolu hlobo lomsebenzi udinga ukuxhumana ebhange ngobuholi zobuchwepheshe bese ufake uhlelo. kude uhlelo yasebhange Ubuye abe negama lakhe lesibili - "iklayenti obukhulu." It is ihlanganiswe abavela kwamanye amazwe (yasebhange akude, ekhaya yasebhange). Uhlelo Akhethekile igcina ulwazi ikhasimende siqu nomlando zokukhokhelwa nebhange. On isixhumanisi ngabanye uhlelo iklayenti uxhuma ebhange. Ukuze operation okuqhubekayo, ikhasimende liyadingeka silondoloze uxhumano unomphela nge imodemu noma yolayini Inthanethi.

Inani elikhulu abasebenzisi "Bank-Client" Uhlelo ayekubona phakathi izinhlangano ezingokomthetho. Kalula msebenzi ukuthi kokuthola ulwazi, ukubonisa isimo samanje akhawunti bese kubulawa imisebenzi eminingi eyenziwa ukude.

Kahle simiso Ukubambisana mutual ngokuthi "Iklayenti-Bank" isetshenziswa amabhizinisi amaningi amakhulu. Uhlelo Banking sihlinzekela ukudalwa kwemibhalo yokukhokha kanye ithrekhi egcwele zonke ukunyakaza kwezimali ku-akhawunti.

"I-Internet-Client" uhlelo noma "iklayenti ukuzaca nakanjani"

Okwamanje, isevisi inthanethi services yasebhange akude esetshenziswa ezingaphezu kuka-50% yesizwe sonkana. Iningi amabhange Russian ususebenzisa lesi uhlelo. Cishe zonke ibhange website yayo siqu lapho ungafunda lonke ulwazi oludingekayo.

Uhlelo "I-Internet-Client" noma "Iklayenti Izacile" (Internet Banking, I-Web-Banking), aluhileli ukufakwa software olwengeziwe. Ukuze usebenze uhlelo ngokwanele ukuba ukufinyelela kwi-Inthanethi. Ku-akhawunti yakho siqu, iklayenti ngamunye uyakwazi ukubuka idatha ku-akhawunti abo, bathole izitatimende, ukukhokhela izinsiza, kanye akhiphe izicelo kulabo noma amanye amasevisi yasebhange.

Ukuze kube lula, ukudala inguqulo yeselula, ne lapho umsebenzisi ukwenza imisebenzi efanayo kusukela smartphone.

"Ifoni amaklayenti" uhlelo

Uhlobo elula, okubandakanya ibhange namasevisi akude - ukuhlinzeka kanye ngokucubungula ulwazi ngocingo. "Ifoni amaklayenti" kuhlanganisa ifoni-Banking ne-SMS-Banking.

Banking Services kusikisela ukuba khona isikhungo call, lapho ungakwazi uxhumane nomele ibhange.

Isikimu kusebenziswe futhi ukudluliswa has ongakhetha eziningana:

• iklayenti baxhumana opharetha;

• iklayenti ithola ulwazi usebenzisa imenyu izwi;

• ikhasimende ithola ulwazi nge-SMS-Banking;

Uhlu izinkonzo ezenziwa iklayenti, kunomkhawulo wemali: ocingweni ungakwazi kuphela ukuthola ulwazi kwenzalo ukwethula izinhlobo eziningana izicelo. Nokho, imisebenzi eyengeziwe imali noma ukudluliswa kwemali zidinga ukuhlonza nobukhona siqu.

amasevisi ATM-yasebhange futhi ukusetshenziswa imishini yasebhange

Omunye amaningi "ATM-yasebhange" RBS kunethiwekhi eRussia futhi wayebheka ukusetshenziswa kumadivayisi yasebhange - Lezi zihlanganisa inethiwekhi terminals ATM. Izinga kwezinhlangano ezivamile futhi liyabonakala ngenombolo amagatsha kanye ATM, Sberbank yombango namasevisi akude yasebhange lapho kubhekwa omunye amaningi.

Kutfutfukiswa RBS eRussia

Emazweni esiseduze phesheya RBS kuyinto izinyathelo ezimbalwa ephakeme kunaleyo eRussia. Okwamanje, ukuthuthukiswa amasevisi ebhenki kude kuyinto eqandisiwe ambalwa. Inkinga wukuthi akekho uhlelo yasebhange noma abantu awakulindele ukushintsha okuphawulekayo ezinjalo. Ukuze uthole isimo ambalwa engenamali wezimali ka ngokweqile uma utshala imali yemali kukhona akanangqondo. Inani elikhulu nemizana intula kwi-Inthanethi, ingasaphathwa ezingeni computer zisebenzisa Isizukulwane esidala.

Innovations ezifana isiqophi esikhulwini yasebhange noma esigcwele ukuba ibhange ku-intanethi, sizobona esikhathini esizayo esiseduze, ngaphandle eMoscow izikhungo ezinkulu lesifunda. Okwamanje, ukusetshenziswa izinhlelo e-yasebhange eRussia okuhloswe ngayo ukwenza ngcono ukuphepha kohlelo futhi sifinyelele ezingeni eliphakeme service.

nemibi RBS

Njengakwamanye amazwe, Russian yasebhange namasevisi akude has ethile eyodwa enkulu: uhlelo yezokuphepha. Ukudunwa nokweba imali kusuka akhawunti siqu anoma yimuphi umsebenzisi i uMklami abanolwazi kubhekwa inzuzo lula kakhulu. Naphezu kweqiniso lokuthi amabhange njalo ekuthuthukiseni inhlelo yamasu abo, kodwa kukhona lamasela ezingaba Hack phakathi yiluphi uhlelo nokuvikeleka.

Iphuzu eliyinhloko ukuthi ibhange izotshala imali eyanele ukuvikela idatha yabo kwabantu bangaphandle, kodwa ngesikhathi esifanayo, izimali amaklayenti 'bayahlaselwa. Lokhu kungenxa yokuthi ukuvikelwa uhlelo iklayenti iziteshi ukutshala ubuncane izindlela, ngoba lezi zindleko futhi bayasilela emahlombe iklayenti.