Online Banking Cláusulas de Ejemplo

Online Banking. The Group currently has an online banking platform that is accessible from any device with an internet connection available on the market. Some 37.13% of its active customers had contracted online banking services at 31 December 2016. The Group has applications that are specially developed for the latest models of smartphones and tablets available on the market, allowing customers to interact with the Issuer using the latest technology. The online banking service of the Group is in constant evolution, with the purpose of covering the needs of the customer and servicing the customer segments that, either by necessity, or due to the changes in social communication habits, require a bank that is available 24 hours a day, 365 days a year, and who no longer consider the branch as their preferred channel. The online banking of the Group, in addition to contributing to cost reduction by reducing transactional activity at branches, is a new means of generating income by allowing the possibility of offering a personalised product/service to each customer. The knowledge of the customer developed based on advanced statistical techniques and the CRM (customer relations management software) as coordinator of the multi-channel commercial activity, are keys in this process. The Issuer has an automated telephone banking service that allows customers to perform the same transactions as with online banking 24 hours a day, 365 days a year. At 31 December 2016, the Group offered its customers a network of 1,308 ATMs integrated into the Euro 6000 network. The network of ATMs offers customers functions that go beyond the traditional transactions conducted on such devices (statements, balances, withdrawals and transfers). These functions include the issuance of show tickets, the contracting of pre-approved loans, the payment of taxes and fees, telephone top-ups, payment of bills, transfers, “buddy payments” receiving cash with a simple OTP (one-time password) or the deposit of cash.