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Electronic Banking

Electronic Banking. Internet-banking in Hong Kong. Flow. Introduction E-banking of Hang Seng Bank Limited Security Game time Advantages and disadvantages Future suggestions. Objective. To find out why Internet–banking is growing attractive in Hong Kong

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Electronic Banking

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  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

  6. 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

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