最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯基于互联网平台的金融业务

英国劳埃德银行出新招,允许用户通过谷歌地图追踪支付详情

传统金融的互联网化国际资讯基于互联网平台的金融业务

英国劳埃德银行出新招,允许用户通过谷歌地图追踪支付详情

近些年来,英国移动银行服务发展迅速,包括Monzo和Starling在内的多家数字银行服务平台给传统银行机构带来了不小的冲击。为了应对这些挑战,传统银行也在积极进行改革。

近日,英国劳埃德银行(Lloyds Bank)宣布推出一项新功能,允许在线银行客户在Google地图的帮助下追踪地点和时间等移动支付详情。

在初期试点阶段,包括劳埃德银行、哈利法克斯银行和苏格兰银行等所有劳埃德银行集团的客户均可享受到此项服务。不过,目前只有安卓系统用户能够使用这一服务,iOS版本预计明年年初面世。

通过这项新功能,用户能够掌握自己的支付详情,提前了解可选择的移动支付地点和方式,及时发现可能存在的异常消费交易等。

除此之外,劳埃德银行的移动程序还匹配了一些其他的新功能。

首先,用户可以通过这款app了解常规账单的预定付款时间表,这些数据还会与用户的发薪日信息相结合,帮助用户了解日常收支,提前做好合理预算。

其次,这款app还新增了交易控制功能,用户可以根据自己的需求开通或者关闭互联网平台、移动应用程序、电话和邮购订单的国内外支付功能。

最后,这款app还提供一种“临时冻结”服务,可以在卡片丢失或无法找到的情况下,远程冻结该银行卡的ATM取款、在线和实体店支付或Apple Pay支付功能。

 

 

Lloyds has introduced a new feature that will allow online banking customers to track where and when they spent their money - with the help of Google Maps.

In the first move of it's kind, the banking group's customers, including those with Lloyds, Halifax and Bank of Scotland, will be able to see the precise location they made payments, along with the details of their debit card transactions.

Lloyds is introducing this feature, amongst others, in the hope that it will bring customers peace of mind and help them manage their money - as well as protecting their accounts against fraud.

The service is currently being rolled out for Android customers with it due to be available for iOS customers early on next year.

Paul Davis, retail fraud director at Lloyds Banking Group, said: 'Helping keep our customers' money safe is our priority, and our new Google Maps feature is another way that we can work together to help protect our customers from fraudsters.

'We already look at a number of measures behind the scenes to spot changes in customers' online banking behaviour or unusual activity.

'Card not present is still the most common type of fraud, and by customers to see exactly where they have made card payments with this new feature will help spot suspicious activity as well as cut down on inconvenience of blocking card transactions.'

A number of other tools are due to be available in the coming weeks - all designed to help customers monitor how much they are spending and saving.

One of the new features, that is due to be released in early 2019, will enable users to see a timeline of scheduled payments for their regular bills, including monthly direct debits and standing orders.

This data will be combined with a user's payday information, letting them see how much they will have left to spend at the end of each month, helping customers budget their earnings.

The move comes as Britain's traditional big banks aim to step up their apps in response to the wave of new challengers, including Monzo and Starling, which offer smart new digital services.

Another of the new features is the addition of card controls that are designed to give customers more control over their debit card transactions.

Customers will be able to quickly and securely restrict card usage, for example, if a card has temporarily been misplaced, or in order to avoid using a card in a certain way.

Not only can users stop their cards from being used online, which will block internet, in-app, telephone and mail order purchases, they can also freeze them from being used at tills and terminals.

This will stop unwanted transactions where the card is present at the place of purchase.

The card controls also have a feature that will let users stop any payments abroad and will let them prevent any transactions at ATMs, shops and restaurants outside of the UK.

Barclays already currently offer a 'temporary freeze' service on their mobile banking app that lets customers prevent card machine withdrawals, online and in-store payments as well as Apple Pay if they have misplaced their card.

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