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Published byErica Lambert Modified over 9 years ago
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Electronic Banking Internet-banking in Hong Kong
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Flow Introduction E-banking of Hang Seng Bank Limited Security Game time Advantages and disadvantages Future suggestions
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Objective To find out why Internet–banking is growing attractive in Hong Kong To provide suggestions to improve the disadvantages or problems now
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Introduction Starting since 80’s Fast development since 1999
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Introduction
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Electronic banking Electronic fund transfer (EFT) Channels to introduce products and services Access checking accounts anytime at anywhere
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Electronic banking Electronic delivery channel Automated teller machine (ATM) Phone banking Internet banking
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Electronic banking Online services –daily banking service –investment –credit card –mortgage lending –personal credit –insurance service
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Electronic banking
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E-banking of Hang Seng Bank Limited Personal vs. business e-bank accounts 21.2% 32.1%
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E-banking of Hang Seng Bank Limited IPO subscriptions vs. securities trading 13.1% 5.8%
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Security Using the Hong Kong Smart ID card and USB key SMS-based one-time password (OTP) Token-based OTP
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Game time
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Advantages For the bank Reducing operation cost from branches Attract new customers Promote products and services internationally
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Advantages For the customers Convenience Timesaving
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Disadvantages Fraudulent website Stability of the network are easily affected Non-instantaneous query services
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Suggestions Audio assistance Satisfaction of customer backup services
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Suggestions E-mail OTP Limitation of internet banking
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Q & A
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