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Analіz bankіvskoї dіyalnostі - Gerasimov AM

9.3.6. Analіz netraditsіynih operatsіy s distantsіynogo obslugovuvannya klієntіv

Suchasnі Sistemi distantsіynogo obslugovuvannya klієntіv give zmogu quickly for Relief vikoristannya traditsіynih zasobіv zv'yazku oderzhuvati neobhіdnu for klієnta іnformatsіyu i zdіysnyuvati number operatsії s bankіvskimi іnstrumentami directly abo budinku s ofіsu (dovіdki obsession about exchange rates, information The mill rahunkіv klієnta, conducted for platezhіv rahunkami klієnta, blokuvannya kartrahunka). Especially for zruchnim klієnta Je vikoristannya pid hour robots traditsіynih zasobіv zv'yazku - telefonіv, mobіlnih telefonіv MEREZHI Іnternet abo scho not potrebuє nayavnostі spetsіalno obladnanih іnformatsіynih systems aparatno-i software kompleksіv.

Іnternet-bankіng - System upravlіnnya rahunkom through trammel Іnternet. Sistemi Іnternet-bankіngu give zmogu:

• at whether yaky hour oderzhuvati vipiski s іnformatsієyu about platezhі, provedenі for Relief platіzhnih cards;
• oderzhuvati operational іnformatsіyu about threading mill-rahunka cards;
• samostіyno postaviti card in stop-list at vipadku її vtrati / kradіzhki;
• vikonuvati platezhі s stream rahunka;
• vikonuvati platezhі s kartrahunka for komunalnі Hotel i Hotel zv'yazku that іn.

Vikoristannya Іnternet-bankіngu Je mozhlivim nayavnostі for access to personal komp'yutera, pіdklyuchenogo to MEREZHI Іnternet and takozh nayavnostі spetsіalnih in bank systems, scho umozhlivlyuyut nadannya such poslug.

GSM-bankіng (Mobile phone bankіng) - System obslugovuvannya scho nadayut іnformatsіyny SERVIS for rahunkom, vіdkritim at the bank. Sistemi mobіlnogo bankіngu give zmogu:

• Requests for oderzhuvati Mobile phone on the phone about a bag of penny іnformatsіyu koshtіv, SSMSC dostupnі for vikoristannya in Danian time;
• oderzhuvati Notification scho pіdtverdzhuyut Venue of operatsіy for rahunkom, in fact i chislі for kartrahunkom. Takі povі-ness formuyutsya i vіdpravlyayutsya Mobile phone on phone klієnta pіslya spent at rahunkom payment abo operatsії znyattya gotіvki;
• samostіyno s mobіlnogo phone postaviti kartka in the stop-list at vipadku viyavlennya її zniknennya;
• oderzhuvati Mobile phone on phone Notification about nadhodzhennya koshtіv on rahunku.

Phone bankіng - System upravlіnnya rahunkom telephone touchtone h. Sistemi telebankіngu give zmogu:

• prosluhovuvati іnformatsіyu about exchange rates, rates of about rozmіschennya koshtіv deposit that INSHI Hotel jar;
• prosluhovuvati th oderzhuvati fax operational іnformatsіyu about threading mill rahunku cards;
• win a vipisku for rahunkom platіzhnoї cards on the fax;
• samostіyno postaviti platіzhnu card in stop-list at razі її vtrati abo kradіzhki;
• vikonuvati platezhі s kartrahunka for komunalnі Hotel i Hotel zv'yazku, INSHI platezhі.

On sogodnі nayavnіst in komertsіynih bankіv netraditsіynih systems distantsіynogo obslugovuvannya klієntіv Je duzhe vazhlivim chinnikom scho vplivaє on rіven zaluchennya th utrimannya klієntіv for the bank.

Analіz netraditsіynih poslug distantsіynogo obslugovuvannya held klієntіv s Look of Quality nadannya poslug i od deposits mozhlivostey obsession information The Venue of Tsikh operatsіy.

In Table. 9.33 danі imposed for viznachennya efektivnostі nadannya poslug distantsіynogo obslugovuvannya klієntіv.

table 9.33

EFEKTIVNІST Carrying OKREMIH Hotel W DISTANTSІYNOGO OBSLUGOVUVANNYA KLІЄNTІV have ZAGALNOMU ЇH OBSYAZІ

Analіz danih tablitsі 9.33 svіdchit about naybіlshy popit at Hotel distantsіynogo obslugovuvannya klієntіv - Іnternet-bankіng, the results nadannya yakoї otrimano naybіlshy Prybutok Sered іnshih poslug distantsіynogo obslugovuvannya klієntіv - 42%.