Easier Life with E-Banking

e-banking

I have been working in banking industry for about ten years now and I witnessed great changes.  More and more transaction available on banks' electronic channels.  More people enjoy get easier life with e-banking.

For instance,  ten years ago,  whenever people needed to deposit their money or transfer to their counterparts with other bank,  they had to go to the nearest branch where their account was and go though queueing and documents filling. Now?  Almost all of the banking transaction can be done by a touch away. 

Seriously,  with more stable and reliable internet connection,  e-banking now is an essential part of life.  Well,  at least for my life.  :D

So this is how I get easier life with e-banking

1. Goodbye queueing

One of the biggest plus sides of e-banking transaction is no queueing.  Of course I don't have to wait for others if I do my transaction on my very own smart phone,  do I?

Well of course to get or deposit some cash I still need to queue at the nearest ATM, but I can make it only once a week.  To top up my cellular service,  transfer and pay my bills, just tap my screen.

2. Minimum paperwork and document requirement

How troublesome it was to do your transaction in bank's counter. You have to prepare everything from the transaction slip to your ID and not to mention confirmation if you do a transaction involving money out from your account in a branch other than the branch where you open your account.

Well to me it was a load of work when I was the person handling the transaction.  Save your time and yourself from all the troubles and use e-banking instead. We only need to fill e-banking registration form before we can use the service.

3. Borderless transaction

Oh it is obvious, isn't it?  As long as you have working internet connection and installed browser or any e-banking application. 

Well I have tried to transfer money from my bank account when I was outside of Indonesia and it still worked.  :D Correct me if I'm wrong. 

4. Anytime anywhere

One of your relatives called you in the middle of the night and asked for an emergency financial help in the middle of the night and you really wanted to help,  you only needed a tap or two to solve the problem.

Once I had to drive around 12 to transfer money to my father's account for some kind of emergency.  There was no interbank transaction on e banking yet.  And now,  whenever I need to do something,  even to buy my electricity credit service. 

5. Cheaper transaction cost

Some banks offer discount for some of its transactions. This of course for transactions through e-banking channels. This may be that the banks spend almost nothing othet than investment cost for the system. While for other more traditional transaction they have to prepare system,  papers and manpower cost.

So,  we can lower our regular cost from our banking transaction.  Well I know it's not much but it still something worth to try. :)

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So is there anyone of you already experience easier life with e-

banking? Share your story!  :)

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