In the past few years, the voice of digital reforms has been continuously came from Singapore, and digital payment is an important part of it.In late July last year, the Singapore Financial Authority announced that all corporate checks were eliminated by the end of 2025, but personal checks could continue to be used after 2025.Officials will start a second public consultation this year to formulate measures and timetables for eliminating personal checks and termination of check cutting off systems.
One stone stirred thousands of waves.Li Shiwen's hidden concern in the bank digital (Lianhe Zaobao · Speech on October 9, 2023) said that most of the silences want to say: Under the premise of digital technology is not Wanlingxian Dan, "Should we re -think, is it necessary?Urgent traditional checks that are independent of independent operations, do not rely on the Internet, have been tested, and easy to use? "It is the default and unique option. Keeping a back road is better than the way. Besides, in a civilized society, everyone should have the basic rights of choice.
The security issue of the bank service after comprehensive electronicization, and the psychological gap between the depositors' coefficients of the bank's security coefficient at the time of the online fraud, and the past few decades have not occurred.Even if the wind of cyber fraud is effectively curbed, we should retain the traditional form of check payment, not to mention the current autumn of online fraud?
Dai Wenxue's dignity in the digital process of the bank (in the joint morning newspaper · exchange station on October 13, 2023), he expressed support for Li Shiwen's point of view.From Daiwen, it is not difficult to see that some corporate decision makers have decided to eliminate corporate checks by the end of 2025 to stop providing corporate check services, and have not been fully prepared.As a consultant of a local enterprise consulting company, Dai Wenxue has frequently exposed to SME owners. Based on various reasons for the benefits of SME owners, he urged the officials to continue to retain the options for small and medium -sized enterprises.
Dai Wenxue is invited to the host of the small and medium -sized business. Chen Meimi does not force senile hawkers to use digital payment (January 19, 2024 Lianhe Zaobao · Exchange Station), and it has revealed the voice of many long -term vendors:The owner of the Pasar stalls must use electronic transactions to collect money. I don't know how those old stalls should deal with?
When the blind obedience and digital trust are tested, Professor Bai Shizhen set up an elderly bank?(January 19, 2024 Lianhe Zaobao · Speech) From a macro perspective and ideal level, it is recommended that the bank industry seize the opportunity to explore the feasibility of the establishment of an elderly bank.He believes: "The elderly people have a slower action and have poor eyesight. I hope that the service function of the bank designed will slow down to cooperate with their rhythm of life." I think this tolerance of heart parts suggest that Singapore has been with Singapore.Emphasizing the establishment of caring for society is not the same.
Baiwen's suggestion reminds me of the difference between online transactions set by certain banks and non -online transactions: if regular deposits are processed online, annual interest rates are above 3%, if you personally apply in physical banks in person,The same nature of regular deposits, the annual interest rate is below 3%, and the gap is about 0.5%.Regardless of the amount of regular deposits, this one -sided fell to the ground to give discounts to online traders, which is obviously lacking in social tolerance.
Two suggestions on bank security
Many people still have some doubts about bank e -commerce so far. On the one hand, they originate from information technology, on the other hand, and on the other hand, it comes from the end of the incident of online fraud.Once the bank's electronic account is invaded by hackers and loses, who will share it for himself?
In view of this, I made two suggestions from the perspective of a depositors who used bank e -commerce for several years.First, the connection channel between banks and depositors must always be unobstructed.Whether it is transfer, adding the amount of each transfer, regular deposit, etc. for a repayment person, you must notify the depositors through SMS and email, etc., and the depositors will be alert to the depositors as soon as possible.
The advantage of doing this is that even if the electronic account is invaded by hackers or the non -voluntary money is moved, the depositors can be alert to the first time and take the necessary action, including the alarm and report to the bank.At the beginning of last year, a retired journalist Pan Xinghua was scammed by 3 million yuan. Some of the factors were that the parties did not obtain non -voluntary transfer information in time.If she can transfer the matter in the first time when the first non -voluntary money is transferred, it is told that even if the first amount cannot be recovered, she can stop the loss in time.Essence
However, the prerequisite for this is that bank staff must always maintain the unblocked connection with the depositors at all times.I remember 20 years ago, I was waiting for a small overseas remittance. When I found out that the money had been remitted to the bank I used, I did not see the bank deposit the money into my account for a long time.As a question, the bank staff's explanation was because I had more than one account in the bank, and they didn't know which account to be stored.The bank has my mobile phone number. Why not call me?Obviously, if this negative attitude of work continues to this day, it can only make the depositors more chilling to the banking industry.
Secondly, whether the official can learn from the previous car of the deceived depositors and forced the settlement period of the transfer of transfer, that is, it is determined by the depositors. If the transfer money exceeds a certain amount, it will take at least one day to calm the account.In other words, even if it is a real -time transfer, the transfer will be stored in the bank account for at least one day. It is not until the depositor will be officially transferred at least one day after receiving the "pre -issuing information" and determining that the transfer object and amount are correct.This is to ensure that when you encounter non -voluntary transfers, the depositors also have enough time to be notified and take preventive measures.
Are you ready for comprehensive electronic transfer?
Officials are encouraging all people to use electronic transfer, and it seems that this problem is suspected of being unsuitable. However, after a personal experience at the end of last year, I had to ask this question carefully.
In October last year, I asked for a consultation in a public hospital. On the same day, the hospital sent a payment information through text messages. I transferred the money to the hospital that day.I have been transferred to the house of the hospital since February last year. The hospital account number has been verified. Before the transfer, I also clearly indicate the invoice number, and it is never possible to make mistakes.
The hospital received the money on the day of my transfer, but because the hospital's finance department was too late to offset my invoice, in November and December last year, I sent the paper invoice to my house twice to "collect the collection"Intoement", the second urging letter also indicated "the first reminder", stating that I must pay immediately -even if I have uploaded payment credentials to the hospital in the hospital in late November, according to the instructions of the first letterwebsite.
For this small payment of less than 200 yuan, I had a telephone communication with the hospital staff many times. As a result, the hospital staff was in mid -December, the 71st day after my transfer, and the phone confirmed that they were on the first day after my transfer.The amount has been received and my invoice is canceled on the 70th day.
It is also speechless that to ensure that the hospital receives my payment, I also called in mid -December to ask my bank. Is my amount successful to the hospital on the day of transfer?Will you accidentally turn to him?The response obtained was that they couldn't know immediately, and after two calls, they just returned to the hospital six days later.
This may be a minority in a few cases, maybe not, but it has reflected the problems existing in digital payment from the side, including the administrative management and verification delays of the payee, and a series of follow -up issues that have been generated.How to calculate the time cost and telephone cost?How to treat "temporary sex transactions" caused by administrative mistakes?
Various cases reflect that even if the official encouragement is strongly encouraged, not only many business owners and street vendors have not yet prepared, but even large institutions such as public hospitals have not yet prepared for comprehensive electronic accounts.In this case, for the more inclusive society, as the letter says, the check and cash transactions still have value; Key payment may still be adopted.
The author is a local writer
