e-Banking in Nigeria has been in an upbeat mode. The financial market place has been actively promoting their online publications and functionalities while growth in mobile phone and internet penetration in Nigeria continues to increase.
The pro-technology sentiment of Nigerians is helping to feed the e-banking.This on-going internet development growth phase augers well for e-banking to mature into a way of life in Nigeria.Success stories around e-banking have taken shape through a mix of innovation and experience. NALBank PLC has joined the list of banks in the country offering e-banking services. The bank says that in the next few days it will launch four new e-banking products. They include NALMobile, NALTELE, NAL PC BANKER and NALNET.
The services are to be provided by the bank free of surcharges that is the hallmark of most other e-banking products.Therefore NAL's four e-banking products are seamlessly integrated with the core 'traditional' banking services thereby making the online experience truly holistic for the customer.
In a nutshell, NAL core online offerings should provide customers to access their financial information anytime, anywhere, transact real-time business, make empowered online financial decisions. Additionally, value-add extensions of e-banking services are to be offered by NAL to compliment the bank's core online services.
The bank hopes that with the introduction of online statement delivery, paperless statements will become the norm in the banking industry in the country. Financial institutions else where brand paperless statements under different service tags ranging from e-statements, email statements, PDF statements, online statements and so on.
However, the end objective of all paperless statements is to save time and reduce paper work. This is what NAL bank is bring into the door step of Nigerians.
Paperless statements significantly reduce the amount of mail and paperwork you collect. Using NAL bank e-banking product is going ahead to take advantage of paperless statement services en-route to a paperless life. It also enable account holders to track their accounts. The account could be use to settle bills regularly as in some countries paying bills online is as natural as using email instead of writing a letter: it is quicker, easier and best of all, free.
The bank is about to lunch four new key banking product. Now the first one is the NAL mobile, that will enable customers to carry out their transactions with their mobile phones, their GSM phones. The other product is the NAL TELE bank it will enable the customers carry out their transactions with a telephone. Another product is the NAL PC banker which can carry out transaction from a lap top.
NAL mobileis going to be using the SMS, that is the text message as it is much easier to send a text. You do not usually have texts breaking as much as you have call droppings.
In the case of the NAL TELE all a customer requires is access to a phone. "If you have access to a telephone, the customers will be informed of the number to dial. The NAL numbers which will link them to the NAL key banking server. The problem of cash movement the banker say will be solved with the NAL net, because with the NAL net the customers are issued with ATM cards.NALnet is internet-based. one cannot really use it without the internet. One has to log on to the internet and get on the NAL web site and from there supply your PIN number and pass code. And it gives you access to your account.
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