单选题 Passage 4 The beauty of telephone banking is that every major banking service can be delivered via it apart from cash withdrawal. Even this last service can be included in a real sense in stored value card (SVC)schemes which permit the “loading” of cards over the telephone. The typical range of services available via the telephone are balance enquiry, statement ordering , chequebook request facility, fund transfer, general account queries and advice, ordering travelers’ cheques from banks, etc. Although it forms a large range of services, generally speaking ,telephone banking service may be classified into three principal types. The first makes use of automated voice response technology, This involves the customer using his tone-phone to send wait are in effect digitized data messages to the system in order to activate a particular service. The second type of service makes use of human operators entirely and no automated voice response is used. As we can see, even systems which do use automated voice response will use human operators for other than routine transactions. Finally, some telephone banking services are PC-based: that is, they use a personal computer which interfaces with the system via a data communication process delivered by the telephone. Some PC-based services use the customer’s standard desktop PC, while others make use of a special dedicated terminal which is typically either supplied gratis to the customer or released to the customer by the bank for a nominal charge.