Ingqapheli yee-bhanki ezinkulu zaseMelika
IBhanki yaseMelika isebenza ngabaxhasi abangama-47 nezigidi zorhwebo kunye namaziko angama-4,700 ama-ATM, ii-ATM ezingama-16,000, kunye neebhanki ezithinteleyo kwi-intanethi kunye nabasebenzisi abayizigidi ezingama-32 kunye nabasebenzisi abayizigidi ezingama-19.
Kwaye, i-BofA inikezela ngenkxaso-mboleko-mbambiso kwizigidi ezi-3 ezibanini bengomnini-bhishini ngokusebenzisa i-suite yezinto ezintsha kunye neenkonzo ezinokusetyenziswa kwi-intanethi.
Imbali yeBhanki yaseMelika
IBhanki yaseMelika yaqala ngo-1904 xa i-Italy-America i-Amadeo Giannini yasungula "iBhanki yaseItali" eSan Francisco. Ukubeka kwindawo yangaphambili, uGiannini ekuqaleni waqala ibhanki njengendlela yokubonelela ngemali mboleko kubantu abavela kwamanye amazwe, ama-American-middle-class, kwaye amafama aphika iinkonzo ngamaziko amakhulu emali ngexesha. Njengoko idiphozithi zakhula kwaye igama lomlomo lithwalwe, igama laguqulwa libe yi "Bank of America," leyo eyayizibona i-Giannini ibonakalisa bhetele imishini yebhanki yakhe.
Ukwandiswa, ukufunyanwa, kunye nokuvulwa kwamasebe ngokukhawuleza kulandelwe. Ibhanki encinci yeGiannini yanda ibe yindawo yamandla eyayincedisa yonke into esuka kwimveliso yeDisney ukuya ekuqaleni kweHewlett-Packard.
Inkulungwane ye-21 yabona i-Bank of America iphakama kwaye iwa phantsi kwimbono kawonkewonke ngokufumana ngokukhawuleza kwe-Merrill Lynch, i-NationsBank kunye namanye amaziko emali.
Ukubonakala sengathi ugxininisa ukhuphiswano olupheleleyo, izinga lokukhula ngokukhawuleza lithatha inzuzo. Ukumangalelwa kworhwebo lwangaphakathi kunye nobuqhetseba obunjwe ngo-2008, kwaye imbono yoluntu yebhanki yanciphisa ngokukhawuleza ngexesha lokunyuka kwemali ka-2009. Namhlanje, ibhanki yaseMelika ibonakala iphendule ingqalelo kwinethiwekhi yayo yeendawo zokuthengisa ekwakheni nasekucoceni i-class-class online kunye nemveliso ephathekayo.
Criticism
Nangona kunjalo, iBhanki yaseMelika iye yahlala yinkampani yezemali. Iintlobo ezininzi zeenkonzo zezimali, i-website efanelekileyo yomsebenzisi, ukufikelela kwi-intanethi kunye nokuhamba, kunye neendawo ezivela kwi-Main Street ukuya e-Dubai zinike iBhanki yaseMelika ngesiseko sabathengi abathembekileyo.
Ngeengxaki zebhanki enkulu, nangona kunjalo, kuza ukuphazamiseka. Iimbali ze-bureaucracy ezingapheliyo, amaxesha atshintsho okwexeshana kwiimali-mboleko, inkonzo yabathengi abangabonakaliyo, kunye neerhafu ezihlawulwe ngokubanzi zinomlando omde ekugxeka iBhanki yaseMelika. Umfanekiso weBhanki yaseMelika njengesiqhwaga esingakhathazekiyo ngenkonzo yabathengi kubangele ukuba abantu abancinci kodwa abancinci bafikelele emkhombeni kwiibhanki zendawo.
Gcina itshintshi
Imveliso emitsha, iinkonzo ezintsha, kunye neengubo zokuthengisa ezijoliswe kubathengi zihlala zikhutshwa. Umzekelo omnye ngumkhankaso wokuthengisa emva kokuba "ugcine utshintsho " lwenkqubo - abathengi babhalise ukuba "batshintshe" kwi-akhawunti nganye yokuthengiswa kwekhadi lokubambisa kwi-akhawunti yabo yokugcina imali, njengobhanki bebhanki.
Ukufikeleleka lula
Ngaloo nto, iBhanki yaseMerika iye yaphucula i-website yayo, ukufikelela kwi-intanethi kunye nezixhobo eziphathekayo. Iinqununu zivela kwi-akhawunti yolawulo lwe- akhawunti, iimali-mboleko kunye nokutyalomali kwi-software evumela ukuba abathengi bajonge kunye negrafu yabo yokuchitha kwi desktop, i-laptop, tablet kunye neselula.
Thumela iintambo kwi-akhawunti kwi-akhawunti yase-US nakwamanye amazwe. Ngenisa nje ulwazi lokwazisa, ungene kwiitshekishe ezimbalwa zokhuseleko, kwaye ukuthumela imali kulula nje njengeenkcazo ezimbalwa zeqhosha.
IBhanki yaseMelika nayo yenza umsebenzi omkhulu ekudaleni "ivenkile enye" kubaxumi. I-akhawunti yokutshekisha, i-akhawunti yokulondoloza, i-portfoliyo yokutshala imali, kunye nemali ebophelwa ngumthengi ofanayo nayo yonke inokufikelela kunye ne-Bank of America efanayo.
Ngaba iBhanki yaseMelika iyayifumana
Kukho i-trade-offs kunye nokunyaniseka xa ukhetha i-Bank of America njengeziko lakho lemali eliphambili. Kukho imveliso emininzi ukuba iqale ukuluhlu apha, kodwa i-website yenza umsebenzi ocacileyo wokuchaza ezininzi zazo. Ukuba usemarikeni entsha yebhanki, kuyafaneleka ukuba uphando ngeBhanki yaseMerika, kodwa ungagxininiswa kuzo zonke iindlela.
Gcina kwizinto ezisisiseko-iinkonzo ozifunayo, ukulungiswa kokusetyenziswa, ukuthembeka, isakhiwo semali, kunye nokukwazi ukufumana iimpendulo xa ufuna.