Basic concepts:Referring to electronic banking, some people face: "listen find difficult; Maybe it's just for a population, rather than the technology popular... " The fact proves that this is a fallacious concept, which is a public review of the who "dare" to try. Not that that in two, three years, electronic bank gained the interest of consumers and predicted would become common trends of the modern transaction the next time.Thanks to the support of technology, the Bank is stepping up a long step in the history of củam development. The Bank has come closer to consumers thanks to the Internet or telecommunications network. Now that the exchange of information between the client and the Bank is simplified through a mouse click or keyboard device.Electronic banking can help you do? You can make the transfer in and out of the system, billing, service, recharge your phone, send save online; buying and selling through networks and a range of other services.The development of EbankingAlong with the development of electronic commerce, electronic banking has been the important step. However, due to it's too new and by the customer not really care so much to these services, the commercial banks are still cautious and dè Strasbourg when launching new products and services. Specifically, for PC-banking services, the market only a few commercial banks to provide banking services in the home "home-banking". Besides, to cater for the payment system for the EC, VASC built payment gateway VASC Payment to as the basis for the system of payment through the Internet and the digital certificate management system-VASC CA (Certificate Authority), to provide the electronic signature and electronic certificate to do the legal basis for electronic transactions , create confidence for clients and service providers, is the backbone for e-commerce development in the coming time. Pros cons, the direction of development1. Pros: -On the client side: the biggest advantage of electronic banking services for clients is the comfort and always ready of banking services. Now, customers need only send a message at midnight instead of having to ask permission, boss out in hours of work just to pay the phone for my wife is a distinct advantage of electronic banking. Customers can access to electronic banking anywhere, anytime. Besides, the electronic banking service with modern technology saves time and reduces costs for customer service. In addition, customers are banking service with the most sizzling information such as fluctuating exchange rates, check the partner's financial information. And Furthermore, with the standardized standard, customers are served and precisely instead of having to depend on the different service attitude of the Bank staff. -To the Bank: The Bank be automate not only bring benefits for the customer but also bring practical benefits to the Bank. Through the new service, new distribution channels, the Bank may expand the client objects, grow market share, reduce costs, attract capital mobilization from the deposit paid by the customer, increase profit ... Besides, application and development of the modern banking technology also helps banks keep innovation integration and development, not only in domestic markets but also towards foreign markets. 2. Disadvantages: -The quality of the electronic banking services did not yet satisfy customers in the higher levels as sending cash into your account, the registration to use the services ... have to come directly to transactions at the Bank branch, or the electronic banking services of higher quality are developed as investment fund management services , real estate services, leasing ... -Creaky infrastructures such as network quality, speed of transmission, technical error or non terminals ensure quality leads to quality of service yet. Besides, the electronic banking systems of the Bank also developed relatively independently, yet have the coordination, the contact information necessary to promote the highest effectiveness of this new service. -Electronic banking transaction depends heavily on evidence from traditional hosting, electronic goods can not all transaction documents. In addition, the use of electronic signatures, electronic certification is not yet widely available and have shown to be the advantage compared to conventional signatures. -Besides, new risks such as hackers (hackers), a computer virus can have enormous harm not only for banks but also for customers, causing distrust of clients for banking services. Trong tương lai, với trình độ và tốc độ hiện đại hoá công nghệ ngân hàng như hiện nay, các ngân hàng Việt Nam đang nỗ lực ứng dụng công nghệ mới, phát triển dịch vụ mới để tăng sức cạnh tranh, nhanh chóng hoà nhập với khu vực và thế giới. Từ những webpage giới thiệu dịch vụ ngân hàng (Giai đoạn Brochure-ware), tới website cung cấp dịch vụ ngân hàng (Giai đoạn E-commerce), các ngân hàng Việt Nam đang hướng tới việc cung cấp những dịch vụ ở cấp độ cao hơn, tăng sự chia sẻ thông tin giữa các ngân hàng, đối tác (Giai đoạn E-business) và tiến tới xây dựng mô hình ngân hàng điện tử (E-bank hay E-enterprise) thực sự , tận dụng được sức mạnh thực sự của mạng toàn cầu và cá nhân hoá dịch vụ ngân hàng cho từng đối tượng khách hàng chuyên biệt.
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