Although online banking is relatively safe, but there is no harm if we are to provide protection against identity, our asset investments and assets. As technological advances are growing more rapidly, then the crime rate will grow rapidly pula.Apalagi in the virtual world, different forms of crime will vary. Such as hacking email, to identity fraud. In online banking, is also not free from the threat of crime. Identity theft through a variety of end points counterfeiting is siphoned funds in the account is not a rare thing sounded. Some things can be done as a protection for your online banking is as follows: 1. Keep your ID and password good either. ID and password are the two main things that is key to your online banking. Do not let anyone know the ID and password that approximately anda.Pilihlah passoword people will not be able to figure it out. Do not use the date of the month and year of your birth, or date month and year of birth of children or your spouse because it would be easy to guess and be known. 2. Change password periodically. Replacement passwords regularly will minimize the risk in people with a software hack that key release is now freely circulating on the internet start a totally free, trial or paid a few days. 3. Do not forget to always log out after completion of the transaction and was about to leave your computer. 4. Use antivirus and firewall protection. 5. Beware email pishing. What is pishing? Shipping fake ID sent someone intent on evil as though the email originated from legitimate banks or institutions such request IDs, passwords, and other identities. Khusu for banks, bank officers will never ask for ID and password for any purpose. To obtain a new ID, must be reset or close your old account and then do re-registration.
Congratulations transact safely. Success always for you.
Thursday, July 28, 2011
Tuesday, July 19, 2011
Mobile Banking
Mobile Banking
Banks provide Mobile Banking (M-Banking) to satisfy your need for alternative media to conduct banking transactions, other than those available at branch offices and ATMs. With Mobile Banking, you no longer need to waste time queuing at the offices of the bank or ATM, as currently many banking transactions can be done anywhere and anytime with the easy and practical through handphone.Contohnya is the transfer of funds between accounts and between banks, payment bills, buying refill pulse, or a mutation and checking account balances.
M-Banking is the first step in the evolution of banks into financial service providers. In this concept, the bank functions not only as a place to store and distribute the money. As financial service providers, banks in the future serve its customers manage their finances. Including pay-pay bills, manage investment portfolios, to plan a retirement fund. Services even this is personal, tailored to the characteristics of its customers.
Financial Institutions Bank is a business entity that collects funds from the public in the form of savings and channel them back to the community in the form of loans or in other forms in order to improve the living standards of people. In this information age, financial institutions (banks) to provide services not only through conventional models but have switched to the utilization of information technology. It is no secret if the role of banks becomes the backbone of the nation's economy, and the creation of successful performance of banks is also not free from the telecommunications support. As in the journal Jonathan Donner, "Various initiatives use mobile phones to Provide financial services to" the unbanked. "These services take a variety of forms, including longdistance Remittances, micropayments, and informal bartering schemes airtime, and go by Various names, including mobile banking, mobile transfers, and mobile payments ". In addition to the cable communications system that is absolutely necessary, in fact wireless-based communication has given an important role for all walks of life. Not only to build an image bank, but mobile operators also feel how much potential that can be achieved from m-banking sector.
Symptoms of any current M-banking has been increasing day by day. Users who initially dominated by the businessman, now also has been widely used by young people. This shows that because of its use so that each circle can easily use the M-Banking. Mobile Banking (commonly known as M-Banking) is a term used to check balances, transactions, payments and so forth by means of mobile devices. (Vibiznews - Consumer Banking), One of the users of mobile banking is a consumer bank. Advantages of computer-based banking management system is very practical, easy and fast. The system is also very easy to use by many parties, both the administration, management, staff, and guests.
Mobile banking was first launched by StarHub in late 1995 and obtained responses also varied. The background of the emergence of m-banking is also caused by the banks that now want to gain the confidence of every client. And one way to do that is by the use of technology. The role of technology is growing rapidly, should be used carefully and appropriately. Various technologies provide breakthroughs that can be used by the bank in its efforts to constantly improve the quality of existing services. So that's where the banks are all over the world make a new innovation with the launch m-banking. For example in Indonesia, both government banks and private banks are racing to launch m-banking technology. MBanking process itself appears not only related to the bank, but the technology is also working with mobile operators. So it can be seen that m-banking offers many benefits for all people, good for banks, mobile operators and for the users of m-banking customers.
Tangible evidence that mobile banking is also scattered throughout the entire world that can be seen from the development of mobile banking in European countries especially Germany. "In Europe, mobile penetration rates are around 80% and Germany is the largest European mobile market with 50 million mobile users (Forrester, 2005b)". Besides the United States (according to the MMA, mobile marketing) is also one of the state of the users of M-Banking.
Mobile Banking, a mobile phone-based banking service or HP. As if cell phones can be an ATM machine, which can be used to transfer money, check balances and transfers, in addition to mobile banking services we can perform various types of financial transactions. But on mobile banking could not spend money.
M-Banking itself has a meaning that is a banking facility through mobile communications such as cellular phones. With the provision of facilities similar to ATM than taking cash. With the M-Banking, the banks tried to ease access to its customers in the transaction. With the M-Banking service, customers of banks that already have service funds certainly do not need to go to the ATM or bank office.
Almost all banks have provided facilities in the form of M-SIM Bankingnya tolkit (Menu Data Services) as well as plain text (sms manual) or commonly known as SMS banking.
Meaning of the term SMS banking is a service provided by the Bank using the SMS facility to conduct financial transactions and request financial information, such as check balances, transfer accounts and so on. M-Banking Excellence is accessible by all users of mobile phones with GSM type. With a wide range of GSM signal, M-Banking service would be so pamper its customers.
However, M-Banking Facility has several drawbacks including the access to the CDMA mobile phone users, not all CDMA operators have M-Banking service.
Usefulness, benefits and convenience that can be obtained from the use of mobile banking:
- Easy
M-banking is so easy, to do transactions we do not need to come directly to the bank, except when the register cell phone numbers, but it's not necessary to have special skills to use the m-banking.
- Practical
Every customer can directly transact banking through mobile phones at any time, anytime and anywhere.
- Safe
M-banking system is equipped with an automatic maximum protection has been programmed since registration. Then besides using a PIN that can be handpicked and phone numbers are registered, each transaction made will also be encrypted (scrambled) to ensure the security of each customer transaction. M-banking services is relatively safe for wearing a layered security system, ie, from telecommunications providers, as well as from the network of the banking system is concerned. So that customers do not have to worry about the use of m-banking.
- Use a friendly
It means that m-banking menu is designed in such a way that is easy to use by anyone. Customers can just choose the type of transaction from the menu that is already available, so no need to remember / memorize the transaction code you want done.
- Comfortable
Through m-banking, customers like having a personal ATM in the palm of the hand, for a variety of transactions that can be done at the ATM can be done through m-banking except for cash withdrawals.
Impacts arising from the use of mobile banking in particular (micro) the use of mobile banking can provide a positive impact for the bank itself, as well as customers and mobile operators. The impact of providing benefits, which the banks get more customers, but it won the trust of its customers. For its own customers, the customer gets better service from banks, due to the presence of mobile banking will further facilitate our customers in conducting financial transactions. For example customers who travel frequently can manage personal finances including credit card transactions as well as the diverse banking needs anywhere. Besides the implications for banks, customers and operators are still many positive impacts caused to others. According to industry data mobile telecommunications services, financial institutions will more aggressively inform product services over mobile telecommunications equipment. The products presented are information and financial transaction services, such as money transfers, bill payments, management accounting, and customer service.
Wireless Application Protocol (WAP) is the global standard developed for wireless network communications. WAP technology uses flat form and format are the same as accessing the Internet using a mobile phone. Websites built using WAP flat form can be easily viewed information via cell phone. Thus, the information will be easily viewed without the need to find an internet connection with computers. Websites that can diakes with WAP technology will have more advantages that can be easily accessed via mobile phone, but despite the many advantages offered, kekurangganya very striking is the limited view that is shown on the small screen due to monitor a cell phone in the mobile
Early emergence of WAP was started by research conducted by Ericson in 1995 to develop a common protocol called the Intelligent Terminal Transfer Protocol (ITTP) which allows for added value / service on mobile phones.
During 1996 and 1997, Motorola, Nokia and Unwired Planet (now Phone.Com) launched a similar concept. Unwired Planet introduced the Device Markup Language (HDML) and Handheld Device Transport Protocol (HDTP) similar to Hyper Text Markup Language (HTML) used on the world wide web (www). HDML is used to show the contents of the website or as a user interface and is very suitable for applications wirelees internet access with data transfer limit is very small. HDTP protocol can be considered similar to the HTTP protocol used on the Internet for access kepeluan wirelees on the client. In March 1997, Smart Messaging Nokia introduced the concept specifically designed for GSM. Where communication between the mobile phone with internet through Short Message Service (SMS) and the programming language called Tagged Text Markup Language (TTML) together with HDML. To make the same protocol, then all four of those companies agreed to set up a WAP forum which was held on June 26, 1997, which is regarded as the beginning date of birth of the Wireless Application Protocol WAP protocol.
Banks provide Mobile Banking (M-Banking) to satisfy your need for alternative media to conduct banking transactions, other than those available at branch offices and ATMs. With Mobile Banking, you no longer need to waste time queuing at the offices of the bank or ATM, as currently many banking transactions can be done anywhere and anytime with the easy and practical through handphone.Contohnya is the transfer of funds between accounts and between banks, payment bills, buying refill pulse, or a mutation and checking account balances.
M-Banking is the first step in the evolution of banks into financial service providers. In this concept, the bank functions not only as a place to store and distribute the money. As financial service providers, banks in the future serve its customers manage their finances. Including pay-pay bills, manage investment portfolios, to plan a retirement fund. Services even this is personal, tailored to the characteristics of its customers.
Financial Institutions Bank is a business entity that collects funds from the public in the form of savings and channel them back to the community in the form of loans or in other forms in order to improve the living standards of people. In this information age, financial institutions (banks) to provide services not only through conventional models but have switched to the utilization of information technology. It is no secret if the role of banks becomes the backbone of the nation's economy, and the creation of successful performance of banks is also not free from the telecommunications support. As in the journal Jonathan Donner, "Various initiatives use mobile phones to Provide financial services to" the unbanked. "These services take a variety of forms, including longdistance Remittances, micropayments, and informal bartering schemes airtime, and go by Various names, including mobile banking, mobile transfers, and mobile payments ". In addition to the cable communications system that is absolutely necessary, in fact wireless-based communication has given an important role for all walks of life. Not only to build an image bank, but mobile operators also feel how much potential that can be achieved from m-banking sector.
Symptoms of any current M-banking has been increasing day by day. Users who initially dominated by the businessman, now also has been widely used by young people. This shows that because of its use so that each circle can easily use the M-Banking. Mobile Banking (commonly known as M-Banking) is a term used to check balances, transactions, payments and so forth by means of mobile devices. (Vibiznews - Consumer Banking), One of the users of mobile banking is a consumer bank. Advantages of computer-based banking management system is very practical, easy and fast. The system is also very easy to use by many parties, both the administration, management, staff, and guests.
Mobile banking was first launched by StarHub in late 1995 and obtained responses also varied. The background of the emergence of m-banking is also caused by the banks that now want to gain the confidence of every client. And one way to do that is by the use of technology. The role of technology is growing rapidly, should be used carefully and appropriately. Various technologies provide breakthroughs that can be used by the bank in its efforts to constantly improve the quality of existing services. So that's where the banks are all over the world make a new innovation with the launch m-banking. For example in Indonesia, both government banks and private banks are racing to launch m-banking technology. MBanking process itself appears not only related to the bank, but the technology is also working with mobile operators. So it can be seen that m-banking offers many benefits for all people, good for banks, mobile operators and for the users of m-banking customers.
Tangible evidence that mobile banking is also scattered throughout the entire world that can be seen from the development of mobile banking in European countries especially Germany. "In Europe, mobile penetration rates are around 80% and Germany is the largest European mobile market with 50 million mobile users (Forrester, 2005b)". Besides the United States (according to the MMA, mobile marketing) is also one of the state of the users of M-Banking.
Mobile Banking, a mobile phone-based banking service or HP. As if cell phones can be an ATM machine, which can be used to transfer money, check balances and transfers, in addition to mobile banking services we can perform various types of financial transactions. But on mobile banking could not spend money.
M-Banking itself has a meaning that is a banking facility through mobile communications such as cellular phones. With the provision of facilities similar to ATM than taking cash. With the M-Banking, the banks tried to ease access to its customers in the transaction. With the M-Banking service, customers of banks that already have service funds certainly do not need to go to the ATM or bank office.
Almost all banks have provided facilities in the form of M-SIM Bankingnya tolkit (Menu Data Services) as well as plain text (sms manual) or commonly known as SMS banking.
Meaning of the term SMS banking is a service provided by the Bank using the SMS facility to conduct financial transactions and request financial information, such as check balances, transfer accounts and so on. M-Banking Excellence is accessible by all users of mobile phones with GSM type. With a wide range of GSM signal, M-Banking service would be so pamper its customers.
However, M-Banking Facility has several drawbacks including the access to the CDMA mobile phone users, not all CDMA operators have M-Banking service.
Usefulness, benefits and convenience that can be obtained from the use of mobile banking:
- Easy
M-banking is so easy, to do transactions we do not need to come directly to the bank, except when the register cell phone numbers, but it's not necessary to have special skills to use the m-banking.
- Practical
Every customer can directly transact banking through mobile phones at any time, anytime and anywhere.
- Safe
M-banking system is equipped with an automatic maximum protection has been programmed since registration. Then besides using a PIN that can be handpicked and phone numbers are registered, each transaction made will also be encrypted (scrambled) to ensure the security of each customer transaction. M-banking services is relatively safe for wearing a layered security system, ie, from telecommunications providers, as well as from the network of the banking system is concerned. So that customers do not have to worry about the use of m-banking.
- Use a friendly
It means that m-banking menu is designed in such a way that is easy to use by anyone. Customers can just choose the type of transaction from the menu that is already available, so no need to remember / memorize the transaction code you want done.
- Comfortable
Through m-banking, customers like having a personal ATM in the palm of the hand, for a variety of transactions that can be done at the ATM can be done through m-banking except for cash withdrawals.
Impacts arising from the use of mobile banking in particular (micro) the use of mobile banking can provide a positive impact for the bank itself, as well as customers and mobile operators. The impact of providing benefits, which the banks get more customers, but it won the trust of its customers. For its own customers, the customer gets better service from banks, due to the presence of mobile banking will further facilitate our customers in conducting financial transactions. For example customers who travel frequently can manage personal finances including credit card transactions as well as the diverse banking needs anywhere. Besides the implications for banks, customers and operators are still many positive impacts caused to others. According to industry data mobile telecommunications services, financial institutions will more aggressively inform product services over mobile telecommunications equipment. The products presented are information and financial transaction services, such as money transfers, bill payments, management accounting, and customer service.
Wireless Application Protocol (WAP) is the global standard developed for wireless network communications. WAP technology uses flat form and format are the same as accessing the Internet using a mobile phone. Websites built using WAP flat form can be easily viewed information via cell phone. Thus, the information will be easily viewed without the need to find an internet connection with computers. Websites that can diakes with WAP technology will have more advantages that can be easily accessed via mobile phone, but despite the many advantages offered, kekurangganya very striking is the limited view that is shown on the small screen due to monitor a cell phone in the mobile
Early emergence of WAP was started by research conducted by Ericson in 1995 to develop a common protocol called the Intelligent Terminal Transfer Protocol (ITTP) which allows for added value / service on mobile phones.
During 1996 and 1997, Motorola, Nokia and Unwired Planet (now Phone.Com) launched a similar concept. Unwired Planet introduced the Device Markup Language (HDML) and Handheld Device Transport Protocol (HDTP) similar to Hyper Text Markup Language (HTML) used on the world wide web (www). HDML is used to show the contents of the website or as a user interface and is very suitable for applications wirelees internet access with data transfer limit is very small. HDTP protocol can be considered similar to the HTTP protocol used on the Internet for access kepeluan wirelees on the client. In March 1997, Smart Messaging Nokia introduced the concept specifically designed for GSM. Where communication between the mobile phone with internet through Short Message Service (SMS) and the programming language called Tagged Text Markup Language (TTML) together with HDML. To make the same protocol, then all four of those companies agreed to set up a WAP forum which was held on June 26, 1997, which is regarded as the beginning date of birth of the Wireless Application Protocol WAP protocol.
Friday, July 15, 2011
Overview of Mobile Banking
Mobile banking is used as a means to perform banking activities such as balance information, account information (such as seeing a book), tranfers of funds and payments.
Examples of services provided on internet banking through mobile phones are:
*Transfer Funds
Transfers between Accounts
Domestic interbank transfers
Scheduled Transfer List
*Payment
Telkom & CDMA Phones
GSM phone
Internet
cable TV
credit card
electricity
installment
insurance
education
Airlines
Autodebit
Other
Examples of services provided on internet banking through mobile phones are:
*Transfer Funds
Transfers between Accounts
Domestic interbank transfers
Scheduled Transfer List
*Payment
Telkom & CDMA Phones
GSM phone
Internet
cable TV
credit card
electricity
installment
insurance
education
Airlines
Autodebit
Other
*Purchase
Pulse CDMA Phones
Toll Phone GSM
ticket
Placement of Deposits
*Account Information & Credit Card
Savings Accounts & GIRO
Outstanding Balance
Transaction history
Account list
Deposit account
Loan Account
Visa Card Information
*Facilities Services
Status Check
SMS Notification Service
Interest Rate Information
information Exchange
Status Check
SMS Notification Service
Interest Rate Information
information Exchange
Mobile banking service is quite safe because, as the system works as follows:
For transactions that are merely informative (no reduction in balances) then we simply use a password to enter. But for transactions that are moving / reducing the balance we are asked to enter a pin which is produced by a small tool sperti calculators commonly called tokens or pins. This tool will issue a series of numbers (usually 6 digits) that are only identical to our account. So no other tokens may be used on our account.
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