Abstract

As banks expanded their activities and services they developed rapidly with innovations in communication technologies and financial markets and were constantly in the process of change and adaptation. The intensive use of technologies has led to the acceleration of the transformation process in the banking sector and the provision of access to banking services anywhere. Due to intense competition in the banking sector, the opportunities and innovations created by technological developments have led to the formation of the concept of electronic banking e banking. The Basel Committee defines electronic banking as the implementation of personal and corporate banking transactions through electronic channels. Technological development and financial liberalization enable the development of new and effective sales channels in the banking sector, and the introduction of more innovative products and services. In this regard electronic banking is one of the areas where banks are making rapid progress. With the change of the traditional banking approach based on the new development trends, customers now benefit from banking services through electronic banking platforms without going to bank branches.

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