1. Stages of development of electronic banking services
1.1. The development of telecommunication technologies has defined three main directions of development in electronic banking services
1.1.1. 1. Client-Bank system-for corporate clients
1.1.2. 2. "Home banking" - service for individuals; then the client is offered to use a tone phone
1.1.3. 3. Mobile banking (WAP-banking)- using a mobile device to make payments
1.1.4. 4. Internet banking - using the global Internet. Internet banking is a further evolution of the usual "Bank-Client" system
2. History of electronic banking services and their essence
2.1. in 1970 the first automated teller machines were introduced. However, the first attempts to automate banking services failed
2.1.1. Reasons
2.1.1.1. the computers that existed at that time in terms of price-performance ratio could not arrange banks
2.1.1.2. - the services offered were not accepted by customers
2.1.1.3. the existing document turnover could still be serviced by the existing staff of banking personnel
2.2. There is a three-level system of electronic banking services
2.2.1. 1) retail electronic services intended for individual consumers
2.2.1.1. include
2.2.1.1.1. - use of bank cards; - use of ATMs and other customer self-service devices; - payment systems in retail outlets; - customer service at home and in the office; - services related to the processing and storage of monetary documents.
2.2.2. 2) wholesale electronic services designed for corporate clients
2.2.3. 3)automated estimated houses designed for corporate clients.