Solution of Home Banking in E-payment

Jason, 2301902056

From the problems seen,  innovations   made  by  the  bank such as  creating atm premises  and the creation of  debit  or  credit  cards  allow  the  bank  to  charge  additional  fees  to    Physical  services provided by  the teller  to consumers in order to overcome customer problems such as card creation, transaction services, checks, looking at transaction history, etc. and of course to do that requires a large fee and drains the time used. So with this problem  home banking  can  be a  solution  to  this problem.  By  using this home banking,   customers    no  longer  need to come  to  the  nearest  branch  office.   Usually,  if  banking  companies want to  use  this state,   then  they  can  make  applications that are  certainly    customer-friendly    such as  mobile banking,  web banking, internet banking,  through  phone,  or  e-mail. To  be able to access home banking,  then  a  customer  must  of course  have  internet  access and also media such as a PC (personal computer)  or  mobile  phone  to  make  transactions.  at home  so that you  no  longer  need to come  to the  nearest branch  office.

An example of a banking  company  implementing   this  home banking  concept  is Bank Central Asia (BCA). This company    is a  company   engaged in banking  one of    the  largest  banking  companies  in Indonesia. Bank Central Asia  has a  variety of home banking platforms  for the convenience  and convenience of  their  customers  as  they  create mobile banking  applications to  make  transactions    easily so that  we do not need to Again  come  to the nearest  ATM  to  make  transactions,also BCA has its own  website  to  make  transactions as well, and BCA also  provides  internet banking  and  banking  services via  e-mail  to  Make it easier for  customers    to make  transactions. BCA also  has  an application  to  conduct  nominal  cash deposits  with the   aim of reducing   the existing  time  if  we  want to  deposit  cash  through  banking branch  offices.

Reference

Knights, D., & Noble, F. (t.yhn.). Networks and partnerships in the evolution of home banking.

Liao, S., Shao, Y. P., Wang, H., & Chen, A. (1999). The adoption of virtual banking: an empirical study. Kowloon.

Teoh, W.M.-Y., Chong, S.C., Lin, B., & Chua, J. W. (2013). Factors affecting consumers perception of electronic payment: an empirical analysis. Emerald Group.