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#YA SUDAHLAH 4SHARED SOFTWARE#

Self-inquiry facility: Instead of customers lining up or going to the help desk, banks have provided simple self inquiry systems on all branches.

Then with ‘’Smart Cards’’ like visa electron, a customer can pay for any thing using that card and that money is deducted from their bank accounts automatically, they can also use the same card to deposit or withdraw money from their accounts using an ATM machine. In this case, they don’t have to go through the hassle of borrowing small money. With a credit card, a customer can borrow a specific amount of money from the bank to purchase any thing and the bank bills them later.

Plastic money: Credit cards or smart cards like ‘ ’ VISA ELECTRON’’ have made the banking industry more flexible than before.This money can be withdrawn at any time any were in that area and they can also receive or send money using the same system. They can then deposit money on that account via a near by mobile money operating center. In this case a user in a rural area will have an account with a mobile company which is opened for free. For example: In Africa, they have introduced Mobile money banking facilities. RURAL Banking: Unlike in the past when banking was centralized in urban areas, now day’s technology has made it simple to set up banking facilities in rural areas.So technology has made it simple for them to send money to their loved ones easily. Since many people go abroad to work, they have a need of supporting their families. NRI Banking Services: This technology has been embraced in countries like India, USA, UAE, just to mention but a few.So the client on the other end will be in position to read the information clearly.

#YA SUDAHLAH 4SHARED SOFTWARE#

Another technology used by banks to exchange data between the bank and clients is called Electronic Date Interchange (EDI) this software can be used to transmit business transaction in a computer-readable form. To make the system user friendly to all clients, banks have used a Graphical User Interface (GUI), with this software, customers can access their bank details on their own computers, make money transfers from one account to another, print bank statements and inquire about their financial transactions.

E-banking: This enables the bank to deliver its services easily to its high end customers.

Below I have listed some of the roles of technology in the banking industry.

However this technology comes at a cost, implementing all this technology has been expensive but the rewards are limitless. And it is now changing the way how banks are delivering services to their customers. Technology has changed the accounting and management system of all banks. Unlike before, broadband internet is cheap and it makes the transfer of data easy and first. Emerging technologies have changed the banking industry from paper and branch based banks to ”digitized and networked banking services. The banking sector has embraced the use of technology to serve its client’s faster and also to do more with less.