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The precursor for the modern home loan banking services were the distance banking services over electronic media from the early s.
The term 'online' became popular in the late s and referred to the use of a terminal, keyboard and TV or monitor to access the banking system using a phone line.
Some of the earliest services started in New York in when four of the city's major banks Citibank , Chase Manhattan , Chemical and Manufacturers Hanover offered home banking services.
Because of the commercial failure of videotex, these banking services never became popular except in France where the use of videotex Minitel was subsidised by the telecom provider and the UK, where the Prestel system was used.
When the clicks-and-bricks euphoria hit in the late s, many banks began to view web-based banking as a strategic imperative. The attraction of banks to online banking are fairly obvious: Additionally, online banking services allow institutions to bundle more services into single packages, thereby luring customers and minimizing overhead.
A mergers-and-acquisitions wave swept the financial industries in the mid- and late s, greatly expanding banks' customer bases. Following this, banks looked to the Web as a way of maintaining their customers and building loyalty.
A number of different factors are causing bankers to shift more of their business to the virtual realm.
While financial institutions took steps to implement e-banking services in the mids, many consumers were hesitant to conduct monetary transactions over the internet.
It took widespread adoption of electronic commerce, based on trailblazing companies such as America Online, Amazon.
Customer use grew slowly. At Bank of America, for example, it took 10 years to acquire 2 million e-banking customers. However, a significant cultural change took place after the Y2K scare ended.
In comparison, larger national institutions, such as Citigroup claimed 2. Morgan Chase estimated it had more than , online banking customers.
Wells Fargo had 2. Online customers proved more loyal and profitable than regular customers. In October , Bank of America customers executed a record 3.
The early s saw the rise of the branch-less banks as internet only institutions. These internet-based banks incur lower overhead costs than their brick-and-mortar counterparts.
In the United States, deposits at most direct banks are FDIC-insured and offer the same level of insurance protection as traditional banks.
Online banking was first introduced in the early s in New York, United States. Chemical introduced its Pronto services for individuals and small businesses in , which enabled individual and small-business clients to maintain electronic checkbook registers, see account balances, and transfer funds between checking and savings accounts.
Pronto failed to attract enough customers to break even and was abandoned in Other banks had a similar experience.
Since its inception in the United States, online banking has been federally governed by the Electronic Funds Transfer Act of Stanford Federal Credit Union was the first financial institution to offer online internet banking services to all of its members in October Almost simultaneously with the United States, online banking arrived in the United Kingdom.
The system used was based on the UK's Prestel viewlink system and used a computer, such as the BBC Micro , or keyboard Tandata Td connected to the telephone system and television set.
The system allowed on-line viewing of statements, bank transfers and bill payments. In order to make bank transfers and bill payments, a written instruction giving details of the intended recipient had to be sent to the NBS who set the details up on the Homelink system.
Typical recipients were gas, electricity and telephone companies and accounts with other banks. Details of payments to be made were input into the NBS system by the account holder via Prestel.
A cheque was then sent by NBS to the payee and an advice giving details of the payment was sent to the account holder.
BACS was later used to transfer the payment directly. After a test period with 2, users starting in , online banking services were launched in ,  using Minitel terminals that were distributed freely to the population by the government.
Online banking was one of the most popular services. Around , banks saw the rising popularity of the internet as an opportunity to advertise their services.
Initially, they used the internet as another brochure, without interaction with the customer. Early sites featured pictures of the bank's officers or buildings, and provided customers with maps of branches and ATM locations, phone numbers to call for further information and simple listings of products.
In , Wells Fargo was the first U. That same year, Presidential became the first U. According to research by Online Banking Report, at the end of less than 0.
At the beginning of , some 33 million U. Online banking facilities typically have many features and capabilities in common, but also have some that are application specific.
The common features fall broadly into several categories:. Security of a customer's financial information is very important, without which online banking could not operate.