Recent years have been marked by a rapid growth in the number of electronic banking technologies offered on the market. This is an electronic system.
direct transfer payments, debit cards, bank terminals, banking products on the Internet, bank payroll cards.
The future of banking services is the further development of remote banking technologies (RB). Most Electronic banking systems are developing dynamically. This is facilitated by high competition among credit institutions, the struggle for client, the desire to occupy new niches in the financial services markets.
The client gives preference to a bank or a credit institution with a wide range of electronic banking services and their high reliability.
With the rapid development of high-speed Internet, increasing numbers and the quality of mobile devices is developing very intensively Internet banking and mobile banking.
Internet banking is primarily an opportunity to manage bank accounts and cards on-line via the Internet. In Western Europe and America, Internet Banking Services more than 50% of the adult population, and among adults Internet users this figure reaches 90%.
Internet banking allows its user to:
• pay utility bills;
• make money transfers in payment for goods, including the number purchased through online stores;
• replenish and withdraw funds from a plastic card account;
• receive account statements for a certain period of time;
• receive information about received payments in real time;
• pay bills for communication (IP-telephony, cellular communication, Internet) and other services (satellite television, training);
• make money transfers;
• buy and sell foreign currency;
• open various types of accounts and transfer cash to them facilities;
• receive other additional services: subscriptions to magazines and newspapers, brokerage services.
The undoubted advantage of electronic banking for customers has been a significant saving of time due to the fact that there is no need for the client to come to the bank in order to make account transactions; the ability to use banking services 24 hours a day, every day
weeks to quickly respond to any changes in the financial market. In addition, access to the system does not depend on the location of the client, but only on the ability to access the Internet.
Not only customers, but also credit organizations are interested in the development of electronic banking, since electronic payments significantly reduce operational costs, and the costs of improving technology are quickly recouped from subscription service fees.
However, along with the tangible benefits of electronic banking, there are disadvantages associated primarily with ensuring the security of both the bank and its customers.
There is a tendency of growth of the electronic banking market, which is caused both by the spread of banking products among the population and by the development of remote services.
As for mobile banking, over time, it will occupy a growing market share due to the widespread use of smartphones and tablets. WiFi is launched in the Moscow metro and suburban buses, cellular networks of the 4th generation are being developed. In the future, it may be blurring the boundaries between Internet banking.
and mobile banking through the development of flexible interfaces that are applicable to both computers and smartphones. One thing is clear: every year the share of cash turnover among individuals will decline, and the share of payments made using mobile or Internet banking will grow.