The bank is one of the most important things in this world. People use a bank to keep their money safe. Again a bank is being used to send or receive money, to get a loan, etc. Nowadays, almost 3/4 people of this world somehow use the bank. It is connected with a man's day to day activity. But the system of a bank has been modified. Technology has been included in the banking system. Mobile banking is one of its examples.
Banking through mobile is called mobile banking. It is a modern system. Almost all people use mobile. So, running this system is a bit easier than the old system. People can have the services of a bank and use them sitting at home. They can check their balance sitting at home or on a bus or train. Again they can complete their dealing with the shopkeepers or any economical dealer with their bank in their mobile.
At this moment all banks have been subjugated under the facilities of mobile banking. So, a man who has a bank account can easily use the mobile banking service. It's more hassle-free than the traditional banking system. The general people are also interested in it.
Mobile banking was started through SMS in 1999. That's why it was called SMS banking. SMS banking lasts for 11 years. Nowadays, that means after 2010 people started to use smartphones and the internet. So, most of the banks got the opportunity to start banking through the internet. It was first started in European countries. Then gradually it spreads all over the world.
In Bangladesh, mobile banking was started in 31 March 2011. It was launched by the Dutch Bangla Bank. Now it has a great impact on Bangladeshi people. They are now aware of the easiness of mobile banking. As most of the Bangladeshi people are illiterate, they didn't know the traditional systems of banks. As almost 120 million people out of 160 million people in Bangladesh know how to use mobile, they can use the system of mobile banking.
They appreciated that it is easier than the traditional one.
As nowadays mobile banking is performed by the internet, the hackers are always ready to hack one's bank account or the whole bank. Because most of the banks deal with its users through the internet. So, if a bank's security system is weak or the user's privacy protection is weak, it is easy for a hacker to get into one's account and to get all his money. So, immediate security measures should be taken to prevent hackers. Again the users have to use strong passwords to protect his bank account. Meanwhile, if any bad thing happens, they should immediately inform the cops or the bank authority.
At last, it must be said that mobile banking is a blessing of technology to us. Though it has some security matters, the proper management of the bank and the proper use of a user can solve this problem. So, we must thank the technologies and the authority for providing such a great thing to us.