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Electronic banking newsElectronic banking news

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AgendaAgenda

• Internet banking• Dialog• B-mail• Mobil banking• Daily account statements via e-mail• i:expert• i:deposit• i:key

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Development ofDevelopment of electronic services electronic services

1994 – Telebanking

1997 – Account statement via e-mail

1998 – Internet banking

January 1999 – B-mail (Best online banking product of the year at

Technology for Retail Banking Excellence Awards)

May 1999 – Dialog

2000 – Mobil banking

2002 – Telebanking Light

2002 – i:deposit

2002 – i:key

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Why to use electronic services ?Why to use electronic services ?

simple access to the account without a need to visit a branch office

it is possible to use electronic services from any place in the world if there is a telephone or Internet available,

electronic services are available 24 hours a day,7 days a week

lower price in comparison to the payment order set in the branch,

fast and convenient way to obtain the information about new Tatra bank’s products

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Electronic banking servicesElectronic banking services

Primary servicesPrimary services::

Telebanking/Multicash, Internet banking and DIALOG

Complementary servicesComplementary services::

Mobil banking,

B-mail,

Daily account statements via e-mail,

i:deposit,

i:key.

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What does IB enable?What does IB enable?

IB enables to check the current account balance from your location,

possibility to check the account activity,

to perform payment order (domestic, foreign, permanent and

multiple),

to set b-mail,

1to1campaigns – i:expert,

to export the account movements into the company accounting sw

to create an i:deposit,

to obtain the actual credit card information,

to use an electronic signature – i:key.

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What information Dialog providesWhat information Dialog provides ? ?

GRID card identification:

information about the balance and account movements,possibility to set in-bank and inter-bank payment orders,cross currency transfers,standing payment orders,ordering, changing and canceling electronic services,increasing/decreasing daily limit of the bank card,setting, changing and canceling bank card insurance contract,bank card canceling.

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Complementary electronic services: B-mailComplementary electronic services: B-mail

generating messages (about the balance and the account activity, not - executed payment)

in form of an SMS message to GSM mobile phone, in form of an e-mail message to an e-mail address.

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Complementary electronic services: Mobil Complementary electronic services: Mobil bankingbanking

it enables client to have his current account at disposal via mobile phone that supports SIM Toolkit technology, advantage of fast access,service provided to accounts managed in SKK or foreign currency

Mobil banking offers:

setting domestic payment order with the same day valueinformation about balance and account movements in SKK or foreign currency,Every operation is confirmed by SMS message

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Latest Latest News in News in „virtual“ „virtual“ Tatra bankTatra bank

•PGP encryption of B-mail /5.8.2002/,

•i:deposit /3.9.2002/,

•i:key /9.10.2002/,

•i:expert /22.10.2002/.

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i:key – i:key – electronic signatureelectronic signature

used with the Internet banking service,it is based on electronic signature technology /asymmetric cryptography – public and private keys/, by using i:key it is possible to import payments directly from account system of companies to bank applications, payment orders are processed on-line, authorization of payments is secured by electronic signature which is saved on a chip card and protected by PIN code, that only client knows

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Advantages of using i:keyAdvantages of using i:key

•discount from booking item fee

•IMPORT payments / so-called batch payments / directly from client’s accounting system to the bank applications,

•real-time processing of payments orders ,

•retrospective reviewing of batch payments .

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i:key using in the futurei:key using in the future

• in the future i:key will also be a new authentication tool by logging in Internet banking

•the possibility of combining electronic signatures of more than one signatore

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i:expert

Thank you for your attentionThank you for your attention