How Is Your Online Banking Performance?
Online Banking has become a normal way of doing business in developed countries as well as developed countries
. It is often called as Net Banking, Internet Banking or Online Banking, besides this Banks tend to use a special product name for branding these services.It is a practice of making bank transactions via the Internet. It will give you an excellent opportunity to bypass the time-consuming, paper-based aspects of traditional banking in order to manage your finances more efficiently.
Thanks to innovative technology and the Internet in particular, we no longer have to leave the house to make payments. Online banking is available 24 hours a day, 7 days a week, so you can do it anytime, anywhere.
The benefits are:
1.Ease of use and providing information
2.247 Availability
3.Reduces cost of bank staff, operations and transactions
4.Saving of paper work
5.Quick and easy to track
The online banking can be successful if:
1.Security of website
2.Security of client information and transactions
3.Performance meets client expectations
4.It has required functionality
Banks take utmost care to offer security and have implemented many security layers, tools and technologies. Latest one being two factor authentication and instant alerts on phone. There are regular security penetration testing and vulnerability assessments.
Next is performance!
So how is your Online Banking Performance?
1.Login 2 Seconds
2.Complete funds transfer in 5 seconds
3.Complete reporting in 3 seconds
4.Complete bill payment in 5 seconds
How many transactions can it support in a day?
How many concurrent users does it support?
Is it competitive in market?
Are customers happy?
Are 100% transactions completed?
Does it support all the major browsers like Internet Explorer, Firefox, Chrome, Safari. Testing for multiple browsers is essential in order to gain support for online banking acceptance by customers.
Performance testing can also help you determine the slowest flow or transaction.
Once your online banking performance is satisfactory, it is important to have a 247 availability of this channel. This will ensure your banking is available 247 and performing with in accepted SLAs.
Some of the common features are:
Manage all your accounts in one place.
Pay a bill. Schedule payments in advance.
Transfer funds.
View images of your checks online.
Apply for a loan or credit card.
Purchase and manage FD/CD accounts.
Order cheque book or travelers checks.
View up-to-the-minute account statements and balance.
View automatically updated spending report.
Track your payment history.
Integrate the data with personal finance programs.
Change account information, passwords and contact details.
Take advantage of online brokerage and other banking or financial products.
Get alerts via email, sms/text or call. Mobile Banking
Customer support via email and chat
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