Traditionally, without online banking, consumers will go to the bank during office hours to do their transaction at counter or anytime via ATM machines. It can be illustrated by below picture, courtesy of the star. It is time consuming and lot of hassle.
Source: The Star 2016
With online banking, no more hassle as the transaction can be done online except during maintenance time 247. Yay!
I used to transact with Maybank heavily when I first got my Maybank Credit Card because Maybank give a lot of points but nowI am using CIMB heavily as I no longer have eagerness to collect point and redeem gift but I would to have rebate on my purchases or expenditure which i can get with CIMB. I used CITIBANK once and decided to cancelled it off when they change the benefit of their credit card.
So, I will explain about my point of view as a consumer to CIMB's cimbclicks.com online banking system because I been using this one heavily since middle of last year if i am not mistaken. Below is cimbclicks interface once you login with your CIMB's account.
Source: cimbclicks.com.my
It is quite convenience with online banking since we can do a lot of transaction that we need to do in weekly basis or monthly basis. Nowadays, there is not many people go to service providers office such as TNB, TM, Indah Water or Astro to make their bill payment because they are able to do so by using online banking. Even if you to make an investment or top up your prepaid phone, that can be done online as well. You can see critical function of online banking from CIMB in below image.
As for myself, I normally use online banking to pay my credit cards, housing and car loans, transfer money for house rental fee, pay my postpaid bill, pay my streamyx bill, pay zakat, and transfer money.
Moreover you can set frequent account that you transfer to or conduct transaction as favorite. So you will save more time when you want to to make re-occurrence payment.
If you want to save more time, you can set a schedule transaction through your cimbclicks account but you must have money in your account in order for the system to proceed with payment for your behalf. If you plan to pay by credit card, you will need to do it manually. Some biller account are not accessible if you pay by credit card such as in my case, i am paying my mother's car loan to Toyota Capital and they online allow payment in cash transfer. Below images is the favorite i set in my cimbclicks account for frequent transaction.
There is a downside of using cimbclicks that i would like to share as well. Recently I set up a scheduled transactions with cimbclicks.com but when I want to change it, lets say change date or value I am not able to do so via cimbclick. The system only allow you add schedule transaction, cancel schedule transaction if you do not have enough balance, show pending transaction if yo do not have enough balance but not to manage it. As a consumers I would want more control and user friendly system.
Referring to feedback from the customer service above I think they also not familiar with their own system.
However, I think cimbclicks has become better and better in term of user friendliness and ease of transaction. They spend a lot for the new system, maintenance and security.
In conclusion, online banking had affected a lot our daily life as transactions become easier and faster.
My next post will be online payment using apps.
Stay tuned!
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