e-banking 好處&壞處

Protection through single password authentication, as is the case in most secure Internet shopping sites, is not considered secure enough for personal online banking applications in some countries. Online banking user interfaces are secure sites (generally employing the https protocol) and traffic of all information - including the password - is encrypted, making it next to impossible for a third party to obtain or modify information after it is sent. However, encryption alone does not rule out the possibility of hackers gaining access to vulnerable home PCs and intercepting the password as it is typed in (keylogging). There is also the danger of password cracking and physical theft of passwords written down by careless users.

Many online banking services therefore impose a second layer of security. Strategies vary, but a common method is the use of transaction numbers, or TANs, which are essentially single use passwords. Another strategy is the use of two passwords, only random parts of which are entered at the start of every online banking session. This is however slightly less secure than the TAN alternative and more inconvenient for the user. A third option, used in many European countries and currently being trialled in the UK is providing customers with security token devices capable of generating single use passwords unique to the customer's token (this is called two-factor authentication or 2FA). Another option is using digital certificates, which digitally sign or authenticate the transactions, by linking them to the physical device (e.g. computer, mobile phone, etc). While most online banking in the United States still uses single password protection, the FDIC has issued regulations requiring that banks implement more secure authentication mechanisms by the end of the year 2006.

Banks in many European countries (including the Scandinavian countries, The Netherlands, Austria and Belgium) are offering online banking for e-commerce payments directly from customer to merchants. For instance, see iDEAL.


Fraud
Some customers avoid online banking as they perceive it as being too vulnerable to fraud. The security measures employed by most banks are never 100% safe, but in practice the number of fraud victims due to online banking is very small. Indeed, conventional banking practices may be more prone to abuse by fraudsters than online banking. Credit card fraud, signature forgery and identity theft are far more widespread "offline" crimes than malicious hacking. Bank transactions are generally traceable and criminal penalties for bank fraud are high. Online banking can be more insecure if users are careless, gullible or computer illiterate. An increasingly popular criminal practice to gain access to a user's finances is phishing, whereby the user is in some way persuaded to hand over their password(s) to a fraudster.

e-banking 好處:
1.方便,因為佢唔洗去銀行排隊,乜都可以係屋企做
2.省時,如果我只係過一過數就要去銀行排半個幾鐘隊,E-BANKING CLICK幾 下就OK
3.效率,去到銀行見個STAFF做野,隨時成幾個字,自己做既話,明白自己想點,更真接
4.準確,如果你買外幣,排得隊尼個價都唔知去咗邊
e-banking 壞處:
1.錯誤,因為你自己做,好大機會遇到唔識既野時候會錯
2.保安:雖然而家好多銀行都加强保安,例如中銀電話密碼確認咁,但俾佢CRACK咗入去睇既全部都係自己既私隱,其次好多人(包括我)都怕出事,所以都唔會俾個ACCOUNT滙錢到第三者戶口,所以滙錢會變成一個障擬
3.資料更新慢,如果買股票,上落快,更新速度未必追到