What is Online Banking? These are the features and advantages
Currently, the emergence of online banks in Indonesia is growing with various products or services being offered, and quite a few online banks are also presenting various attractive offers to attract the attention of new customers. Using online banks or digital banks is the choice of most people amidst today's fast-paced needs.
What is Online Banking?
The terms online bank and digital bank are often interpreted as the same, even though the meanings are different. According to the official website of the Indonesian Stock Exchange (BEI), online banking is a banking activity service that uses electronic facilities belonging to the bank concerned to carry out various applicable transactions. In this case, online banking can be interpreted as electronic-based banking transactions. At online banks, there are several services or products offered, such as internet banking, OCTO Pay, mobile banking, and so on.
Meanwhile, according to the Financial Services Authority (OJK), in the Guide to the Implementation of Digital Branches by Commercial Banks, it is explained that digital banking or digital banking is a banking service or activity that uses electronic or digital facilities owned by the bank, and/or through digital media owned by the customer which is carried out independently. . Digital banks enable customers to obtain information, communicate, register, open accounts, banking transactions and close accounts, including obtaining other information and transactions outside banking products.
Online Bank Features and Services
The following are several products and services that are generally available at online banks, including:
Internet banking
According to the Financial Services Authority (OJK), internet banking is a banking facility that can be enjoyed by bank customers to carry out transactions via the internet network anytime and anywhere. With the presence of this online banking service, it becomes more practical for customers to carry out transactions because they no longer need to carry and count cash conventionally. This service is also considered safe because it uses a PIN or secret code.
Apart from that, the presence of internet banking also makes it easier for non-financial transactions (balance information, account mutations, etc.) and financial transactions (savings, transfers between accounts or banks, bill payments, etc.) without having to come to a bank branch office. concerned. Customers only need to use a smartphone with adequate access to carry out transactions.
Apart from that, the Indonesian Stock Exchange (BEI) also explained that there are at least several features that are usually offered by online banks, especially internet banking services, including:
Account and credit card information which includes balance information, transaction history, and a list of accounts, including checking accounts, deposits, term savings, etc. Customers can also usually see exchange rate information on this service.
Transfer funds, either between bank accounts or between other banks.
Payments, whether for making payments for telephone bills, credit cards, electricity, insurance, and e-commerce.
E-mail notification for every transaction.
Video banking
Services at online banks are usually provided by the bank, namely video banking. This service gives customers a new experience in interacting with the relevant video banking officer virtually. Later the bank officer can serve and/or assist with financial transactions or even complaints regarding your banking transactions.
By using this online banking service, you can find out information about the bank's products and services, transfer money, pay bills, purchase top-up vouchers, and so on.
Mobile banking
The Financial Services Authority (OJK) explains that mobile banking is a type of banking transaction via smartphone, either in the form of an m-banking application or a mobile operator's default application. Just like internet banking, this online banking service is quite practical for customers to use because there is no need to bother carrying and counting cash when making transactions such as transfers.
Mobile banking services are also quite safe because customers can only access the application after filling in the appropriate access code and PIN or password. That way, customers can more easily carry out non-financial transactions and financial transactions without having to come to the target bank branch office.
EDC Machine
Electronic Data Capture or better known by the abbreviation EDC is an electronic device or machine that can be used to make cashless payments. EDC machines are issued by banks and can be connected to banking servers. With the EDC machine, customers don't need to bring cash to pay for something. Apart from that, customers also don't need to withdraw cash first at an ATM machine. Customers simply swipe or insert their card into the EDC machine to make payments.
Advantages of Online Banking
It cannot be denied that online banking services make it very easy for you to carry out various transactions via smartphone. Apart from this convenience, there are several other advantages of online banking services, including:
More efficient
With online banking services, customers and the bank both experience more efficient benefits. Customers do not need to visit the relevant bank branch office because they only need to make transactions from their smartphone, transactions can be done anytime and anywhere, of course with an adequate internet network. That way, you can carry out all kinds of transactions, both financial and non-financial, more effectively and efficiently. The bank also benefits because it can invest funds for technology development.
Security guaranteed
Most online banking services apply appropriate access codes and PIN/passwords to ensure security is maintained. Make sure you do not share the access code and PIN with other people. If your smartphone suddenly disappears, you can also immediately call customer service from the bank concerned to block online banking services on the smartphone.
There are various attractive features and offers
Usually online banking services present various attractive features and offers for customers. This attractive offer includes discounts, cashback, reward points, and so on. That way, it is also easier and more interesting for customers to carry out practical transactions through online banking.
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