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On-line Banking Systems
Author: Tim Bryce  | Posted: 12-10-2007 | Comments: 0 | Views: 42 | Rating: (51)  (?) 
 Let me preface my remarks by saying I've been involved in the I.T. industry for over 30 years now and have seen a lot, particularly banking systems. In fact the Japanese used our "PRIDE" methodologies to design their latest generation of banking systems which are considered state of the art and ahead of their American counterparts. With this said, I recently went to my bank to make a deposit. I know most of the tellers there and enjoy a good relationship with them. However, on this occasion there was a new teller who dutifully processed my deposit and upon looking at my account told me, "Mr. Bryce I see you are not taking advantage of all of our on-line banking services. Do you want a pin number or a debit card? How about direct deposit and on-line payment of bills?"
I politely declined the offer and said, "No, that won't be necessary."
She kept pressing the issue and said, "Don't you want to know what your up-to-the-minute balance is?" I told her I shouldn't have a bank account if I didn't know what was in it.
This got me thinking about our on-line banking systems and how people interact with them. I've been writing checks and balancing a check book manually for about 37 years now. I don't find it complicated and actually enjoy balancing my check book; it's good mental gymnastics for me. I particularly like it when I find a bank error. My children though are different and take full advantage of on-line banking systems. They can't be bored with balancing a bank account, they like direct deposit, and often use their debit cards. I guess to each their own.
Somehow I've always had a problem with allowing others to electronically tap into my bank account and have resisted it for years. I know they have some very good security measures over such transactions, but I still have an uneasy feeling about allowing others to directly tap into my account. Call me old fashioned.
Actually, I don't find banking to be very complicated. I probably write 10-15 checks a month and make a couple of deposits. To me, writing a check and updating my register doesn't require a rocket scientist. True, I have to apply postage to pay my bills by mail, but I see this as a very nominal charge. I also have to visit my bank to make a deposit, but I find this to be a pleasant distraction from my work.
I'm sure these on-line banking systems provide some handy services, but I don't believe in change just for the sake of change. If this is how I like to operate, what's wrong with that?
I remember years ago when my grandfather passed away in Buffalo, New York, we went up to help my grandmother tidy up his affairs. My father was rooting around in the basement and found a small box containing quite a sum of money. My Dad confronted his mother with it and said, "Mom, why are you keeping such a large wad of cash laying around?"
"Well Sonny," she explained, "Don't forget the banks failed one time (a reference to the Great Depression), and they can fail again."
I guess I feel somewhat the same way and basically don't trust on-line banking systems. Even though I've been intimate with banking systems for a long time, I'll probably be the last person to make use of them. Don't forget I'll probably also be the last guy to buy a cell phone as well.
Yea, I know what you're saying, "This guy is out of step with the times."
Maybe, but I also know what's in my bank account and know how to pay my bills on time. Like I said, call me "old fashioned."
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