Abstract
As people’s daily lifestyle becomes digital, people interact more frequently with online services and generate increasing amounts of personal data, the bank card appears as a modern invention of cashless payment. In fact, banks evolve in a competitive climate, this being the most favorable environment for obtaining banking income. All these premises guide banks on the path of developing their transactions, complicating funds transfer systems, increasing their speed and security. Banking operations, which have as their object payment instruments and techniques, represent an area of major importance in the development of financial activity and not only in all countries that accept monetary payment systems.
Published Version
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