Banking Technology
Today's banking technology has reached a level that is said to be advanced compared to several years back. The products produced quite a lot, I will explain some of the bank products that I get from Applied Computer Banking lessons.
First is ATM or known as Automated Teller Machine. This is a bank product that we already know or meet almost every place and even an automatic replacement cashier machine because we no longer have to queue up long to only make payments, withdrawals or deposits with a number that is not too much.
According to the type of ATM based ATM serves as follows:
- Multifunctional
- Cash withdrawal
- Non Cash
- Cash deposit
ATM operation can be done through two ways: Onpromise is connected to the server where the ATM is placed. And Offpromise is the operation of ATMs that use a special satellite.
Management strategies that can be done by ATM is done alone or together. If the example is self managed it is in house and out sourcing. If in house certainly not difficult we meet. For example, if we look at the ATM machine there is only one bank name then it is called in house. Meanwhile, when we see many bank names on one ATM machine then it can be said out sourcing. Meanwhile, if the management strategy is said jointly such as joint venture and 3rd party. Its age has the same meaning that banks join parties other than their own bank and pay the rent on that party.
The second of banking technology is Plastic Cards. ATM will not work without this plastic card. Plastic cards have many types including:
- Credit card
- Smart card
- Debit card
- Private label card
- Change card
Starting from credit card, surely no stranger we hear these words what more lately a lot of kamsus associated with this card. Banks are more interested in attracting customers through this card is because the interest charged is greater than the interest from savings. So we need to be more careful when using this card.
Smart cart, definitely less fasi we hear but when called the flash card must have a lot to understand. BCA's flash card is an example of the smart card. What distinguishes this card with another card is this card we fill the balance first and then we can use and no cuts or flowers that are charged to us. And not connected with our account.
The card we have is said to be a debit card. Or cards we do for cash withdrawals, payments, or remittances. All of these are the uses of this card. Also on this card the interest earned is smaller than the credit card. In the process or transactions made by menggubnakan this card connected with the account that we have.
Change card must be very rare lately we hear. But the bank issued this card. Similarly, credit cards are making loans and not connected to our account. But the difference is the way of repayment. If the credit card can do gradual repayment or every month but it is different with this card. This card charges customers by repaying all loans made in accordance with the agreed maturity.