Questões de Concurso
Sobre interpretação de texto | reading comprehension em inglês
Foram encontradas 9.443 questões
R. L. Brauer. Safety and health for engineers. New Jersey: Wiley, 2006, p. 10 (adapted).
According to the text above, judge the next item.
Even though the verbs “should” (l.6) and “must” (l.8) have
different meanings, they can be used interchangeably in the
text without invalidating the author’s plea.
Judge the following item according to the text above.
The author uses engineering as an instance of specialization of
a field of knowledge in order to support his argument.
Judge the following item according to the text above.
According to the text, specialization arises from the need to
prevent certain dimensions of a field from becoming obsolete
after they had been recognized as established or traditional
areas.
TEXT II:
City hall braces for busy marriage day
If love is all you need, you’ll want for nothing in New York Thursday.
The folks who hand out marriage licenses are bracing for what could be their busiest day ever as Valentine’s Day romantics head to the aisle.
“When we are really busy, we have a second chapel we can open,” said First Deputy City Clerk Michael McSweeney. “We are preparing to do that. We’re expecting a lot of couples.”
City Hall’s unofficial record of 318 weddings on that date was set on Valentine’s Day 2002 - also on a Thursday.
And love is definitely in the air Thursday.
Melanie and Joseph Castine married on Valentine’s Day 10 years ago. Today, they’re renewing their vows in the same venue - the Empire State Building.
The couple, who recently moved from Roosevelt Island to Philadelphia, won a letter-writing competition with Brides.com to become one of 14 pairs tying the knot in the iconic building.
“Valentine’s Day is just the perfect day to do it,” said Melanie Castine, who, with her hubby, has been at the skyscraper every year to mark their anniversary.
“Everywhere you go in Manhattan, you can see the Empire State Building. It’s a constant reminder of our marriage. We call it our chapel in the sky.”
Meanwhile, love is being put on ice at one of the city’s most romantic spots.
Rockefeller Center is preparing to clear its rink at 8 p.m for a skater planning to get down on one knee for a surprise engagement.
“It’s a big surprise for her, but we’re sure it’s going to be extremely romantic,” a rink spokeswoman said.
(Available from: http://www.nydailynews.com/news/2008/02/14/2008-02-14 city hall braces for busy marriage day-1.html cited: 14 Feb. 2008)
According to the text above, judge the next item.
The text claims that engineers are as much responsible for the reduction of risks in modern society as any other professional, because they “cannot bear the total blame” (l.3).
According to the text above, judge the next item.
The risks to safety and health mentioned in “reducing risks
posed to society” (l.1-2) are caused by the work of engineers
in their “procedures and design decisions” (l.10-11).
I. M. Flynn and A. M. MacHoes. Understanding operating systems.
Boston: PWS Publishing Company, 1997, p. 226. (adapted).
According to the text above, judge the next item.
In the course of time information replaced hardware as the
main concern when it comes to network systems.
M. J. Palmer and M. Walters. Guide to operating systems.
Boston: Cengage Learning, 2012, p. 2 (adapted).
Based on the text above, judge the following item.
Sometimes an operating system is necessary in order to get a
computer to work.
M. J. Palmer and M. Walters. Guide to operating systems.
Boston: Cengage Learning, 2012, p. 2 (adapted).
Based on the text above, judge the following item.
Although there is a large quantity of operating systems, only a
small number of them have been successful in becoming
popular.
M. J. Palmer and M. Walters. Guide to operating systems.
Boston: Cengage Learning, 2012, p. 2 (adapted).
Based on the text above, judge the following item.
The word “it” (l.6) refers back to “The operating system”
(l.3-4.)
City hall braces for busy marriage day
If love is all you need, you’ll want for nothing in New York Thursday.
The folks who hand out marriage licenses are bracing for what could be their busiest day ever as Valentine’s Day romantics head to the aisle.
“When we are really busy, we have a second chapel we can open,” said First Deputy City Clerk Michael McSweeney. “We are preparing to do that. We’re expecting a lot of couples.”
City Hall’s unofficial record of 318 weddings on that date was set on Valentine’s Day 2002 - also on a Thursday.
And love is definitely in the air Thursday.
Melanie and Joseph Castine married on Valentine’s Day 10 years ago. Today, they’re renewing their vows in the same venue - the Empire State Building.
The couple, who recently moved from Roosevelt Island to Philadelphia, won a letter-writing competition with Brides.com to become one of 14 pairs tying the knot in the iconic building.
“Valentine’s Day is just the perfect day to do it,” said Melanie Castine, who, with her hubby, has been at the skyscraper every year to mark their anniversary.
“Everywhere you go in Manhattan, you can see the Empire State Building. It’s a constant reminder of our marriage. We call it our chapel in the sky.”
Meanwhile, love is being put on ice at one of the city’s most romantic spots.
Rockefeller Center is preparing to clear its rink at 8 p.m for a skater planning to get down on one knee for a surprise engagement.
“It’s a big surprise for her, but we’re sure it’s going to be extremely romantic,” a rink spokeswoman said.
(Available from: http://www.nydailynews.com/news/2008/02/14/2008-02-14 city hall braces for busy marriage day-1.html cited: 14 Feb. 2008)
City hall braces for busy marriage day
If love is all you need, you’ll want for nothing in New York Thursday.
The folks who hand out marriage licenses are bracing for what could be their busiest day ever as Valentine’s Day romantics head to the aisle.
“When we are really busy, we have a second chapel we can open,” said First Deputy City Clerk Michael McSweeney. “We are preparing to do that. We’re expecting a lot of couples.”
City Hall’s unofficial record of 318 weddings on that date was set on Valentine’s Day 2002 - also on a Thursday.
And love is definitely in the air Thursday.
Melanie and Joseph Castine married on Valentine’s Day 10 years ago. Today, they’re renewing their vows in the same venue - the Empire State Building.
The couple, who recently moved from Roosevelt Island to Philadelphia, won a letter-writing competition with Brides.com to become one of 14 pairs tying the knot in the iconic building.
“Valentine’s Day is just the perfect day to do it,” said Melanie Castine, who, with her hubby, has been at the skyscraper every year to mark their anniversary.
“Everywhere you go in Manhattan, you can see the Empire State Building. It’s a constant reminder of our marriage. We call it our chapel in the sky.”
Meanwhile, love is being put on ice at one of the city’s most romantic spots.
Rockefeller Center is preparing to clear its rink at 8 p.m for a skater planning to get down on one knee for a surprise engagement.
“It’s a big surprise for her, but we’re sure it’s going to be extremely romantic,” a rink spokeswoman said.
(Available from: http://www.nydailynews.com/news/2008/02/14/2008-02-14 city hall braces for busy marriage day-1.html cited: 14 Feb. 2008)
Use It Better: The Smart Ways to Pick Passwords
Four strategies for keeping your information safe
By David Pogue, September 7, 2011
If you want to be absolutely secure, you should make up a different password for every single Web site you visit. Each password should have at least 16 characters, and it should contain a scramble of letters, numbers, and punctuation; it should contain no recognizable words. You should change all of these passwords every couple of weeks. And you should not write any of them down anywhere.
That, at least, is what security experts advise. Unfortunately, they leave out the part about the 15 minutes you’d have to spend with flash cards before bed each night, trying to remember all those utterly impractical passwords.
There are, fortunately, more sensible ways to incorporate passwords into your life. You won’t be as secure as the security experts would like, but you’ll find a much better balance between protection and convenience.
♦ The “security through brevity” technique. My teenage son’s smartphone password is only a single character. It’s fast and easy to type. But a random evildoer picking up his phone doesn’t know that; he just sees “Enter password” and gives up − so, in its way, it’s just as secure as a long password. (Of course, I may have just blown it by publishing his little secret.)
♦ Password keepers. The world is full of utility programs for your Mac, PC or app phone that memorize all your Web passwords for you. They’re called things like RoboForm, Account Logon, and (for the Mac) 1Password. Each asks you for a master password that unlocks all the others; after that, you get to surf the Web freely, admiring how the software not only remembers your passwords and contact information, but fills in the Web forms for you automatically.
♦ The “disguised English word” technique. Having your passwords guessed by ne’er-do-wells online doesn’t happen often, but you do hear about such cases. The bad guys start by using “dictionary attacks” − software that tries every word in the dictionary, just in case you were dumb enough to make your password something like “password” or your first name. (These special dictionaries also contain common names, places, number combinations and phrases such as “ilovemycat.”)
That’s why conventional wisdom suggests disguising your password by changing a letter or two into numbers or symbols. Instead of “supergirl,” choose “supergir!” or “supergir1,” for example. That way, you’ve thwarted the dictionary attacks without decreasing the memorizability.
♦ The multi-word approach. Another good password technique is to run words together, like “picklenose” or “toothygrin.” Pretty easy to remember, but tough for a dictionary attack to guess.
(Adapted from http://www.scientificamerican.com/article.cfm?id=pogue-use-it-better-smart-ways-pick-passwords)
Use It Better: The Smart Ways to Pick Passwords
Four strategies for keeping your information safe
By David Pogue, September 7, 2011
If you want to be absolutely secure, you should make up a different password for every single Web site you visit. Each password should have at least 16 characters, and it should contain a scramble of letters, numbers, and punctuation; it should contain no recognizable words. You should change all of these passwords every couple of weeks. And you should not write any of them down anywhere.
That, at least, is what security experts advise. Unfortunately, they leave out the part about the 15 minutes you’d have to spend with flash cards before bed each night, trying to remember all those utterly impractical passwords.
There are, fortunately, more sensible ways to incorporate passwords into your life. You won’t be as secure as the security experts would like, but you’ll find a much better balance between protection and convenience.
♦ The “security through brevity” technique. My teenage son’s smartphone password is only a single character. It’s fast and easy to type. But a random evildoer picking up his phone doesn’t know that; he just sees “Enter password” and gives up − so, in its way, it’s just as secure as a long password. (Of course, I may have just blown it by publishing his little secret.)
♦ Password keepers. The world is full of utility programs for your Mac, PC or app phone that memorize all your Web passwords for you. They’re called things like RoboForm, Account Logon, and (for the Mac) 1Password. Each asks you for a master password that unlocks all the others; after that, you get to surf the Web freely, admiring how the software not only remembers your passwords and contact information, but fills in the Web forms for you automatically.
♦ The “disguised English word” technique. Having your passwords guessed by ne’er-do-wells online doesn’t happen often, but you do hear about such cases. The bad guys start by using “dictionary attacks” − software that tries every word in the dictionary, just in case you were dumb enough to make your password something like “password” or your first name. (These special dictionaries also contain common names, places, number combinations and phrases such as “ilovemycat.”)
That’s why conventional wisdom suggests disguising your password by changing a letter or two into numbers or symbols. Instead of “supergirl,” choose “supergir!” or “supergir1,” for example. That way, you’ve thwarted the dictionary attacks without decreasing the memorizability.
♦ The multi-word approach. Another good password technique is to run words together, like “picklenose” or “toothygrin.” Pretty easy to remember, but tough for a dictionary attack to guess.
(Adapted from http://www.scientificamerican.com/article.cfm?id=pogue-use-it-better-smart-ways-pick-passwords)
Use It Better: The Smart Ways to Pick Passwords
Four strategies for keeping your information safe
By David Pogue, September 7, 2011
If you want to be absolutely secure, you should make up a different password for every single Web site you visit. Each password should have at least 16 characters, and it should contain a scramble of letters, numbers, and punctuation; it should contain no recognizable words. You should change all of these passwords every couple of weeks. And you should not write any of them down anywhere.
That, at least, is what security experts advise. Unfortunately, they leave out the part about the 15 minutes you’d have to spend with flash cards before bed each night, trying to remember all those utterly impractical passwords.
There are, fortunately, more sensible ways to incorporate passwords into your life. You won’t be as secure as the security experts would like, but you’ll find a much better balance between protection and convenience.
♦ The “security through brevity” technique. My teenage son’s smartphone password is only a single character. It’s fast and easy to type. But a random evildoer picking up his phone doesn’t know that; he just sees “Enter password” and gives up − so, in its way, it’s just as secure as a long password. (Of course, I may have just blown it by publishing his little secret.)
♦ Password keepers. The world is full of utility programs for your Mac, PC or app phone that memorize all your Web passwords for you. They’re called things like RoboForm, Account Logon, and (for the Mac) 1Password. Each asks you for a master password that unlocks all the others; after that, you get to surf the Web freely, admiring how the software not only remembers your passwords and contact information, but fills in the Web forms for you automatically.
♦ The “disguised English word” technique. Having your passwords guessed by ne’er-do-wells online doesn’t happen often, but you do hear about such cases. The bad guys start by using “dictionary attacks” − software that tries every word in the dictionary, just in case you were dumb enough to make your password something like “password” or your first name. (These special dictionaries also contain common names, places, number combinations and phrases such as “ilovemycat.”)
That’s why conventional wisdom suggests disguising your password by changing a letter or two into numbers or symbols. Instead of “supergirl,” choose “supergir!” or “supergir1,” for example. That way, you’ve thwarted the dictionary attacks without decreasing the memorizability.
♦ The multi-word approach. Another good password technique is to run words together, like “picklenose” or “toothygrin.” Pretty easy to remember, but tough for a dictionary attack to guess.
(Adapted from http://www.scientificamerican.com/article.cfm?id=pogue-use-it-better-smart-ways-pick-passwords)
Use It Better: The Smart Ways to Pick Passwords
Four strategies for keeping your information safe
By David Pogue, September 7, 2011
If you want to be absolutely secure, you should make up a different password for every single Web site you visit. Each password should have at least 16 characters, and it should contain a scramble of letters, numbers, and punctuation; it should contain no recognizable words. You should change all of these passwords every couple of weeks. And you should not write any of them down anywhere.
That, at least, is what security experts advise. Unfortunately, they leave out the part about the 15 minutes you’d have to spend with flash cards before bed each night, trying to remember all those utterly impractical passwords.
There are, fortunately, more sensible ways to incorporate passwords into your life. You won’t be as secure as the security experts would like, but you’ll find a much better balance between protection and convenience.
♦ The “security through brevity” technique. My teenage son’s smartphone password is only a single character. It’s fast and easy to type. But a random evildoer picking up his phone doesn’t know that; he just sees “Enter password” and gives up − so, in its way, it’s just as secure as a long password. (Of course, I may have just blown it by publishing his little secret.)
♦ Password keepers. The world is full of utility programs for your Mac, PC or app phone that memorize all your Web passwords for you. They’re called things like RoboForm, Account Logon, and (for the Mac) 1Password. Each asks you for a master password that unlocks all the others; after that, you get to surf the Web freely, admiring how the software not only remembers your passwords and contact information, but fills in the Web forms for you automatically.
♦ The “disguised English word” technique. Having your passwords guessed by ne’er-do-wells online doesn’t happen often, but you do hear about such cases. The bad guys start by using “dictionary attacks” − software that tries every word in the dictionary, just in case you were dumb enough to make your password something like “password” or your first name. (These special dictionaries also contain common names, places, number combinations and phrases such as “ilovemycat.”)
That’s why conventional wisdom suggests disguising your password by changing a letter or two into numbers or symbols. Instead of “supergirl,” choose “supergir!” or “supergir1,” for example. That way, you’ve thwarted the dictionary attacks without decreasing the memorizability.
♦ The multi-word approach. Another good password technique is to run words together, like “picklenose” or “toothygrin.” Pretty easy to remember, but tough for a dictionary attack to guess.
(Adapted from http://www.scientificamerican.com/article.cfm?id=pogue-use-it-better-smart-ways-pick-passwords)
What Is the Definition of Online Banking?
The brick-and-mortar bank is the bank customers may use for banking. It is the bank where customers go to deposit checks, withdraw money, transfer money, and it's also the bank used to pay bills by mail. Brick-and-mortar banks ..A.. . Today's world of banking is more efficient. With online banking, customers rarely need to walk into a bank. Most of their banking is available through their computer.
Online banking is also called brick-to-click banking, according to bankrate.com, as well as electronic banking or Internet banking. It is a bank that gives customers the option of using checks, depositing money and transferring money at their physical location, or the option to do most of their banking on their computer. They can log on to their site and transfer between accounts, pay bills, use automatic deposits and check balances in all their accounts. If they need cash, they can make withdrawals using their ATM card or debit card. The only time they may need to enter an actual bank is to deposit a paper check or see a loan officer.
History
According to "Banking and Finance on the Internet," a book edited by Mary J. Cronin, online banking was first introduced in the early 1980s when four New York banks − Citibank, Chase Manhattan, Chemical and Manufacturers Hanover − offered home banking services. The systems were quite ..B.. to use and did not prove to be very popular. In the U.K., it was Nottingham Building Society that in 1983 offered the first electronic home banking system.
How it Works
In order to use e-banking, customers need access to a personal computer and Internet connection. When they register for ebanking, they are asked to provide a login name and password. Additionally, each time they want to access their account they might be required to answer a security question, which minimizes the risk of someone else accessing their account.
Features
Online banking allows customers to access their bank account from their computer 24 hours a day. With a password and a secure system, they can view all their accounts, move their money around, open new accounts, pay loans, access past months, print off transactions and electronically pay bills. With an ATM card, they have 24-hour access to ATMs across the country. With a debit card, they can pay bills at any store instead of writing a check. The bank automatically deducts from their checking account.
Virtual Banking
Besides the brick-to-click banks, there are virtual banks that do not have a physical location or personnel. They offer the same services as a regular bank and must follow the same federal guidelines. ....CONJUNCTION ... they do not have the overhead of buildings and personnel, they can offer better deals on loans and higher returns on savings.
Advantages of E-Banking
For customers, convenience is probably the main advantage, because it allows them to access their accounts whenever they want, and perform transactions from the comfort of their home. Almost equally important is ubiquity, because e-banking is available from any internet-connected computer anywhere in the world. For banks, e-banking means lower operating costs, as they need fewer branches and staff. Last but not least, it means new revenue opportunities, because e-banking attracts new, usually higher-income clients.
Disadvantages of E-Banking
For customers, it takes time to learn how to use e-banking facilities and, more importantly, to trust their bank's website and stop worrying about security issues. For banks, it means investing more in equipment and highly trained staff to run the website and necessary software.
(Adapted from http://www.ehow.com)
What Is the Definition of Online Banking?
The brick-and-mortar bank is the bank customers may use for banking. It is the bank where customers go to deposit checks, withdraw money, transfer money, and it's also the bank used to pay bills by mail. Brick-and-mortar banks ..A.. . Today's world of banking is more efficient. With online banking, customers rarely need to walk into a bank. Most of their banking is available through their computer.
Online banking is also called brick-to-click banking, according to bankrate.com, as well as electronic banking or Internet banking. It is a bank that gives customers the option of using checks, depositing money and transferring money at their physical location, or the option to do most of their banking on their computer. They can log on to their site and transfer between accounts, pay bills, use automatic deposits and check balances in all their accounts. If they need cash, they can make withdrawals using their ATM card or debit card. The only time they may need to enter an actual bank is to deposit a paper check or see a loan officer.
History
According to "Banking and Finance on the Internet," a book edited by Mary J. Cronin, online banking was first introduced in the early 1980s when four New York banks − Citibank, Chase Manhattan, Chemical and Manufacturers Hanover − offered home banking services. The systems were quite ..B.. to use and did not prove to be very popular. In the U.K., it was Nottingham Building Society that in 1983 offered the first electronic home banking system.
How it Works
In order to use e-banking, customers need access to a personal computer and Internet connection. When they register for ebanking, they are asked to provide a login name and password. Additionally, each time they want to access their account they might be required to answer a security question, which minimizes the risk of someone else accessing their account.
Features
Online banking allows customers to access their bank account from their computer 24 hours a day. With a password and a secure system, they can view all their accounts, move their money around, open new accounts, pay loans, access past months, print off transactions and electronically pay bills. With an ATM card, they have 24-hour access to ATMs across the country. With a debit card, they can pay bills at any store instead of writing a check. The bank automatically deducts from their checking account.
Virtual Banking
Besides the brick-to-click banks, there are virtual banks that do not have a physical location or personnel. They offer the same services as a regular bank and must follow the same federal guidelines. ....CONJUNCTION ... they do not have the overhead of buildings and personnel, they can offer better deals on loans and higher returns on savings.
Advantages of E-Banking
For customers, convenience is probably the main advantage, because it allows them to access their accounts whenever they want, and perform transactions from the comfort of their home. Almost equally important is ubiquity, because e-banking is available from any internet-connected computer anywhere in the world. For banks, e-banking means lower operating costs, as they need fewer branches and staff. Last but not least, it means new revenue opportunities, because e-banking attracts new, usually higher-income clients.
Disadvantages of E-Banking
For customers, it takes time to learn how to use e-banking facilities and, more importantly, to trust their bank's website and stop worrying about security issues. For banks, it means investing more in equipment and highly trained staff to run the website and necessary software.
(Adapted from http://www.ehow.com)
What Is the Definition of Online Banking?
The brick-and-mortar bank is the bank customers may use for banking. It is the bank where customers go to deposit checks, withdraw money, transfer money, and it's also the bank used to pay bills by mail. Brick-and-mortar banks ..A.. . Today's world of banking is more efficient. With online banking, customers rarely need to walk into a bank. Most of their banking is available through their computer.
Online banking is also called brick-to-click banking, according to bankrate.com, as well as electronic banking or Internet banking. It is a bank that gives customers the option of using checks, depositing money and transferring money at their physical location, or the option to do most of their banking on their computer. They can log on to their site and transfer between accounts, pay bills, use automatic deposits and check balances in all their accounts. If they need cash, they can make withdrawals using their ATM card or debit card. The only time they may need to enter an actual bank is to deposit a paper check or see a loan officer.
History
According to "Banking and Finance on the Internet," a book edited by Mary J. Cronin, online banking was first introduced in the early 1980s when four New York banks − Citibank, Chase Manhattan, Chemical and Manufacturers Hanover − offered home banking services. The systems were quite ..B.. to use and did not prove to be very popular. In the U.K., it was Nottingham Building Society that in 1983 offered the first electronic home banking system.
How it Works
In order to use e-banking, customers need access to a personal computer and Internet connection. When they register for ebanking, they are asked to provide a login name and password. Additionally, each time they want to access their account they might be required to answer a security question, which minimizes the risk of someone else accessing their account.
Features
Online banking allows customers to access their bank account from their computer 24 hours a day. With a password and a secure system, they can view all their accounts, move their money around, open new accounts, pay loans, access past months, print off transactions and electronically pay bills. With an ATM card, they have 24-hour access to ATMs across the country. With a debit card, they can pay bills at any store instead of writing a check. The bank automatically deducts from their checking account.
Virtual Banking
Besides the brick-to-click banks, there are virtual banks that do not have a physical location or personnel. They offer the same services as a regular bank and must follow the same federal guidelines. ....CONJUNCTION ... they do not have the overhead of buildings and personnel, they can offer better deals on loans and higher returns on savings.
Advantages of E-Banking
For customers, convenience is probably the main advantage, because it allows them to access their accounts whenever they want, and perform transactions from the comfort of their home. Almost equally important is ubiquity, because e-banking is available from any internet-connected computer anywhere in the world. For banks, e-banking means lower operating costs, as they need fewer branches and staff. Last but not least, it means new revenue opportunities, because e-banking attracts new, usually higher-income clients.
Disadvantages of E-Banking
For customers, it takes time to learn how to use e-banking facilities and, more importantly, to trust their bank's website and stop worrying about security issues. For banks, it means investing more in equipment and highly trained staff to run the website and necessary software.
(Adapted from http://www.ehow.com)
What Is the Definition of Online Banking?
The brick-and-mortar bank is the bank customers may use for banking. It is the bank where customers go to deposit checks, withdraw money, transfer money, and it's also the bank used to pay bills by mail. Brick-and-mortar banks ..A.. . Today's world of banking is more efficient. With online banking, customers rarely need to walk into a bank. Most of their banking is available through their computer.
Online banking is also called brick-to-click banking, according to bankrate.com, as well as electronic banking or Internet banking. It is a bank that gives customers the option of using checks, depositing money and transferring money at their physical location, or the option to do most of their banking on their computer. They can log on to their site and transfer between accounts, pay bills, use automatic deposits and check balances in all their accounts. If they need cash, they can make withdrawals using their ATM card or debit card. The only time they may need to enter an actual bank is to deposit a paper check or see a loan officer.
History
According to "Banking and Finance on the Internet," a book edited by Mary J. Cronin, online banking was first introduced in the early 1980s when four New York banks − Citibank, Chase Manhattan, Chemical and Manufacturers Hanover − offered home banking services. The systems were quite ..B.. to use and did not prove to be very popular. In the U.K., it was Nottingham Building Society that in 1983 offered the first electronic home banking system.
How it Works
In order to use e-banking, customers need access to a personal computer and Internet connection. When they register for ebanking, they are asked to provide a login name and password. Additionally, each time they want to access their account they might be required to answer a security question, which minimizes the risk of someone else accessing their account.
Features
Online banking allows customers to access their bank account from their computer 24 hours a day. With a password and a secure system, they can view all their accounts, move their money around, open new accounts, pay loans, access past months, print off transactions and electronically pay bills. With an ATM card, they have 24-hour access to ATMs across the country. With a debit card, they can pay bills at any store instead of writing a check. The bank automatically deducts from their checking account.
Virtual Banking
Besides the brick-to-click banks, there are virtual banks that do not have a physical location or personnel. They offer the same services as a regular bank and must follow the same federal guidelines. ....CONJUNCTION ... they do not have the overhead of buildings and personnel, they can offer better deals on loans and higher returns on savings.
Advantages of E-Banking
For customers, convenience is probably the main advantage, because it allows them to access their accounts whenever they want, and perform transactions from the comfort of their home. Almost equally important is ubiquity, because e-banking is available from any internet-connected computer anywhere in the world. For banks, e-banking means lower operating costs, as they need fewer branches and staff. Last but not least, it means new revenue opportunities, because e-banking attracts new, usually higher-income clients.
Disadvantages of E-Banking
For customers, it takes time to learn how to use e-banking facilities and, more importantly, to trust their bank's website and stop worrying about security issues. For banks, it means investing more in equipment and highly trained staff to run the website and necessary software.
(Adapted from http://www.ehow.com)
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