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Донецкий политехнический техникум 2010
Banking and finance Mini-research project
TASKS During the lesson you must show us how well you know active vocabulary to tell about banking and finance ; how well you know terms to describe and analyse the principle of banking ; how well you can choose necessary information from foreign sources and analyse and present it ; how well you can use computer programmes for making computer presentations.
The main aim of the lesson is : To present in English the result of your project work . To present the new modern types of Banking.
Match the banking words with the illustrations below. a b c d e f g h i j 1 chequebook (US checkbook) 6 bank notes (US bills) 2 bank statement 7 coins 3 credit card or debit card 8 keyboard 4 bill (US check) 9 screen 5 traveller's cheques 10 cash machine or cashpoint (US traveler's checks) (US ATM)
check how much money you had in your bank account several weeks ago? take money with you for a visit to a foreign country? see how much you have to pay for the electricity you used last month? send payment by post? take money out of your account on a Sunday? Which of the items would you use if you needed to a b c d e f g h i j
Here is some information about banks in Britain. Is the same true for banks in your country? Mark each sentence same or different.
Match the banking terms in A with their explanations in B. A B withdraw overdraft financial record charges savings account minimum balance checking account check card an account that allows you to make payments by check; the sum of money that should always be in your account if you do not want to be charged for bank services; spending more money than you have on your account; a card that is like a credit card but does not let you spend more money than you have in your account; the history of your financial dealings and income; an account that allows you to get a small interest; money that you have to pay for some services; take money out of your account.
Complete the sentences below using banking terms from the exercise above (column A).
Traditional banking Telephone banking e-banking + personal service + convenient, + convenient, quick quick - inconvenient, - impersonal, -impersonal, time-consuming, may be possible queues, difficult toget through security risk
Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank,credit union or building society.
Features commonly unique to Internet banking include Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.
History The precursor for the modern home online banking services were the distance banking services over electronic media from the early 1980s. The term online became popular in the late '80s and referred to the use of a terminal, keyboard and TV (or monitor) to access the banking system using a phone line. Today, many banks are internet only banks.
Online-only banks have a few additional drawbacks: an account holder has to mail in deposits (other than direct deposits), and some services that traditional banks offer are difficult or impossible for online-only banks to offer, such as traveler's checks and cashier's checks.
The End Online banking promises you first-class banking direct to your home.
Project on Mobile Banking
History of Mobile Banking
Early 2000s Banks faced mobile banking challenges in the early part of the decade. Consumers found it difficult to view their financial information on the small cell phone screens that were common at the time.
Mid-2000s As the size and capabilities of mobile devices increased, so did the effectiveness of mobile banking. Banks introduced services that accommodated more types of cell phones and mobile devices, including smart phones.
2008 and Beyond In 2008, smaller banks began to offer mobile banking. More customers of large banks were also using the service. As of February 2009, over 1.9 million customers were using Bank of America's mobile service in the U.S
Mobile Banking Projects
Definition of Mobile Banking One project focusing on mobile banking is simply identifying what the term covers. There are various types of e-banking options for busy individuals on the market. Defining what mobile banking is by comparing the term to other e-banking definitions can not only help define the term, but put it in perspective with the various e-banking alternatives.
Mobile Banking vs. e-Banking E-banking, commonly defined as doing your personal banking using the computer and Internet, is a popular method of doing banking at home. Comparing e-banking with mobile banking is another project idea. You can do a comparison between mobile banking and online banking, for example, in terms of accessibility and security for the users. While e-banking often requires a computer, mobile banking simply requires an Internet-enabled mobile device.
Mobile Banking Strategies
Mobile Banking Strategies Many banks offer online access to customers. This means that you can pay bills and transfer money without having to visit your local branch. It's best to make sure that the online account is activated before you leave. Security procedures and verification of your identity are sometimes required.
Challenges of Mobile Banking
Coverage One of the biggest challenges of mobile banking is cellular coverage. Across the country there are a number of different providers, but there is not necessarily nationwide coverage for these providers. Bank users may not realize this and can end up with a large cell phone bill full of charges. Other users may not be able to access their mobile banking at all in different parts of the country.
Security Security can be an issue with mobile banking although there are a number of government regulations with which cell phone providers must comply. Fraud protection must be developed within the cell phone company. Network security is out of the control of the bank as well as data access and use.
Use the mobile banking. It is convenient and easy. The End.