Rise in banking transactions via mobile and internet banking

"The time when a significant volume of bank transactions will be made from everywhere, except for the bank, has begun. It has been heard many times in the past as a prospect that it will happen, but this time it is not wishful thinking is a reality, "says the" K "System Bank Managing Director.

The data on the evolution of mobile and internet banking confirm and show the trend no longer for the next few years, but for the next few months, which is expected to gradually change the way we have been used to this day.

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In the first quarter of 2012 there were 1.597.000 registered users in mobile banking, banking customers who could, if they wished to do transactions through a mobile banking application as defined by each bank. Of these, as soon as 98.000 was approximately activated customers, they used mobile banking once in a year. The number of active customers who used it at least once a month for one year declined to 52.000. The value of cash transactions (transfers between accounts, various payments, etc.) by mobile phone approximated 80 million.

At less than 1,5 time the image changed radically. In particular, in the third quarter of 2013, which is the latest data available, subscribed customers in mobile banking increased by about one million and reached 2.580.534, 208.000 enabled and active banking customers outperformed 144.000, with ever-increasing trends. It is characteristic that between the second and third quarter of 2013, active customers increased by 30%, with the value of cash transactions approaching 130 million without calculating the value of stock trading.

Similarly, the number of active clients is stable in 800.000 between the first quarter of 2012 and the third quarter of 2013. However, the value of monetary transactions grew by around 30 billion from around 22 billion in the current period.

Banking executives point out that a key factor in further boosting the growth of mobile banking in our country is the fact that smart phones supporting banking are particularly penetrating, which is now approaching 40% of mobile phone users of the highest rates at European level.

It is noteworthy that classical alternative networks, especially ATMs and APSs, are still well developed. More specifically, annual cash withdrawals from ATMs during 2013 reach approximately 35 billion, accounting for approximately 75% of the total volume of withdrawals made to banks (Bank and ATM Funds) and 20% of their value. There are also around three billion Euro cash deposits at ATMs and two billion Euro deposits on automatic payments machines. In addition, annual APS bill payments amount to about 700 million.

A lot of transactions can be made via mobile. Examples include: transfers of funds between customer accounts, third party accounts in the same bank and other banks, payment of credit cards, loan installments, accounts (PPC, EYDAP, VAT, OAEE, IKA, ePay, OTE, mobile telephony, subscriptions Internet, etc.). Also, possibility of charging a prepaid card and withdrawing from a credit / prepaid card etc.

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