In a modern society, it is very important to control your money. This point is especially important for organizations and legal entities. For the convenience of such users, banks have created the "Client-Bank" system.
"Client-Bank" is a remote program that allows you to monitor accounts in any bank in real time. Working with such a system is simplified. The client does not need to visit a bank branch to conduct transactions with his funds. Let's take a closer look at how this system works and what it is.
What is Client-Bank?
Speaking about such a system as "Client-Bank", I must say that this is not a novelty in the world of modern technologies. She appeared 7 years ago. Within the framework of this system, users can exchange documents, information and funds with their partners and within their current accounts. The transfer of information takes place through the worldwide Internet. When making transactions on accounts, it is enough to be connected to the Internet. For greater convenience, large banks create mobile applications.
How is Client-Bank created?
If we talk about the process of creating a system, we can say that most clients simply turn to a developer who creates an operating system from a template. It usually includes a set of standard transactions that you can perform with your accounts. More modern banks go further and order individual projects. Such "Client-banks" include a number of unique services and functions. One of these systems is owned by the Russian PJSC Sberbank.
Usually "Client-Bank" is a paid service, which implies monthly maintenance. The system generates one-time passwords, which are sent in the form of text messages to the subscriber's mobile number.
What types of programs are there?
"Client-bank" can be conditionally divided into two categories:
- The standard version of the program, which is installed on a computer, or as a mobile application. This system is sometimes referred to as "Thin Client". All operations that the client performs in the personal account are stored in the memory of the device from which he logs in, or in the memory of the application itself.
- Another version of the program is called "Thick Client". In other words, "Client-Bank" offers various options for interaction with the bank. Most often, this is a connection via a telephone line, modem or line connection to the Internet.
What is Client-Bank intended for?
"Client-Bank" can completely replace a banking institution. This is especially important for legal entities that make regular transfers and payments through payment details. The service allows you to track the current position of client accounts and predict costs and profits. Within the framework of a modern system, the manager can receive account statements and track existing counterparties around the clock.
In addition, the online banking service allows you to always keep abreast of events and track the current rates for precious metals and currencies. The system gives full access to foreign currency deposits, active accounts and deposits.
The main advantages of the "Client-Bank" system
The system has a number of advantages that cannot be overlooked. The main ones include:
- Ease of use.
- The program does not require special skills and abilities.
- Remote control. In order to use the system, you do not need to visit the bank in person.
- Continuous financial control, which is available online.
- The ability to create payment templates.
- Permanent access to currency quotes.
- Electronic document management, which allows you to reduce the time spent.
- The documents are stored in a single electronic database, therefore they do not require notarial confirmation. Each client has an electronic signature.
- Working hours - around the clock, which allows you to control your expenses from anywhere in the world.
- Reliable protection for all operations. Each action with funds requires confirmation with an individual one-time password, which is sent by text message to the phone number linked to the account.
Disadvantages of the "Client-Bank" system
As in any program, in the "Client-Bank" system one can find drawbacks. These include:
- Possible software glitches.
- Constant attacks by fraudsters that can lead to loss of funds.
- The possibility of bank ruin.
- Insurance of deposits for a certain amount. If this amount is exceeded, it will be impossible to return the deposit.
How to connect Client-Bank?
In order to become a user of the "Client-Bank" of a certain organization, it is necessary to understand some points.
First of all, this is the maintenance of this program. Connection to such a program can cost the client from 1 to 3 thousand rubles. Subsequent maintenance of the program per month averages 1-1.5 thousand. However, many banks provide new customers with preferential terms of connection by installing the program for free.
In order to connect the "Client-Bank" system, you need to register on the official website of the company. Confirm registration using a mobile device or e-mail. After that, bank employees install the program on a computer or other user's device. Many banks offer online opening. To do this, you need to download the program yourself, paying for its service.
What is the difference between the "Client-Bank" system and Internet banking
Many users believe that Client-Bank is no different from an online banking system, but this is not entirely true. The main difference between the "Client-Bank" is that this system works entirely through the program installed on the user's computer. In turn, the Internet bank allows you to perform transactions using a browser.
Thus, the "Client-Bank" system allows you to work with documents outside the Internet. In addition, "Client-Bank" works only on a stationary device. If you need to have access for several users, you need to install the program for each device separately.
However, it should be said that if the computer's operating system fails, then Internet Banking users will only need to reinstall the browser and return to work. In turn, the users of the "Client-Bank" may lose some of the information that is completely stored in the computer's memory. In this case, banks recommend creating backup copies of documents.
It is believed that the bank-client system provides more options than the Internet bank. For example, in the client-bank system, you can view the change in the payment status of certain documents. In addition, most programs support the function of interacting with a large number of accounting programs and do not require reconfiguration.
Summing up, we can say that the "Client-Bank" system has a significant advantage over Internet banking. It will be especially convenient for legal entities and individual entrepreneurs. Basically, this program employs an accountant who not only saves his time, but also monitors banking transactions. Based on the results of the month, you can generate a report on all cash flows on the accounts. Many programs allow you to send information to tax authorities and pension funds, which simplifies the work of the organization. However, it is worth remembering that the more functional the program turns out to be, the more expensive its maintenance is.
