Banki kutali yokonza - ntchito ndi chitukuko

Cholinga chachikulu cha aliyense banki ndi azipeza phindu lalikulu. Zotsatira mulingo woyenera, m'pofunika kukopa ndi kusunga makasitomala ambiri. Nawonso kasitomala mwa akonzedwa lonse a mabanki kusankha njira womasuka kwambiri. Imodzi mwa muyezo zofunika kwa kusankha njira zamakono. kukonza Akutali zili m'gulu la ntchito mndandanda 80% a mabanki Russian. Nkhaniyi adzayang'ana pa zimene kumidzi dongosolo banki ndipo kodi malangizo a chitukuko.

Lingaliro la RBS

Banki kutali yokonza - luso anayamba mwachindunji ntchito kutali ndi banki. DBS ikukhudza mabuku makasitomala kubanki popanda kukhalapo munthu.

dongosolo DBS wachita kale ntchito ku Ulaya ndi ku United States. Mu Russia, dongosolo umu Integrated ndithu posachedwapa. Komabe, chaka chilichonse pali khola Kukula kwa RBS. Chaka ambiri makasitomala mwakhama ntchito banki pafupifupi.

Mfundo yaikulu ya utumiki banki kutali imakhala chakuti ambiri wotuluka banki - kulipira ngongole, kulandira mawu nkhani, ofunsira kalembera, kulembetsa zolembedwa malipiro, etc. - angathe kuchitidwa mu mode makalata, popanda kukhalapo munthu.

Banki Akutali Services monga:

• "Bank-kasitomala".

• "Internet-zikufuna".

• System "Phone-kasitomala".

• ntchito ATM-banki ndi kugwiritsa ntchito zipangizo kubanki.

Dongosolo la "banki kasitomala" kapena "mafuta kasitomala"

Kachitidwe ntchito mu mwayi kutali kasitomala kudzera pa kompyuta. Mtundu wa ntchito muyenera funsani banki utsogoleri sayansi ndi kukhazikitsa dongosolo. akumidzi dongosolo banki alinso ndi dzina chachiwiri - "wandiweyani kasitomala". Iwo Integrated ochokera m'mayiko (kutali banki, kunyumba banki). pulogalamu apadera amasunga munthu kasitomala mfundo ndi mbiri za wotuluka ndi banki. Pa mgwirizano munthu pulogalamu kasitomala zikugwirizana ku banki. Ntchito mosalekeza, makasitomala chofunika kukhalabe kulumikiza okhazikika kudzera ndi modemu kapena landline Internet.

Chiwerengero chachikulu kwambiri cha okonda "Bank-zikufuna" dongosolo zimawonedwa mwa mabungwe alamulo. Chomasuka ntchito ndi kuti chiphaso cha nkhani kuonetsera udindo panopa nkhani ndiponso kupereka ntchito ambiri anachita chosonyeza.

Chabwino-ukugwirira ntchito dongosolo la mgwirizano mwagwirizana amatchedwa "zikufuna-Bank" ntchito ndi makampani yambiri. Banki pulogalamu amapereka kwa chilengedwe cha zikalata malipiro ndi njanji zonse za magulu onse a ndalama mu nkhani.

"Internet-zikufuna" dongosolo kapena "woonda kasitomala"

Pa nthawi, Intaneti utumiki wa ntchito ya kutali banki ntchito ndi oposa 50% ya anthu. Ambiri a mabanki Russian kale ntchito dzikoli. Pafupifupi banki ali webusaiti yake kumene mungaphunzire zonse zofunika.

Dongosolo la "Internet-zikufuna" kapena "Pamtendere zikufuna" (Internet banki Web-banki), siyikhuzana unsembe mapulogalamu zina. Ntchito dongosolo zokwanira ndi Intaneti. Mu nkhani yanu Aliyense kasitomala amatha kuona deta nkhani zawo, kulandira mawu, kulipira misonkhano, komanso kudzapereka ntchito kwa anthu kapena zinthu zina kubanki.

Pakuti mayiko, kulenga Baibulo mafoni, chimene wosuta tikhoza kuchita ntchito yomweyo kuchokera yamakono ya.

"Phone-kasitomala" dongosolo

Mtundu losavuta, imene imakhudza banki utumiki kutali - ikupereka ndi processing mudziwe pafoni. "Phone-kasitomala" zikuphatikizapo foni-banki ndi SMS-kubanki.

Banki ntchito kumapereka lingaliro la kukhalapo malo foni, kumene inu mungapezeke nthumwi banki.

Chiwembu processing ndi HIV ali zingapo zimene mungachite:

• kasitomala amalankhulira ndi woyendetsa ya;

• kasitomala amalandira mauthenga pogwiritsa ntchito menyu mawu;

• kasitomala amalandira mauthenga kudzera SMS-banki;

Mndandanda wa utumiki umene kasitomala, okha: pa foni inu mukhoza kulandira mauthenga chidwi ndi kuyambitsa mitundu yambiri ya ofunsira. Komabe, ntchito zina ndalama kapena ndalama kuchokera amafuna chizindikiritso ndi kukhalapo munthu.

ntchito ATM-banki ndi ntchito zida banki

Chimodzi mwa otukuka "ATM-banki" RBS Network mu Russia ndi ankaona kuti kugwiritsa ntchito zipangizo banki - Zikuphatikizapo zopezera malo ndi ATMs. Mlingo wa mabungwe ambiri ndi kuzindikira ndi nambala ya nthambi ndi ATMs, Sberbank akugwirizira, kutali banki utumiki umene chimodzi cha ambiri otukuka.

Development wa RBS ku Russia

M'maiko a pafupi kunja RBS ndi mapazi angapo kuposa mu Russia. Pa nthawi, kukula kwa ntchito kutali banki ndi ochepa mazira. vuto ndi kuti palibe dongosolo banki kapena anthu sali okonzekera kusintha kwambiri. Ochepa mavuto aakulu a zachuma a ndalama kwambiri ndalama ndi wodzikweza. A ambiri midzi alibe Intaneti, osanenapo mlingo wa kompyuta ntchito Achikulire.

Zaluso monga kanema kuchokera kwa kapitawo wa banki kapena kusintha chathunthu banki online, tiona posachedwapa, kupatula mu Moscow ndi matawuni akuluakulu dera. Pa nthawi, ntchito machitidwe e-banki mu Russia umalimbana patsogolo zoteteza ndi kukwaniritsa apamwamba mlingo wa utumiki.

kuipa RBS

M'mayiko ena, Russian banki utumiki kutali ali yaikulu drawback: zotetezera. Hijacking ndi kuba ndalama pa nkhani patokha wosuta aliyense kwa mapulogalamu odziwa imatengedwa phindu n'zosavuta. Ngakhale kuti mabanki ndi zonse kuwongolera kachitidwe kawo, koma pali akuba kuti akhoza kuthyolako mu dongosolo lililonse lachitetezo.

Mfundo yofunika ndi banki ndi pakuika ndalama zokwanira kuteteza deta awo kwa adani, koma pa nthawi yomweyo, ndalama makasitomala 'pankhondo. Ichi ndi chifukwa chakuti chitetezo cha dongosolo kasitomala wa njira kuti aganyali osachepera njira, chifukwa ndalama izi ndi kugwa pa mapewa a kasitomala.