Wieso werden online Überweisungen nicht am Wochenende bearbeitet?
Hey,
Wieso werden Überweisungen, die an Wochenenden oder Feiertagen per Onlinebanking beauftragt werden, erst am nächsten Werktag getätigt?
Die Server können doch auch an Wochenenden und Feiertagen arbeiten.
Gibt es dafür eine logische antwort, oder ist es noch so, weil es früher auch so war?
Danke im voraus
This is due to the fact that the banks still operate in part with outdated IT systems, which function according to the principle of batch processing (i.e. processing and transfer of larger amounts of data in certain time windows). These systems are reliable, proven and cost-effective – only unfortunately no longer contemporary. On weekends and holidays, no data exchange and no processing takes place for cost reasons.
For more than three years, however, there has been a real-time transfer (SEPA Instant Payment) in parallel with these old systems, in which payments can be transmitted online every day around the clock within a few seconds, and now almost all German banks offer this possibility.