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Added Mobile Security for On-line Banking (website 3)

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Added Mobile Security for On-line Banking (website 3)

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Samsung, one of the leading mobile phone manufacturers have introduced a new method to improve security for those who uses on-line banking apps with their smart phones. They have introduced an iris scanner for their new latest device, the note 7. Brushing over the fact the phone was taken out of the market for its exploding battery issue, Samsung was planning to collaborate with major banks to implement the iris scanner technology to provide more security to the on-line banking customers.

URL: https://news.samsung.com/global/everything-you-need-to-know-about-the-galaxy-note7s-iris-scanner

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In the unlikely event you experience a TD account loss resulting from a transaction through a TD online or mobile service, that you did not authorize, you will receive 100% reimbursement of those account losses provided you have met your security responsibilities.

TD and many other banks that offers the security guarantee states they will provide a 100% reimbursement of the money lost due to a security hack. As discussed in the Scotia Bank On-line Security video, all banks have taken great steps to secure the user's account. The guarantee comes with certain guidelines. Therefore, the only time this guarantee would work, is if the security precautions the bank has taken would fail.

URL: https://www.tdcanadatrust.com/products-services/banking/electronic-banking/access-card-security/guarantee.jsp

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Scotia bank, and others that uses on-line banking have improved their security levels. They have added high levels of encryption programs, added firewalls, and monitoring to ensure the financial and identity safety of their customers. They have added a notification system to let the user know when they have made a purchase. This allows the user to identify if a theft of the account was made. Due to these features, they are able to provide a security guarantee for their customers.
URL: https://youtu.be/R5qmPXXDQQE

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                                                                                                                                 Security Improvements 

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                                                                                                                                 Security Improvements 

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Zag and EQ Bank are on-line only banks. These banks offer their customers no fee accounts, on-line and mobile features, and multiple other features. They're able to offer these features for little to no cost, because they don't have physical infrastructure. This allows them to pass the savings to their customers. However, they do not have any ATM's, which causes an inconvenience to the customers. In time, they may be able to reach the levels of Tangerine, and PC Financial.
URL: http://youngandthrifty.ca/wp-content/uploads/2016/06/Online-Banks-3.jpg

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The TD MySpend allows the user to see if the user is spending more than usual. It tracks the transaction that are made and put it into categories such as shopping, groceries, dining out, home etc. Other banks also offer similar apps. However, the TD app has more in-depth features in comparison to the other apps. Therefore, with the introduction of on-line banking, users are given more convenient and smarter ways to keep track of their money.

URL: https://www.tdcanadatrust.com/products-services/banking/electronic-banking/mobile/tdmyspend.jsp
**Click the image to open the link to the video**

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Stay on top of your spending

The TD MySpend companion app is the perfect addition to your TD app. To use TD MySpend, the TD app must also be installed on your device. Then, you can keep track of your monthly spending and help improve your spending habits!

Easy to Set-Up and Use

TD MySpend securely connects to your eligible TD Accounts. TD automatically tracks your transactions and categorizes them for you. No need to enter expenses, or manually link your TD Accounts.

Spending Notifications

Get real-time notifications every time there's a transaction in an eligible category, or review your spending from the previous day with Daily Digest notifications, or choose both. That way, you can keep an eye on your spending.

Track Your Spending over Time

Use the Spending Insights Meter to help you keep track of how you're doing compared to your typical monthly spend. You will be able to access your Spending History (up to the previous 12 months), so you can see exactly where your money went.

Frequently asked questions

The TD app and the TD MySpend app are free to download, however standard wireless carrier message and data rates may apply.

All trade-marks are the property of their respective owners.

Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

TM Google Play is a trade-mark of Google Inc.

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The TD MySpend companion app is the perfect addition to your TD app. To use TD MySpend, the TD app must also be installed on your device. Then, you can keep track of your monthly spending and help improve your spending habits! Easy to Set-Up and Use TD MySpend securely connects to your eligible TD Accounts.

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With the addition of on-line banking, many new features have been added to aid in the convenience of the bank’s customers. One of the many new features is the interact e-transfer. This feature allows for the user to receive and send money to anyone, anywhere, by using a person’s e-mail address. This is more secure way of sending money without having to share senders personal banking information. Some banks charges a fee for this feature, but most offers this feature for free.

URL: http://interac.ca/en/interac-e-transfer-consumer.html

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                                                                                                                   Customer Features and Advantages

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                                                                                                                   Customer Features and Advantages

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Tangerine is one of the leaders in on-line banks. They have minimized the number of physical banks, and switched to an almost complete on-line based banking system. This is similar to President Choice Financial, with minor differences. Tangerine is able to offer the customers a low bank fees and higher interests on savings accounts. Tangerine uses Scotia Bank ATM's to provide physical service to their customers. Therefore, you receive the savings of on-line banking, but still get the convenience of being able to use an ATM.

URLs: https://youtu.be/Lemu4VPBJDQ

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You work hard for your money. Does your bank? Welcome to Tangerine - where Canadians earn more, save more, and keep more. That's Forward Banking https://www.tangerine.ca

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On-line banking = More Competition (Picture 2)

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On-line banking = More Competition (Picture 2)

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Because the low cost of running a website compares to using  a physical branch is great. These cost cutting leads to more competition. Therefore, banks have begun to provide lowered fees, more convenient forms of customer service, higher interest rates for saving options, and lowered interest rates on credit options.
URL: http://youngandthrifty.ca/wp-content/uploads/2016/06/Online-Banks-3.jpg

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                                                                                                                                         Cost Savings

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                                                                                                                                         Cost Savings

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On-line Banking Features and Benefits (Website 1)

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On-line Banking Features and Benefits (Website 1)

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RBC bank has some information regarding the advantages of on-line banking. RBC on-line banking allows the users to view or manage the user’s accounts, pay bills and transfer funds, provide banking alerts, manage investments, managing loans and credit, and to even apply for insurance. These options can also be completed by visiting a local branch, but the on-line banking allows the user to use these features, anywhere in the world, at any time of the day.

URL: http://www.rbcroyalbank.com/online/features.html

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                                                                                                                                    What is this about?

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                                                                                                                                    What is this about?

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The modern society spend a large amount of their day to day lives in the on-line world. Therefore, it only makes logical sense for banks to make use of the on-line resources as well. The addition of on-line banking can improve service to the customers, reduce costs, and improve benefits for the customers. However, with all these benefits, there are still security risks and other factors that effects on-line banking.