La Caixa & Samsung Bring Banking to Smart TV

Pablo Valerio, International Business & IT Consultant | 4/16/2012 | 49 comments

Pablo Valerio
La Caixa, the biggest European Savings Bank (and recently named the most innovative bank in the world), has always been a pioneer in new technologies to help customers manage their accounts online, through Web-enabled ATMs and mobile devices.

Their online channel, Linia Oberta, is one of the most advanced banking applications, letting customers manage almost all their banking needs from their computers, tablets, and smartphones with the most sophisticated security measures.

Now, in partnership with Samsung, La Caixa is adding another channel to the service, Linia Oberta on Smart TV, so that if you’re watching TV while your laptop, smartphone, or iPad is out of reach, you still don’t need to move from the sofa to check your finances.

Here is a quick look at it.

Initially, the Smart TV application will only let you check your finances, your accounts, credit cards, stock portfolio, etc, without the possibility to order transactions on the platform. But it can give customers the flexibility to check payments of their bills, verify the most usual transactions, and if they want to make any changes, go to their PCs to use the regular banking service. And more services may follow.

The security systems are similar to the ones on normal Web browsers. For example, customers accessing the bank Website need to enter their access code using an online keypad to protect it from any keylogging application. If customers want to make a transaction, they need to enter a four-digit code from a special coordinate card with 60 possibilities that the bank gives them personally at their branch.

The new Smart TV system works with all Samsung Smart TV-connected devices, including televisions, Blu-ray players, and home cinemas with Internet connections.

The press release states:

    La Caixa leads the Spanish mobile banking sector both in terms of individual customers and business users. With 2.2 million customers using mobile services, the bank's mobile applications have been downloaded more than 2 million times. La Caixa offers more than 50 applications, all freely available via its applications store, CaixaMóvil Store.

Smart TV applications are available for gaming, social media, news, and entertainment, and Samsung is adding more continuously, but this is the first banking application for the European market to use the platform.

La Caixa is already studying the possibility to add basic transactions on the Smart TV system, such as buying tickets for movies and events, pay-per-view services for sports, and other services offered on their ServiCaixa system, now part of TicketMaster.

This new functionality is key for Samsung to keep providing new value for the Smart TV market, and consumers are likely to be very pleased with the results. And because your TV is far less likely to be lost or pickpocketed, it may offer a more secure method for banking than many mobile devices.
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Syerita Turner   La Caixa & Samsung Bring Banking to Smart TV   5/28/2012 6:46:59 PM
Re: Fewer Desktops
Well thanks for the compliment. I had to chuckle at the common password. The most idiotic password is password. LOL!! I think that you should always have a plan b just because you never know and you are right it is better to be safe than sorry.
keveend   La Caixa & Samsung Bring Banking to Smart TV   5/24/2012 11:45:51 AM
Re: Fewer Desktops
Well you are one of the intelligent people then. Most people don't think about a plan b. If they are comfortable with what they are using, they don't pause for a minute to think about a backup plan. Otherwise would the most common password in the world be 123456? You should always take caution. Prevention is better than cure and better safe than sorry!
Syerita Turner   La Caixa & Samsung Bring Banking to Smart TV   5/21/2012 9:05:29 PM
Re: Fewer Desktops
@keveend. You make very valid points. Theives will be attracted to almost anything in these days and times. We still have to keep the responsibility of having a plan b in that instance; keeping a record of all of your information for ease of stopping such instances from happening. I know that with my bank I have very awesome fraud protection and that is what counts the most when your money/identity is on the line.
keveend   La Caixa & Samsung Bring Banking to Smart TV   5/19/2012 8:23:42 AM
Re: Fewer Desktops
But don't you think that when all the personal info like bank account numbers are available on your tv which sits around your house all day, your house is more prone attract unwanted guests. For a thief stealing a tv is a lot of trouble because of its size and in the end its just a tv but in a situation where you use your tv for banking, stealing a tv can open a whole lot of sensitive information about you.
keveend   La Caixa & Samsung Bring Banking to Smart TV   5/19/2012 8:14:34 AM
Re: Fewer Desktops
But don't you get tempted when you see something better in the market. Something with more advanced features and capabilities. It's very difficult to satisfy,yourself when you know that something better is out there. So I believe what you said regarding a television staying great over time is wrong.
Syerita Turner   La Caixa & Samsung Bring Banking to Smart TV   4/30/2012 9:29:44 PM
Re: Fewer Desktops
I am all for it. I think that being able to have this information through apps connected with SmartTV is excellent. I recently purchased Google TV and I love it. I am able to surf the net on my couch and watch movies online without squinting. I love the fact that I have apps and can get free apps at that. I think that this move is a great one. Just to think if more banks jump on this that they will be really successful with the SmartTV market. Everyone is going after these things nowdays.
nasimson   La Caixa & Samsung Bring Banking to Smart TV   4/30/2012 1:17:16 PM
Re: Fewer Desktops
@syedzunair: I'm afraid I'll have to disagree. You can do so much more with a Smart TV now. You have the Internet and those other apps I spoke of in my last post.

Apart from that you can wirelessly stream your media from smartphones using DLNA. Then there's USB support for flash drives and IDE peripherals.

The list goes on. Companies are using the trade-off factor to their advantage. On top of that the advertisements are so delicious that everyone desires to own the work of art they show us, so to speak.
fbpmt   La Caixa & Samsung Bring Banking to Smart TV   4/30/2012 1:15:42 PM
Re: Fewer Desktops
tinym - if the smart tv can upgrade via a software download that would be great. then no need to buy a new one every year!! though the smartphone gets software updrade bvia download and yet we still run out and buy buy buy?
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syedzunair   La Caixa & Samsung Bring Banking to Smart TV   4/30/2012 12:13:23 PM
Re: Fewer Desktops
tinym - most people wouldn't want to upgrade every year. I think there is only 'so much' that one can do with a television as compared to the laptops/desktops. Hence, there is probably no need to upgrade every year (keeping in mind the current costs). 

For me TV replacements happened only because of two reasons. The first being the old one died and the second being I didn't have enough space to hold a CRT. So it just had to make way for a LCD. 

 
nasimson   La Caixa & Samsung Bring Banking to Smart TV   4/30/2012 10:10:33 AM
Re: Fewer Desktops
@tinym: But isn't that the illusion of it all? The Smart TV that you bought today will be selling for half the price next year, maybe even less.

In our fast moving world of Tech this viral habit of upgrading has infected even our TVs now.

Our Smart TVs are already equipped with Internet and come pre-installed with nifty applications like Youtube, Skype etc.

I'm not being in favor of Smart TV banking but like it or not, it's inevitable. These companies have no holds barred and they're willing to sniff out every last possibility of increasing functionality of their products.
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