System Information of E-Banking
A. Definition of E-Banking
What is e-banking? E-banking is defined as the automated delivery of bank services and products directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable bank customers, whether individuals or businesses, to access accounts, transact business, or obtain information bank products and services through private or public network, including the Internet. Customers can access e-banking through smart electronic devices such as computers/PCs, PDAs, ATMs, or telephone.
Specifics of the E-Banking which have been applied by banks in Indonesia
1. ATM, Automated Teller Machine or Automatic Teller Machine, this is the channel most popular e-Banking as we know it. Each of us must have an ATM card and use the ATM facility. Traditional features of ATM is to find balance information and make cash withdrawals. During its development, which features increasingly possible to do inter-account transfers, payment (eg credit cards, electricity, and telephone), purchases (al voucher and ticket), and the current transfer to another bank (in the ATM switching network).
2. Phone Banking, this is a channel that allows customers to perform transactions with the bank via telephone.
3. Internet Banking, this includes the latest e-Banking channels that allow customers to make transactions via the internet using a computer / PC or PDA. Transaction feature to do the same with the information Phone Banking services / products the bank, account balance information, transaction transfer between accounts, payment (eg credit cards, electricity, and telephone), purchases (al voucher and ticket), and transfers to other banks .
4. SMS / m-Banking, the channel is essentially a further evolution of phone banking, which allows customers to transact via mobile phone by SMS command. Feature to do the transaction account balance information, transfer between accounts, payments (eg credit cards, electricity, and telephone), and purchase vouchers.
B. Types of E-Banking Technology
1) Automated Teller Machine (ATM). Electronic terminals provided financial institutions or other companies which allow customers to make cash withdrawals from savings accounts at the bank, make deposits, check balances, or transfer of funds.
2) Computer Banking. Service bank that can be accessed by customers via an Internet connection to central bank data, to perform some banking services, receive and pay bills, and others.
3) Debit (or check) Card. Card is used at an ATM or terminal point-of-sale (POS) which allow the customer to obtain funds directly debited (taken) from his bank account.
4) Direct Deposit. One form of payments made by the organization (eg an employer or a government agency) that pays a sum of money (eg salary or pension) through electronic transfer. Funds are transferred directly to each customer's account.
5) Direct Payment (also electronic bill payment). One form of payment that allows customers to pay bills via electronic funds transfer.
6) Electronic Bill Presentment and Payment (EBPP). Bill payment form delivered or disclosed to clients or customers online, such as through email or a note in the bank account.
7) Electronic Check Conversion. The process of converting the information contained in the checks (account number, transaction number, etc.) to the electronic format in order to do electronic funds transfer or further processing.
8) Electronic Fund Transfer (EFT). Transfer of "money" or "borrowing" from one account to another through electronic media.
9) Payroll Card. One type of "stored-value card" issued by the employer in lieu of a check which allows employees to access the terminal pembayaraannya ATM or Point of Sales.
10) preauthorized debit (or automatic bill payment). Forms of payment that allows the customer to authorize routine payments automatically taken from their bank account on the date-specific and usually with a certain amount of payment (eg, payment of electricity, telephone bills, etc.).
11) Prepaid Card. One type of Stored-Value Card that stores monetary value in it and before the customer has paid the value to the card issuer.
12) Smart Card. One type of stored-value card that is embedded in them one or more chips or microprocessors that can store data, perform calculations, or do the process for specific purposes (eg PIN validation, authorization of purchases, verify account balances, and store personal data).
13) Stored-Value Card. Card with saved some monetary value, which is filled by the previous payment by the customer or through savings provided by the employer or any other company.
C. Benefits of E-Banking
Electronic banking (e-banking) is an activity that combines banking services between information systems and technology, e-banking include phone banking, mobile banking, and internet banking. Use functions similar to an ATM machine where the ingredients are different, a customer can do an activity check account balances, transfer funds between accounts or between banks, to the payment of monthly bills such as electricity, telephone, credit card, etc.. By utilizing e-banking are many advantages to be gained customers especially when seen from the amount of time and energy can be saved because of e-banking is obviously free queue and can be done from anywhere along the support means customers have to do is e-banking services.
D. Security In Using E-Banking Facility
How Viruses and Phishing used to defeat security tokens. How do I submit confidential digital documents quickly, safely and practically to the email address of a friend or business colleague. If the file in compress (zip) and given a password or MS Office documents in the given password and relatively easily opened by an unauthorized person with opening tools password (password cracker) that is widely available on the internet (like http://www.astalavista underground.com). By using a brute force dictionary attack or just a matter of time the password will be found. Password Recovery Tools are often misused to open a file that someone else dipassword.
Cost of Service
This is one example of the costs of information systems services through internet banking payments independent.
Regarding the Service Fees: Payment Internet Banking Mandiri
Step 1: Select the payment Else
Step 2: Select the From Account, Service Provider, and enter No. Finpay. Then click Continue
Step 3: Raised number of bills,
then click Continue
Step 4: Enter the Code Challenge
Token Mandiri Mandiri and enter the PIN on the token issued to Internet
Banking, then click Submit
Step 5: Successful Payment, please
print and proof of payment
Souce:
www.wikipedia.com
www.google.com