Bank free SMS notification thresholds: my site I-banking, credit card, SMS-IT information
Credit card box mask received SMS reminders, a banking system problem? Or no deduction at all successful? Beijing, reporters found that it is a Bank for the development of mobile financial services, increased the free SMS notification thresholds, use the client and the app offers a series of free, public services , and guide the user to use mobile banking.
Survey--
After debit card bank increase credit card free SMS notification threshold
"The recent credit card billing is not receiving text messages suggested that slow start thought it was the system, delays, and later several times. "Consumption is usually restrained now and then Xiao Wang will check messages, operator accounts.
Wang later calls to the Bank was informed that bank improves credit card lines of SMS alerts, consumption of 300 yuan are no longer sending text messages.
Reporters found that many banks are steadily improving credit card free SMS alert threshold. Industrial and commercial bank with effect from August 1, stop sending credit-card transaction amount less than 300 yuan of RMB (inclusive) of balance change reminder text messages instead of by melting together e information sent by the client.
"Include cash in the ATM machine with a credit card, as long as no more than 300 yuan, will not send free SMS alerts. "ICBC's customer service staff, which have been opened throughout the country.
Also established threshold of 300 yuan and China Merchants Bank, customer service personnel, told reporters: "since February 2014, China Merchants Bank cancelled credit cards less than 300 Yuan by text message, but each consumer details are available through the public, sent to the user, the public also query limit, instalments and other functions. ”
Shanghai Pudong Development Bank credit card by text message triggered higher amounts. July 20, Shanghai Pudong Development Bank to the personal name on the credit card online trading trigger amount adjusted to 500 Yuan for SMS notification to remind, cardholder if notified by SMS was informed that the beginning and end of each transaction, you need to purchase service at 4 Yuan per month price.
Debit SMS Alerts service is basically unchanged. After several years of adjustment, most domestic banks for opening of the debit card ordinary accounts charge a monthly 2-4 by text message fees.
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Impact force moving to the third party payment finance
"Banks to adjust SMS alerts, on the one hand to reduce the cost of sending text messages by mobile operators on the other, within closed-loop sends information to enhance the safety of the banking system", the concept of financial analyst Guo Jing to explain to Beijing, Xinhua said.
Teamed up with ICBC financial e native client, for example, users want to receive the free balance change reminder, need client-side binding bank cards, software and open the automatic name push feature.
Insiders believe that, with the rapid development of mobile Internet, banks suffered from new financial models, such as the impact of third-party payment platform, Bank small changes free SMS reminder service, guide the consumer form using electronic channels such as Internet banking, mobile banking habits, is the ultimate goal.
Guo Jing said that compared with the traditional short messaging service and counter business, micro-letter public, mobile clients, such as making financial services more flexible and convenient. "Mobile finance the network Internet, high-speed data exchange and support themselves and other advantages, both the mobility and portability of the Internet anywhere, anytime, customers more likely to accept and master. ”
In his view, development of mobile financial is an extension of bank branches and service channels expand; ease can give full play to its advantages, and create personalized service according to customer demand.
Depth-
Mobile bank transfer into the "free" era
On December 25, 2015, the official release of the people's Bank of China on improving the individual bank accounts service issued the notice on strengthening the management of account, the "encourage commercial banks to depositors via online banking, phone banking transfers a certain amount of remittances business free of charge."
Policy over the Bank's "solo" for online banking, mobile phone banking transfers fees into the basis for a comprehensive free phase, banks began to "groups" promoting the new rules drop.
On February 25, the industrial and commercial bank of China, the agricultural Bank of China, China Construction Bank, Bank of communications, "big five" rare, and announced one after another to individual customers via mobile phone bank transfers, remittances free of charge via online bank transfer service free of charge for costs up to 5000 Yuan.
On July 28, China CITIC Bank, China Merchants Bank's 12 joint-stock banks, set up a "network of commercial bank financial Union", that Union Bank customers through electronic channels (mobile banking, personal Internet banking) for interbank transfers business can be completely free of charge.
Reporters recently from the "big five" learned website announcements and customer service staff, "big five" to individual customers through phone banking, online bank transfer fee concessions have been implemented.
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Middle-aged and elderly customers embarrassed exclusive service is offered or the general trend
"Now banks are encouraging online operations, network business cost ahead promises to be higher and higher, even many high-yielding financial products are exclusive to the mobile phone, this a bit awkward for middle-aged and older groups. ”
Wu retired from the institution said at the beginning, with Smartphones to watch news, send a message with no problem, but online shopping only payment in cash, "conduct involving money, still not used to accomplish while on a cell phone."
"Open exclusive mobile financial services is the trend of older persons", Guo Jing pointed out that China has entered the aging society, Ministry of civil affairs figures show that by the end of 2015 national elderly population aged 60 and over 222 million people, accounted for more than 16.1%, "is quite large for the banks of the blue sea, is no reason to give up. ”
Guo Jing recommended specially developed exclusive Internet bank or in the elderly client, and launch the appropriate safety and security features, such as online banking, mobile phone banking transfer sets mandatory limits and financial literacy training and cognitive assessments for the elderly on a regular basis, improve safety protection awareness.
银行提高免费短信通知门槛：我的地盘听我的 - 银行,信用卡,短信 - IT资讯
刷信用卡买盒面膜没收到银行短信提醒，是银行系统出了问题？或根本没扣款成功？中新网记者调查发现，这是银行为发展移动金融业务，再次提高了免费短信通知门槛，改用客户端和微信公众号提供系列免费服务，引导用户使用手机银行。
调查——
借记卡之后银行提高信用卡免费短信通知门槛
“最近刷卡结账总是收不到短信提示，开始以为是系统慢、有延迟，后来又出现了好几次。”平时消费甚为克制的小王时不时就会查查短信、算算帐。
后来小王给银行打电话咨询得知，是银行提高了信用卡短信提醒的额度，消费300元以下都不再发送短信。
记者发现，不少银行都在逐步提高信用卡免费短信提醒的门槛。工商银行自8月1日起，停止发送信用卡人民币交易金额300元以下(含)的余额变动提醒短信，改由通过融e联手机客户端发送信息。
“包括用信用卡在ATM机上的取现行为，只要不超过300元，就不会发送免费的短信提醒。”工商银行客服人员表示，该举措陆续在全国范围内开行。
同样设立300元门槛的还有招商银行，客服人员告诉记者：“自2014年2月开始，招商银行就取消了信用卡消费300元以内的短信提示，但每笔消费明细均可通过微信公众号发送给用户，公众号还兼具查询额度、分期还款等功能。”
浦发银行信用卡的短信提示触发金额更高。7月20日起，浦发银行对个人名下信用卡联机交易提醒短信通知的触发金额调整为500元，持卡人若想通过短信通知获悉每笔交易始末，需要以每月4元的价格购买该项服务。
借记卡的短信提醒服务则基本维持不变。经过近几年的调整，目前国内多数银行对开通该项功能的借记卡普通账户每月收取2-4元不等的短信提示费用。
追因——
应对第三方支付冲击发力移动金融领域
“银行调整短信提醒方式，一方面是为降低通过移动运营商发送短信的成本；另一方面，银行系统内闭环发送信息可提升安全性”，易观金融分析师郭竞向中新网记者解释称。
以工商银行融e联手机客户端为例，用户要想收到免费余额变动提醒，需用客户端绑定银行卡，并开启软件的自动推送功能。
有业内人士认为，随着移动互联网快速发展，银行业遭受到来自第三方支付平台等新型金融模式的冲击，银行取消小额变动的免费短信提醒服务，引导消费者形成使用网上银行、手机银行等电子渠道的习惯，才是最终目的。
郭竞说，与传统短信服务和柜台业务办理相比，微信公众号、移动客户端等让金融服务更加灵活便捷。“移动金融具备全网互联、高速数据交换和服务自助完成等优势，又兼具随时随地互联的移动性与便携性，客户更加容易接受和掌握。”
在他看来，发展移动金融是银行网点的延伸，又是服务渠道的拓展；既能充分发挥其便捷性优势，又可根据客户需求打造个性化服务。
深度——
手机银行转账汇款步入“全免”时代
2015年12月25日，中国人民银行正式发布《关于改进个人银行账户服务加强账户管理的通知》，提出“鼓励商业银行对存款人通过网上银行、手机银行办理的一定金额以下的转账汇款业务免收手续费”。
政策出台结束了各银行的“单兵作战”，为网上银行、手机银行转账手续费进入全面免费阶段奠定基础，银行间开始“组团”推进新规落地。
2月25日，工商银行、农业银行、中国银行、建设银行、交通银行“五大行”罕见联手，宣布陆续对个人客户通过手机银行办理的转账、汇款业务免收手续费；通过网上银行办理的5000元以下转账汇款业务免收手续费。
7月28日，中信银行、招商银行在内的12家股份制银行则成立“商业银行网络金融联盟”，宣布联盟银行的用户通过电子渠道(手机银行、个人网银)办理跨行转账业务均可全部免费。
记者近日从“五大行”官网公告及客服人员处了解到，“五大行”对个人客户通过手机银行、网银转账汇款的手续费优惠都已落实。
延伸——
中老年客户遇尴尬开设专属服务或是大势所趋
“现在银行都在鼓励线上操作，未来去网点办业务的成本肯定会越来越高，甚至很多收益高的理财产品都是手机专享，这对中老年群体来说有点尴尬。”
年初刚从某事业单位退休的吴女士说，用智能手机看新闻、发信息都没问题，但网购只选货到付款的，“涉及钱的行为，还是不习惯在手机上完成”。
“开设老年人专属移动金融服务是大势所趋”，郭竞指出，我国已进入老龄化社会，民政部数据显示，截至2015年底全国60岁及以上老年人口22200万人，占比达到16.1%，“对于银行来说是相当大的一片蓝海，没理由放弃。”
郭竞建议专门开发老年人专属网上银行或客户端，并推出相应的安全保障功能，比如对其网上银行、手机银行转账汇款等设置硬性限额；同时，定期为老年人提供金融知识培训及认知评估，提高安全保护意识。