网范文：“Technology in Banking Industry ” 由于技术和自动化的出现，在银行系统有了新的趋势。这篇金融范文概述了电子银行的组成部分，科技的进步和信息技术的飞速发展，对促进服务行业的发展起到了重要影响。电子银行是给银行的竞争优势，网上电子银行、手机银行和网上银行是其中之例，电话银行是银行和金融机构通过电话来进行服务,帮助到客户。当然，除了这三种，英语论文，英语论文范文，还有自动取款机，信用卡和借记卡和短信银行，这些都是电子银行的组成部分，消费者可以经营他们的银行账户在任何地方和任何时间，通过个人电脑和互联网进行连接。
The Banking sector in India has experienced a rapid transformation. Due to the advent of technology and automation there is a new trend in the banking system. The advancement in technology and introduction of information technology played a significant role in improving the services in the industry.
Electronic banking is giving competitive advantage to the banks. Online electronics banking, mobile banking and internet banking are just a few examples.
1. Tele banking:
Telephone banking is a service provided by a banks and financial institution where customer performs their transaction, over the telephone. Banking carried out over computer network is called telephone banking.
It represents conducting financial transactions using computer and a telephone. Banking carried out over computer network is called as Tele banking. Most telephone banking services use an automated phone answering system. This technology facilitates to call the bank and give order to a bank computer for carrying out of operation under your account.
2. Automated Teller Machine:
An automated teller machine is a computerized device that provides access for financial transaction in a public place. The customer can have access to his bank account to make cash withdrawals and check balances. Apart from these functions ATM facilitates to transfer money from one account to another and can request for a cheque book.
3. SMS banking:
SMS banking is a technology-enabled service offered by banks to its customers. They permit the customers to operate banking services over mobile phones using SMS messages. SMS banking is more advantageous than Internet banking because people carry mobile phones everywhere. SMS banking reduces the distances between banks and the customers.
4. Debit cards:
A Debit card is a plastic card with a magnetic strip that can be used by a consumer as a means of payment. Unlike a credit card, there is no line of credit; the debit card is linked to the account.
Funds charged to a debit card are directly deducted from the bank account it is associated with. It is card that provides an alternative payment method to cash for making purchases. It can also be called as electronic cheque.
5. Credit card:
Credit card is a plastic card with a magnetic strip authorised to purchase upto a predetermined amount i.e. a credit limit. Banks issue it to their customers to enable them to purchase on credit. These cards store the information relating to customers account.
6. Internet Banking:
Internet banking means conducting financial transaction through a website. Internet banking is also known as online banking. In Internet banking consumers have an access to their account through a server.
Internet banking is also known as virtual, cyber, net, interactive, or web banking. It provides various services like online trading, online bill payment, shop online etc. Rapid growth in the number of Internet connection and user has opened up a large market for internet banking. Consumer can operate their bank account from anywhere in the world from any personal computer at any time with an internet connection.()
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