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所在平台: Udemy |
课程主页: https://www.udemy.com/course/complete-digital-banking-course/
课程评论：没有评论
课程名称：数字银行案例研究 课程概述： 数字银行是通过数字平台对传统银行服务进行自动化的过程。数字银行不仅为用户带来诸多优势，也为金融机构带来了便利。借助数字银行，金融机构能够消除繁琐的文书工作，如支票、汇票和工资单等。用户可通过手机或计算机访问所有银行服务，24小时全天候，无需亲自前往银行网点。 互联网银行，又称为在线银行、电子银行或虚拟银行，是一种电子支付系统，允许银行或其他金融机构的客户通过机构网站进行多种金融交易。数字银行提供个性化的银行体验，与传统银行的千篇一律相比，数字银行可能提供如账单支付提醒、个性化预算、资金管理和大额购置储蓄等功能。 由于许多流程借助数字银行的自动化而得以简化，很多服务有助于降低某些银行费用，例如交易费和维护费等。 数字银行的优势包括： - 效率和便利性 - 改善可用性 - 成本节约 - 与银行的更多合作 - 个性化服务 - 多种功能 然而，数字银行也面临一些风险，包括： - 信息和网络安全风险 - 操作风险 - 个人行为风险 - 技术稳定性和韧性风险 - 监管风险 - 第三方风险 - 洗钱风险 该课程通过案例研究帮助学员深入了解数字银行的运作及其在现代金融中的重要性。
Digital banking is the automation of traditional banking services through a digital platform. There are many advantages to digitally-enabled banking, not just for the user, but also for banksFinancial institutions offering their services online with digital banking do away with tedious paperwork like cheques, demand drafts, and pay slips.Digitally-enabled banks allow users to access all banking services 24×7 without the need to personally visit the bank branch - all you need is a mobile phone or a computer!Internet banking, also known as online banking, e-banking or virtual banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website.Digital banking offers you a more personalised banking experience. Unlike typical banks' cookie-cutter features, digital banking may offer features like bill payment reminders, personalised budgets, money management, big purchase savings, and so on.Since a lot of processes are automated with the help of digital banking, a lot of these services can result in reducing certain banking fees like transaction fees and maintenance fees.Benefits of Digital BankingEfficiency and convenienceImproved usabilityCost SavingMore collaboration with banksPersonalized servicesVariety of featuresDigital Banking RisksInformation and Cyber-security RiskOperational RiskPersonal Conduct RiskTechnology Stability and Resilience RiskRegulatory RiskThird-party RiskMoney Laundering Risk
