1. Electronic Banking Internet-banking in Hong Kong

2. Flow Introduction E-banking of Hang Seng Bank Limited Security Game time Advantages and disadvantages Future suggestions

3. Objective To find out why Internet–banking is growing attractive in Hong Kong To provide suggestions to improve the disadvantages or problems now

4. Introduction Starting since 80’s Fast development since 1999

5. Introduction

7. Electronic banking Electronic fund transfer (EFT) Channels to introduce products and services Access checking accounts anytime at anywhere

8. Electronic banking Electronic delivery channel Automated teller machine (ATM) Phone banking Internet banking

9. Electronic banking Online services –daily banking service –investment –credit card –mortgage lending –personal credit –insurance service

10. Electronic banking

11. E-banking of Hang Seng Bank Limited Personal vs. business e-bank accounts 21.2% 32.1%

12. E-banking of Hang Seng Bank Limited IPO subscriptions vs. securities trading 13.1% 5.8%

13. Security Using the Hong Kong Smart ID card and USB key SMS-based one-time password (OTP) Token-based OTP

14. Game time

15. Advantages For the bank Reducing operation cost from branches Attract new customers Promote products and services internationally

16. Advantages For the customers Convenience Timesaving

17. Disadvantages Fraudulent website Stability of the network are easily affected Non-instantaneous query services

18. Suggestions Audio assistance Satisfaction of customer backup services

19. Suggestions E-mail OTP Limitation of internet banking

20. Q & A