Remote banking services (RBS)
Remote banking services (RBS) is a set of technologies that allow clients to manage bank accounts and make transactions remotely without visiting a branch.
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What is RBS
Remote banking services (RBS) is a set of technologies and services that allow bank clients to manage their accounts and make financial operations remotely without visiting a bank branch. RBS includes internet banking, mobile banking, SMS banking and ATMs/self-service terminals. RBS is actively developing with the introduction of the digital ruble, the Fast Payment System (FPS) and open APIs.
Forms of RBS
Internet banking — access via web browser. Mobile banking — smartphone applications. SMS banking — account management via SMS commands. ATMs and terminals. Client-bank — special software for legal entities with integration with accounting systems.
Advantages of RBS
- Time savings.
- 24/7 availability.
- Transparency.
- Security — multi-factor authentication, cryptographic protection.
RBS security
Multi-factor authentication, encryption (TLS), CIPF certified by the FSB, fraud monitoring, phishing protection.
Integration of RBS with government systems
ESIA, SMEV, the Electronic Budget GIS, the Fast Payment System and the digital profile.
Frequently asked questions
What is RBS in a bank?
RBS (remote banking services) is the ability to manage accounts without visiting a branch via internet banking, a mobile app or SMS, including transfers via the FPS.
Which operations can be performed via RBS?
Transfers, payment for goods and services, opening deposits, obtaining loans, currency exchange, card blocking. Payroll projects for business.
Is RBS safe to use?
Modern RBS uses multi-factor authentication, TLS encryption and fraud monitoring. CIPF is used for legally significant operations.
How do I connect RBS for business?
Open an account, sign an RBS contract, obtain electronic signature keys and install a client-bank.
What is the RBS agreement?
In some banks RBS denotes the Bank Service Agreement — the basic document regulating all terms of cooperation with the bank.
Which new technologies are used in RBS?
Biometric authentication, artificial intelligence, open APIs, the digital ruble, chatbots.
What are the requirements for RBS for government institutions?
Certified CIPF, integration with ESIA, SMEV, Electronic Budget, and compliance with 187-FZ for CII.
Other terms in «Fintech»
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