Computing and IT at work is one of the essential modules that must definitely be deeply studied because of its widely importance which influence on organization's development and behavior. In this article we will has an reason about Online Bank operating system in Maybank. And we will review the actual functionality, benefits and drawbacks, and the impact of Maybank Online Banking system. In addition, we will discuss the similarities and variations of Maybank Online Banking system with Internet and THE INTERNET, Security Issues, and Real-Time-Systems with a tips and alternatives for future enhancement.
Introduction
As stated on (maybank2u. com. my, 2010) Malayan Banking Berhad or Maybank was included in Malaysia on 31 May 1960 and commenced operations on 12 Sept 1960. On 17 February 1962, Maybank was outlined on the then Kuala Lumpur Stock Exchange (today Bursa Malaysia). Maybank is today among the very best companies by market capitalisation on Bursa Malaysia.
Maybank is Malaysia's major financial services group with total possessions exceeding RM330 billion. The Group comes with an considerable global network of 1 1, 750 office buildings in 14 countries namely Malaysia, Singapore, Indonesia, Philippines, Brunei Darussalam, Vietnam, Cambodia, China, United Kingdom, U. S. A. , Bahrain, Papua New Guinea, Pakistan and Uzbekistan.
The Group offers a comprehensive range of financial products ranging from commercial banking, investment bank, Islamic banking, cards issuance, offshore banking, leasing and work with purchase, insurance, factoring, trustee services, advantage management, stock broking, nominee services, venture capital and Internet bank. Today, the Maybank Group has over 39, 000 employees who serve over 16 million customers worldwide, with 9. 5 million customers in Malaysia alone.
Maybank has been consistently rated among Malaysia's most valuable brands. Additionally it is rated first among Malaysian lenders by Brand Financing in its Global 500 survey and 118th among the very best 1, 000 banks in the world from the Banker Newspaper.
A Legacy of Growth and Leadership
Maybank is the major bancasssurance player in the region and its internet banking likes over 50% of market show in Malaysia. Its Islamic banking arm, Maybank Islamic Berhad, is not a 1 in the Asia Pacific region today and one of the world's top 15 Islamic finance institutions.
The Group's Insurance Business under the Etiqa brand is probably the top in the industry offering Life and Standard normal insurance as well as Family and General Takaful packages. Investment Bank Group, spearheaded by Maybank Investment Lender, one of the leading investment banks in Malaysia, offers a comprehensive selection of investment alternatives, from corporate funding to arrears capital markets, collateral markets to analyze and strategic advisory.
Maybank has received numerous awards as testimony to its management and technology in product offerings and services. The Group's foundation of strength, regular record of success and strong balance sheet is testament to its resilience in every monetary cycles.
Corporate Responsibility
The Group has over time placed important on being truly a responsible corporate and business citizen through various activities, initiatives and programmes, with the primary objective of making a difference locally, environment and real human capital development. As being a responsible organisation, we adopt industry best practices in corporate governance by promoting a culture of excellence, transparency, integrity and accountability inside our daily functions.
Celebrating 50 years in 2010
This calendar year, Maybank celebrates its 50th wedding anniversary.
Functionality of maybank Online Banking
MayBank online system allows people to perform Bank activities. It provides a fast and convenient way of doing common banking deals on the web. When you have a pc with Internet access, a browser, you'll be able to do your banking from the comforts of home, office or nearly anywhere else on the globe.
Maybank ATM/credit card holder has to apply before he is able to reach Maybank internet banking system online for the first time only. Here, more details on how to use as mentioned on (maybank2u. com. my, 2010):
Go to the nearest Maybank ATM.
Enter you Maybank ATM/credit greeting card.
From the primary menu, Choose Maybank2u Services.
Choose Maybank2u Application.
Enter your own 6-digit Maybank2u. com PIN.
Repeat the same PIN again to verify.
Then, Maybank ATM/credit credit card holder must complete sign up by:
Go to www. maybank2u. com.
Click on Login.
Click on Login for new users.
Read the Terms and Conditions, then click on the Accept button.
Enter the ATM/credit card quantity that you used to use for your Maybank2u. com in the Gain access to Amount field.
Enter the 6-digit Maybank2u. com PIN you have selected and click on Activate.
Enter your preferred username and password for all those future access.
Now, Making use of and registration has been completed. Plus the Maybank ATM/credit cards holder can access his bank account easily by:
Go to www. maybank2u. com.
Click on login.
Enter your account that you select before.
By accessing Maybank online system customer can banking online and performs his/her banking activities remotely.
The system offers a great deal of functions which make the banking Functions easier for the users. Here more details on what individual can do through the system.
Allow users to see and take care of their accounts, make payments, and transfer cash.
Bill Repayment: allow users to pay their expenses from almost 600 payee businesses available, pay their Maybankard credit-based card charge, pay their income tax to LHDN, make DMP Repayment, and pay their American Express charge card bills.
Transfers: allow users to copy cash between their own accounts, to another person's Maybank profile, to an area account or even to an account overseas.
Fixed Debris: allow users to view their existing set deposit accounts details, make an online location or upliftment.
Rewards Items: allow users to check their TreatsPoints or their American Exhibit rewards.
Investment:
Allow users to operate using Online Stocks, make an EPF payment or control their EPF accounts, apply for eShare or control their CDS accounts, choose a account allocation, view a Maybank Investment stock portfolio report, enroll their ASNB Consideration and make Additional Acquisitions, view their FCA account details, and view their GSPA bank account details.
Insurance:
Allow users to get and renew their insurance policy or purchase.
Loans:
Allow users to view and deal with their personal, home, and car loans.
Mobile Bank:
Allow users to sign up for Mobile Financial Services (mobile checking account), enroll their quantity and change their Service Provider.
Personal Details:
Allow users to change their login password, update customer contact information, view their personal stats and upgrade their account.
Buy Online:
Allow users to top up their mobile prepaid, buy prepaid mobile and MYeCASH PIN, reload or buy their IDD/STD card and internet prepaid.
Maybank @ SG:
Allow users to gain access to their Maybank Singapore profile.
Allow users to see their standard bank trading statement, charges and charge card statements, loans assertion, and their debit and credit banking guidelines and notices.
Advantages of MayBank Online Banking
Pay a bill:
Electronic bill repayment service allows a depositor to send money from his or her online accounts to a creditor or product owner, for example to a general public power or a team store. There is no need to stand in an extended line on a weekend morning to handle your orders.
Transfer money:
With online bank, you can make money transfer between your own accounts, or send money to a third party account. All you have to is recipient/payee information and enough money in your bill. Quite often, the functions are performed in real time
View automatically modified spending record:
All your purchases are sorted into familiar categories automatically - to save, no expenses to type in. It is straightforward to see where your money goes.
Track your repayment history:
Online banking offers you an possibility to search your payments by deal type, date, explanation or amount. When do you last pay Company X? When does you buy your personal computer? To whom does you make your latest payment? Your standard bank is aware the answers.
Schedule payments in advance:
Most finance institutions offer customers the ability to schedule a repayment on a particular date. After the amount is moved into and the payee is checked out off, the cash are automatically deducted from your online bank-account.
Take advantage of online brokerage:
Internet banking enables you to invest online. You could place and verify trades 24 hours per day, seven days a week. Most banking institutions provide a variety of money market instruments from various issuers.
Change contact details:
You can log in to your online bill and change contact information (e-mail address, telephone number, password, etc. ). It is more secure than to send this information by e-mail.
Get notifications:
This service gives you to receive timely e-mail communications from your bank or investment company about any critical changes related to your Internet accounts. For instance, you can get alerts when you make a withdrawal or change your contact information.
Disadvantages of MayBank Online Banking
Security:
Yes, online banking is normally secure, but it certainly isn't always secure. Identification theft is running rampant, and finance institutions are by no means immune. And once your details is compromised, it can take weeks or even years to correct the damage, not to mention possibly costing you thousands of dollars, as well.
Some online finance institutions are more secure than others. Not absolutely all online setups are an expansion of an brick-and-mortar standard bank. Some operate completely in cyberspace, without the benefit for an branch that you can actually visit if need be. With no way to in physical form browse the procedure, you must make sure to thoroughly research your options about the bank's qualifications before providing them with any of your money
Learning curve:
Customer service can be below the quality you are used to. Some people simply take comfort in being able to talk to another individual face-to-face if indeed they experience an issue. Although most major lenders employ a dedicated customer support department designed for online users, going through the dreaded mobile phone menu can be quite irritating to many. Again, some are substantially better (or worse) than others.
Slow handling:
From as soon as you got into a financial transaction with your lender via the computer. Usually the lender will require you to definitely submit certain documents like an identification card, personal and so on. Not only will the bank online need you to post documents but also to provide special power of attorney in cases where you want to do transactions together with your partner. A concrete example is when you want to manage all your wealth and resources together as one or two and you wish to notice online. Certain technological techniques regarding online bank may be taxing too and complicated.
As an outcome, not absolutely all online transactions are immediate. Online banking is at the mercy of the same business-day parameters as traditional banking. Therefore, printing out and keeping receipts continues to be very important, even though banking online.
The Impact of MayBank Online Banking:
The Online Bank services in Maybank have profound changes during the last decade. Essentially the most apparent change has been the large number of bank mergers, which have increased both the average size of lenders and the region over that they operate. Other changes could also prove dramatic but are at this aspect just getting under way the growth of Internet bank and the blend of banking with other financial services, such as insurance and securities underwriting.
The implications of these changes for the profitability and basic safety of lenders have been generally reviewed, but what do they indicate for local economies? Some analysts claim that the changes will gain most areas by increasing the public's access to financial services and so that it is easier for banking companies to continue lending during regional economic downturns. Others dispute that the changes will finish up hurting many neighborhoods, especially smaller ones, because the large organizations created by mergers will be uninterested in portion small customers and can siphon off cash from smaller market segments to give in big metropolitan areas. To shed light on the debate, this informative article focuses on the two groups that are likely to be damaged by the transformation of bank.
Consumers and small businesses. Before the recent changes, surveys constantly found that both of these communities relied heavily on local banking institutions because of their credit and obligations needs. It stands to reason, therefore, that they might also be the communities most influenced by any changes in local banking practices caused by consolidation, Internet banking, or financial integration. A further reason for focusing on small businesses is that these enterprises play a particularly important role in the economical performance of smaller neighborhoods the areas where there's been the greatest matter about the possible undesireable effects of the transformation in banking. The article concludes that the recent changes in banking will probably benefit consumers and small businesses in most communities, as long as they remain absolve to choose between small and large finance institutions for their banking services. The first section of this article reviews the three major
Changes in the banking system consolidation, Internet bank, and financial integration. The next two sections claim that these changes are likely to gain both consumers and small businesses, provided small banks are available to fill any gaps operating or credit to smaller customers. The very last section concludes that small lenders face a significant but not insurmountable obstacle in carrying on to fill up this role-the increased difficulty of obtaining cash.
THE IMPACT OF THE ONLINE Bank ON CONSUMERS:
Consumers have usually relied on local banking companies and branches for most of their bank services. The change of online banking in Maybank now under way will hurt consumers by raising the purchase price or reducing the quality of these services. Or the changes profit consumers by expanding the array of services will offered by bankers and allowing consumers going beyond your local market for bank services. It had been once thought that the primary advantage to consumers of online bank would be lower fees for banking services or higher rates on debris. According to this view, the cost to banks of online transactions would be much lower than the expense of traditional transactions through a standard branch. As a result, consumers would be billed lower fees or
Paid higher first deposit rates if indeed they banked online rather than heading to a branch office. Proponents of the view pointed to the exemplory case of online agents, who charge buyers much less for trading stocks than either discount brokerages or traditional full-commission broker agents (Markings).
THE IMPACT OF ONLINE Bank ON SMALL BUSSINESS:
Like consumers, small businesses have usually obtained almost all of their bank services from nearby banking companies and branches. Will the change of banking harmed small businesses by moving ownership of these banking offices to large, distant organizations uninterested in dealing with small customers? Or does it help small businesses by making bank and other financial services cheaper and far more convenient.
As noted earlier, mergers have significantly increased the show of banking resources manipulated by large, greatly dispersed organizations. Some observers be concerned that this change in the banking system will finish up reducing the full total way to obtain credit to small businesses. These observers acknowledge that a few of the businesses that are refused credit consequently of standard bank mergers may be bad dangers that should not need received loans to begin with. They claim, however, that mergers will also reduce the supply of credit to numerous good risks, hurting the local overall economy.
As in the case of consumers, the main advantage of online bank in Maybank to smaller businesses may very well be greater convenience. For several years, large businesses have appreciated electronic access to their banking companies through private computer systems. Internet bank in Maybank is now extending that usage of smaller businesses. Some standard bank web sites allow small business customers to see their balances instantly, transfer money between accounts, and originate cable transfers. A smaller number of loan provider sites also offer cash management services and payroll services. Industry observers predict that more bankers will offer such services over time because small businesses are among their most profitable customers. Large banks show particular interest in this area, obviously viewing online banking in an effort to lure small company customers from smaller banks
Internet and WORLDWIDE Web
Maybank File Transfer and the web:
The internet is an internationally collection of networks that connects an incredible number of pcs and it performs the primary role in Maybank exchange system especially online bank, because all the business deal is done by Internet and without the internet there is no online bank. Maybank is becoming very popular in a world of electric debits and exchanges and other banking activity that, until just lately, you would have to have made a vacation to the bank to do. All areas of society has benefited from online bank as a result of convenience that the internet offers. Internet banks have to make themselves appealing to potential clients. They do that by offering high-yield checking accounts. Internet lenders have comfort of doing so because they do not have the same overhead cost as normal banks. Internet banks are much cheaper to use than traditional banking institutions, so Internet banking companies can go away the savings on to their customers. Once they have secured your business, Internet banking institutions provide you with other services. You will be able to complete your checking, cost savings, credit cards, home loans, investments, bill payments plus much more from the comfort of your living room.
Maybank has developed a product program made to provide simple and secure document exchange between your bank and its customers through any of three (3) delivery channels: Web, Desktop Connection or Secure FTP. However in today's networked world of the internet, the web browser and e-mail will be the ubiquitous software tools used for information exchange. These tools do not adequately support secure document transfer of not small files as the ability to track and audit record movement is bound. With M-Secure File Transfer OBS, bankers can transmit and receive data automatically without scripts or manual intervention using the web, OBS Desktop Interconnection Customer or Secure FTP. Online Messenger will regularly check for documents to be delivered to clients or sent to the lender from chosen folders on the customer's Laptop or computer. Customers only have to place a record in the selected "send" folder and the document will be automatically transmitted to the lender. No complicated FTP procedures, no modems, no scripts. Data Delivery is secure, utilizing a strong encryption algorithm - blowfish - with a 448-little key. Each individual has a unique User Identification and Password that must definitely be changed every thirty days.
E-Commerce
E-commerce is business business deal that occurs over the internet and online banking system in Maybank makes it easier, for example, each one of these business and transactions can be carried out and paid at home if you are using Maybank online banking. Without the web bank, e-commerce would be difficult and we will have to do these businesses by ourselves because once you need it something from the internet you need to transfer the amount of money and which means going to the lender and do all the orders and this costs us time, effort and money.
Communications:
One kind of internet banking that Maybank has is Communicative and this kind of Internet bank operating system allows some relationship between the bank's systems and the customer. The interaction may be limited by electronic mail, accounts inquiry, applications, or static file posts (name and address changes). Because these servers may have a path to the bank's internal networks, the risk is higher with this settings than with informational systems.
Recommendations:
Here are some advice for Maybank in order to achieve an improved online banking:
Probably the very first thing to think about with online bank will be the convenience. I suggest for Maybank to provide us the access to the online bank anytime of the day by increasing their online system, because sometimes I must transfer money for emergency but when I make an effort to access my online bank I found it suspended and that is causes a whole lot of troubles.
Compare the web bank services in Maybank with other banks in order to offer the best services to the customers.
Train all the employees on questions customers will enquire about online banking in order to make them get a specific idea about any of it, because many people till now are still fearful of online bank and don't use it. I also suggest for Maybank to make adverts relating to this point.
As a summary, online banking is a part of Internet and all the transactions system occurs by the internet. Like the internet, online banking has his own services and the ones services such as copy money which can not be done without the internet and that is one the common things between them. It is suggested for Maybank to increase the convenience system and educate all the employees to make people get a definite idea about online banking.
Security Issues
Similarities/
- Secure Websites:
A secure website is a site using encryption and authentication benchmarks to protect the confidentiality of web trades.
Digital certificates:
Digital qualification is a kind of electronic credentials for the Internet. Digital license is given by a reliable third party to determine the identity of the Identification holder. The third get together who issues certificates is known as a Certification Authority (CA).
- Secure Sockets Coating (SSL) standard protocol from Verisign Certificate Expert. SSL is a secure way of transferring information between two computers on the Internet using encryption. Strong end to get rid of encryption is also adopted within the bank's computer systems and resources. To make sure data confidentiality and integrity, all information transmitted over the Internet is encrypted using the 128-little bit (maybank2u. com. my, 2010).
- Maybank2u. com is WebTrust accredited. This certifies our compliance with leading international security criteria and GUIDELINES, as well as our dedication to keeping a secure environment. WebTrust can be an independent organization that monitors and testing our facilities to assure that we keep up with the highest and most current standards in Internet information security and exchange (maybank2u. com. my, 2010).
As mentioned on (info. ssl. com, 2006) You will discover two ways to make sure that Maybank2u. com. my is a secure website:
1) Check the web page URL
Normally, when browsing the web, the URLs (website addresses) commence with the letters "http". However, over a secure connection the address viewed should commence with "https" - be aware the "s" by the end.
2) Check for the "Lock" icon
There is a de facto standard among web browsers to display a "lock" icon someplace in the windows of the web browser (NOT in the net page screen area!) For example, Microsoft WEB BROWSER displays the lock icon in the lower-right of the browser window:
As another example, Mozilla's FireFox BROWSER displays the lock icon in the lower-left corner.
-Backup:
Making copies of data so that these additional copies enable you to restore the initial after a data damage event.
Backup procedure
A backup technique represents the way you online backup your data files. Any backup procedure starts with a thought of your data repository. The back up data must be stored and organized. Therefore, it is important to build your backup procedure before choosing the backup solution that's right for you. Different backup treatment has different advantages.
Maybank has its own backup procedure accomplishing as follow:
Day of Week
Weekly Full Back-up with Daily Differential Backup
Weekly Full Backup with Daily Incremental Backup
Sunday
A full back up is performed.
A full back-up is conducted.
Monday
A differential back up is made up of all changes since Sunday.
An incremental backup is made up of changes since Weekend.
Tuesday
A differential back up consists of all changes since Weekend.
An incremental back-up is made up of changes since Monday.
Wednesday
A differential back-up contains all changes since Sunday.
An incremental back up contains changes since Tuesday.
Thursday
A differential backup contains all changes since Weekend.
An incremental backup contains changes since Wed.
Friday
A differential back up includes all changes since Weekend.
An incremental backup has changes since Thursday night.
Saturday
A differential back up is made up of all changes since Weekend.
An incremental backup contains changes since Friday.
Differences/
-Sensitive username and Password to access bank account online
To prevent unauthorised usage of our online financial services, every customer must decide on a username and an alphanumeric password, which provides access to their financial information. The username must be between 6 to 16 individuals and the alphanumeric security password between 8 to 12 people. The password must include both alphabets and figures but you may also use special people (e. g. & * $) except spaces (maybank2u. com. my, 2010).
-Phishing:
Phishing is a high-tech fraud that uses spam or pop-up announcements to attempt to deceive you into disclosing your credit card numbers, bank-account information, Social Security amount, passwords, and / other sensitive information. Phishing is the term coined by hackers who imitate reliable companies in e-mails to attract people to promote passwords or bank card numbers.
Report on phishing:
Maybank made a hotline which you are able to contact and survey about phishing and avoid being a sufferer of it. To safeguard yourself from being truly a sufferer of email or Text Phisihng! In the event that you receive suspicious emails, contact immediately at 03-5891 4744.
Real-Time-Systems
My loan provider technology system is functional now, but as a feasibility demonstration, not a backed product. Its capability to transfer funds between its inner micro acounts and exterior accounts via the Automated Clearing House is switched off. The name, my lender, is a place holder for an eventual company name.
Many online bank customers reuse their bank login credentials to access other websites, adding themselves at risk of account hijacking and online bank fraud, matching to a report by Trusteer Inc.
MY BANK-based online security vendor discovered that 73% of loan provider customers use their Internet bank password to gain access to non-financial -- and less secure -- websites. Forty-seven percent use both their online banking user Identification and security password on other websites.
The practice puts online banking customers at risk because criminals are utilizing a variety of methods -- including databases hacks, brute forcing and phishing -- to harvest login credentials from non-financial websites, such as sociable networking sites and Web-based email services, regarding to Trusteer. Thieves may then test the credentials on financial-services sites to hijack accounts and commit online banking fraud.
Money Trouble in my own BANK
A series of upsets could spell trouble for my bank's virtual economy
There's a long type of avatars waiting to utilize the automatic-teller machines for Ginko Financial, a digital bank in the web game Second Life. For greater than a week, members have been challenging their money back in what some people are phoning a standard bank run.
Set off by high interest rates and a recently available ban on in-game gambling, the bank run could ultimately have a major effect on the game's economy. The theft of approximately $12, 000 from the My loan provider World STOCK MARKET doesn't help matters either.
My bank, is an online world where players can buy and sell all types of goods and services. The game's overall economy is dependant on fictional currency, called Linden us dollars. But those us dollars do have real-world value: players can purchase or sell Linden us dollars for a price around L$270 to $1 on the Lindex market. My bank's website even offers that "thousands of residents are making part or all of their true to life income off their My bank businesses. "
Now the entire My standard bank economy--which could impact more than 8. 5 million players--is in trouble.
Although finance institutions in My lender are careful to define themselves as games, some My loan company lenders offer more than completely total annual interest--a tempting rate when combined with the likelihood of turning Lindens into U. S. dollars via the Lindex. Right along with the promise of turning digital money into real-life riches are issues with how some Second Life finance institutions are run, says Robert Bloomfield, an economist at Cornell University who makes a significant hobby of studying My bank's overall economy.
"The average person who goes to a [real-world] standard bank isn't aware that there's a large regulatory body keeping track of the reserves the bank has, " he says. But bankers in Second Life, which Bloomfield compares with the Crazy West, are incomprehensible and unregulated. Ginko Financial's CEO, Andre Sanchez, of Sao Paolo, Brazil, has refused to release records of Ginko's opportunities or credit history, and he has not revealed a clear plan for going back people's money
NOW THER IS 3 Reasons Never to Use Online Bank Accounts
* Customer Service with Online Loan provider Accounts One reason to avoid online banks is that you might run into bad customer service. Which has a brick-and-mortar bank, you'll likely have some knowledge of the personnel. At a small credit union, the staff might know you well.
Why does indeed this matter? It's easier to get good service if you understand the staff and they know you. You may pick and choose who you deal with. However, if your online bank-account offers any phone service, you have to take your chances with the "1-800 Lottery". You might get somebody helpful and experienced, or you will possibly not.
* Online Standard bank Accounts and Speed of Clearing
The internet is supposed to make things faster. However, it's likely you have to wait a long time for inspections to clear. You can't ask for a cashier's check if you're in the center of a crisis and you will need settled money last night.
Likewise, deposits to your online bank-account can be really slow. In the event that you get a big check and want to start earning interest, you will probably wait. Now, the bigger APY you earn may still make it well worth your while, but it's just no fun to hold back.
* You Can't Spend It From Your Online Standard bank Account
You can't take it with you when you go, so why not use some of that money? Online standard bank accounts make it hard to spend your money. You really have to plan on keeping your money in the accounts.
Here Are Six Recommendations for Better Online Banking
Banking were not easier than it is now. Online banking gives you to access your bank at any time of day or night. You can certainly do this even putting on your underwear if you want. If you wish to achieve it this way, it's equally well as the lack of lines to wait in the bankers on the Internet.
1. The very first thing to consider with online bank will be a comfort. You are able to access your money by using the Internet at any time of day or night, even when lying down in bed should you want to.
2. Offer on the Internet in general is a lot cheaper than the ones that do several prescription at a branch loan company. It is easy to pay bills, and cash exchanges, check balances, in addition to a lot more for significantly less.
3. Cost savings accounts via the web is worth factor. Interest levels are usually higher as well, and lower fees than traditional brick and mortar bank branches.
4. Your computer offers simple ways to help you remember the details of your login. But do not use the "Remember my password" option if the computer is proposing it. Keep up with the login details of your lender is very safe and highly categorized, too.
5. Almost all the banking companies on the web and will enable you to change your security password.
This can be a very good idea and also something you want to do frequently. Of course, you need to keep in mind also the new password in every time it is modified.
Conclusion
Briefly, online banking system in Maybank is the easiest way for people to perform bank activities since it will save you time and efforts. Maybank also make it easy for people to apply because of this service just by going to the ATM machine and follow the instructions. The machine provides a great deal advantages over disadvantages make people trusting the machine. The impact of the system was obvious in the last years by the increasing of users. It also damaged businesses and companies by facilitating their deals system.
