Home BankingInvestopedia #Home_BankingSeptember 2, 2019
Home banking generally refers to either banking over the telephone or on the internet (i.e. online banking ).
Today, a variety of internet banks exist which maintain few, if any, physical branches.
The increasing popularity of home banking has fundamentally changed the character of the banking industry.
The absence of brick and mortar locations allows many online banks to offer favorable interest rates , lower service charges, and many other incentives for those willing to bank online.
Additional services, such as certificates of deposit (CDs), and business, personal and mortgage loans, often still occur at physical branch locations.
Mortgages may come in many forms, including fixed rate mortgages and adjustable rate mortgages (ARMs).
With the increased shift to online banking, new security threats have arisen.
All information, such as customer account information, balances, recent transactions, and more, which is stored on a computer, other electronic device, or in the cloud, is vulnerable to hackers and theft.
Many commercial banks with online arms have put into place cybersecurity measures to prevent such dangerous theft from occurring.
Bugs and viruses gain access to a system and copy its information and/or modify parts or all of it.
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