Diferença entre mobile Banking e Internet Banking (com tabela)

Mobile banking and internet banking are two different but online modes of banking introduced by the banks only that enable their customers to make transactions whenever and wherever. Both forms of banking require intense access and have their own uses. Both the banking system have made transactions and other bank-related issues so much easy that all we need today is few clicks.

Mobile banking is the internet-based banking system by the banks that allows customers to execute their bank-related transactions via their cellular devices. Internet banking is much related to mobile banking only as it enables people to make transactions electronically, with the help of the internet.

Mobile Banking vs Internet Banking

The difference between mobile banking and internet banking is that mobile banking refers to the form of banking which allows you to make transactions via your cellular device, while through internet banking, you can execute transactions through any electronic device using the internet.

Mobile banking is a mode of online banking by the banks that allows the customers to perform any transactions via their cellular devices like smartphones or the tab. Mobile banking allows you to make any financial transaction anytime and from anywhere because all you need is your smartphone. With the introduction of mobile banking, transactions are now under your fingertips within few clicks.

Internet banking, on the other hand, is also a form of online banking that allows customers to perform any financial transaction using the internet on any electronic device. Internet banking has contributed a lot in evolving the banking system as with the internet form of banking, you do not need to visit the exact branch of your bank for any small or big transaction.

Comparison Table Between Mobile Banking and Internet Banking

Parâmetros de comparaçãoBanco móvel          Internet banking
SignificadoIt is an online-based banking system that allows customers to make transactions via their cellular devices.It is also an online-based system that allows customers to make transactions through any electronic device using the internet.
Devices usedMobile, tab, basically any smartphone.Área de Trabalho
FunçõesMobile banking has some limitations in its functioning as it is quite complicated.Internet banking has comparatively much more functions than mobile banking.
Transfer of FundsFunds are transferred through NEFT or RTGS.Funds are transferred through NEFT, TRGS, or IMPS.
UsosMobile banking is used for any short message service or immediate funds transfers.Internet banking is more used by banks and their websites.

O que é Mobile Banking?

Mobile banking can be defined as a model of banking that allows you to make transactions via your smartphone. Through mobile banking, you can make transactions anytime and from anywhere. Many transactions take place from mobile banking, which includes- bills payments, immediate funds transfer, monitoring the balance, booking tickets, etc.

Not just transferring the funds immediately, but the mobile banking system has made online banking much more secure as you can check your balance within few clicks, get security alerts for any activity that takes place in your account, and much more.

In this digital age, mobile banking is the most convenient and easiest way for any bank-related transactions. The fact that it has made the ability to pay or get a check, transfer funds to anyone, pay bills immediately is the reason why mobile banking has taken up the pace so fast.

O que é Internet Banking?

Internet banking, on the other hand, is also a form of online banking that allows customers to perform any financial transaction using the internet on any electronic device. Internet banking has contributed a lot in evolving the banking system as with the internet form of banking, you do not need to visit the exact branch of your bank for any small or big transaction.

In simpler words, internet banking is a system that has enabled people to make financial transactions much more conveniently from anywhere and anytime without any risk to their bank accounts. This can be done within few clicks by using the bank’s website, and you are all set to go.

Online banking is so used and famous among almost every bank account holder, has made internet banking a major part of every bank these days.

Main Differences Between Mobile Banking and Internet Banking

  1. The main difference between mobile banking and internet banking is that in mobile banking, you can make any bank transaction via your cellular device, but in internet banking, you need a desktop, and the transaction will take place at the bank’s website.
  2. The device needed for mobile banking is just your smartphone or a tab, while in internet banking, you need your laptop or computer.
  3. Mobile banking has some limitations in its functioning as it is quite complicated, while internet banking has comparatively much more functions than mobile banking.
  4. Funds are transferred through NEFT or RTGS, while in internet banking, funds are transferred through NEFT, TRGS, or IMPS.
  5. Mobile banking is used for any short message service or immediate funds transfers, while internet banking is more used by the banks and their websites.

Conclusão

From the above discussion, it is to be concluded that both forms of banking require intense access and have their own uses. Both the banking system have made transactions and other bank-related issues so much easy that all we need today is few clicks.

The main part is that internet banking has quite a wider scope than mobile banking. This is because internet banking is performed on the bank’s official website only, which proves to be much more former. Mobile banking and internet banking are two different but online modes of banking introduced by the banks only that enable their customers to make transactions whenever and wherever.

Mobile banking is the internet-based banking system by the banks that allows customers to execute their bank-related transactions via their cellular devices. Internet banking is much related to mobile banking only as it enables people to make transactions electronically, with the help of the internet.

Referências

  1. https://www.inderscienceonline.com/doi/abs/10.1504/IJMC.2003.003494
  2. https://aisel.aisnet.org/cgi/viewcontent.cgi?article=1188&context=jais