There are questions about who exactly should be responsible when there is an error in internet banking transactions or when there is abuse of consumer data. There are banks that have a sense of responsibility by taking action against the security of customer data and transactions that occur as they should. But there are other banks that did not want to take responsibility and put the blame on consumers.
There are also many internet banking services company that wanted to wash their hands and assume that any errors are the responsibility of each consumer. If do not want to get data abuse, the consumer is expected to save the username and password properly. This is actually your right as consumers to keep all the information such as usernames, passwords or other personal data for yourself and do not disclose passwords to others you do not know, even though the bank employees.
In fact, you do not have any rights as a customer or internet banking service. This is because you have input and give all your personal information when registering for internet banking facilities. Then, you may be wondering then who should be responsible? Because you are the one who gives all the information starting from the beginning, does that mean our position as a consumer of internet banking service always lose? Because the bank or internet banking companies would also not want to bear the loss.
Have you got your internet banking statement and saw that there was fraud then you immediately report it to the bank? If like that, you will be able to immediately get your money back. However, try to keep your internet banking statement for two weeks or more without seeing it and then you find such fraud has occurred. What would happen if you report it, you’ll get your money back but in smaller amounts. The longer you wait and postpone for not reporting losses that you received because of internet banking services, the less you’ll get your money back or compensation. Even at a certain point, you actually will lose everything and still added the fees charged by the bank. That’s why you should’ve seen your internet banking account. Even when you do not have time to see every detail of transactions you do, you still will be able to see the difference that appears and you can report it immediately.
Most internet banking companies just trying to build a name and a good image for themselves through tight security. But there is also a bank that do it because they want to maintain the loyalty of their customers and provide service to the maximum extent possible. If there are banks like this, use the internet banking services that they have and you will not get the problem, because these banks will respect your rights as a consumer. What else that we need then?
Virtual world is growing fast. Entire world has been connected virtually. This will open the opportunity of internet business. Internet business has been proven to give great profit. But as the other business, it is not easy to start new internet business. We need good calculation and plan to be considered.