Questões de Concurso

     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) 

The difficult journey to Olympic success

For Jessica Morgan, a young athlete New Zealand, a typical day starts early. Most mornings, she gets up 4:30 a.m., while her family is still bed, and trains before school. As an elite rower, she is one the best in her country, and she aims to compete in the next Olympic Games.

Jessica’s weekly schedule is grueling. She trains twice a day, six days a week, and competes in rowing events on the weekends. However, she’s also a normal schoolgirl, and like every other sixteen-year-old at high school, she regularly does her homework, too. Jessica’s motivation is impressive. She never hangs out with friends or takes a vacation. She isn’t only an amazing athlete – she usually gets good grades in school, too. Of course, it isn’t easy to become successful. Being the best at your sport requires hard work, determination, and the help of family and coaches. Young athletes’ relationships with their family and coaches can influence their success in the future. Jessica’s parents usually spend hours every week taking her to training and competitions, and they help her to eat a healthy diet. Her coach plans her training and enters her for competitions. But both parents and coach must offer emotional support, too – for example, when Jessica loses a competition or she gets an injury. Luckily for Jessica, she has a good relationship with both her coach and family. But in other cases, these relationships can place too much pressure on young athletes. For this reason, some of them lose their motivation to do well. For Jessica, the most important factor in her future success is her own desire to win. “I know talented young athletes who give up because they feel lonely without their friends,” she says. “But I prefer not to think negatively.” Jessica believes she is responsible for securing her future success. “It’s my decision to train every morning and go back to it again every afternoon. It’s my decision not to have a social life, and never to take a vacation.” Not everyone can cope with this kind of lifestyle. But each day Jessica moves one step closer to achieving her Olympic dream.