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nce and banking edit when the clicks and bricks euphoria hit in the late 1990s many banks began to view web based banking as a strategic imperative 5 in 1996 op financial group a cooperative bank became the second online bank in the world and the first in europe 6 the attraction of online banking is fairly obvious diminished transaction costs easier integration of services interactive marketing capabilities and other benefits that boost customer lists and profit margins additionally online banking services allow institutions to bundle more services into single packages thereby luring customers and minimizing overhead in 1995 wells fargo was the first u s bank to add account services to its website with other banks quickly following suit that same year presidential became the first u s bank to open bank accounts over the internet according to research by online banking report at the end of 1999 less than 0 4 of households in the u s were using online banking at the beginning of 2004 some 33 million u s households 31 were using some form of online banking five years later 47 of americans used online banking according to a survey by gartner group meanwhile in the uk online banking grew from 63 to 70 of internet users between 2011 and 2012 7 by 2018 the number of digital banking users in the u s reached approximately 61 percent 8 the penetration of online banking in europe has been increased as well in 2019 93 percent of the norwegian population access online banking sites which is the highest in europe followed by denmark and netherlands 9 across asia more than 700 million consumers are estimated to use digital banking regularly according to a 2015 survey by mckinsey and company 10 by 2000 80 of u s banks offered e banking 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 2001 bank of america became the first bank to top 3 million online banking customers more than 20 of its customer base 11 in comparison larger national institutions such as citigroup claimed 2 2 million online relationships globally while j p morgan chase estimated it had more than 750 000 online banking customers wells fargo had 2 5 million online banking customers including small businesses online customers proved more loyal and profitable than regular customers in october 2001 bank of america customers executed a record 3 1 million electronic bill payments totaling more than 1 billion as of 2017 the bank has 34 million active digital accounts both online and mobile 11 in 2009 a report by gartner group estimated that 47 of united states adults and 30 in the united kingdom bank online 12 the early 2000s 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 some direct banks are fdic insured and offer the same level of insurance protection as traditional banks neobanks are branch less banks in the united states which are not fdic insured first online banking services by region edit the united kingdom edit online banking started in the united kingdom with the launch of nottingham building society nbs s homelink service in september 1982 initially on a restricted basis before it was expanded nationally in 1983 13 homelink was delivered through a partnership with the bank of scotland and british telecom s prestel service 14 the system used prestel viewlink system and a computer such as the bbc micro or keyboard tandata td1400 connected to the telephone system and television set the system allowed users to transfer money between accounts pay bills and arrange loans compare prices and order goods from a few major retailers check local restaurant menus or real estate listings arrange vacations enter bids in homelink s regular auctions and send electronic mail to other homelink users 14 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 the united states edit in the united states in home banking was is still in its infancy with banks cautiously testing consumer interest in 1984 a year after online banking went national in the uk 14 at the time chemical bank in new york was still working out the bugs from its service which offers somewhat limited features 14 the service from chemical called pronto was launched in 1983 and was aimed at individuals and small businesses it enabled them to maintain electronic checkbook registers see account balances and transfer funds between checking and savings accounts the other three major banks citibank chase bank and manufacturers hanover started to offer home banking services soon after chemical s pronto failed to attract enough customers to break even and was abandoned in 1989 other banks had a similar experience since it first appeared in the united states online banking has been federally governed by the electronic funds transfer act of 1978 citation needed france edit after a test period with 2 500 users starting in 1984 online banking services were launched in 1988 using minitel terminals that were distributed freely to the population by the government by 1990 6 5 million minitels were installed in households online banking was one of the most popular services online banking services later migrated to the internet japan edit in january 1997 the first online banking service was launched by sumitomo bank 15 by 2010 most major banks implemented online banking services however the types of services offered varied 15 according to a poll conducted by japanese bankers association jba in 2012 65 2 were the users of personal internet banking 15 china edit in january 2015 webank the online bank created by tencent started 4 month long online banking trail operation 16 hong kong edit in hong kong the term virtual bank usually excludes the internet banking or online banking often termed ebanking ibanking etc services provided by traditional banks which serve primarily via physical branches the hong kong monetary authority defines virtual bank as a bank which primarily delivers retail banking services through the internet or other forms of electronic channels instead of physical branches 17 the first virtual banking license in hong kong was issued in 2018 18 virtual banks are subject to the same set of supervisory requirements applicable to conventional banks 17 and are members of the deposit protection scheme dps by 2024 there are 8 virtual banks in the city including za mox livi pao airstar welab fusion ant 18 most of which are financially backed by larger corporations australia edit in december 1995 advance bank acquired by st george bank started to provide customers with online banking with the rollout of the c internet banking program 19 india edit in 1998 icici bank introduced internet banking to its customers 20 india s online banking system includes the national electronic funds transfer neft and real time gross settlement rtgs which are overseen by the reserve bank of india rbi and the immediate payment service imps which is run by the national payments corporation of india npci 21 22 brazil edit in 1996 banco original sa launched its online only retail banking 23 in 2019 new banks began to emerge as the conta simples focused only for companies 24 slovenia edit virtual or online banking became a reality in slovenia in 1997 when skb bank launched this service under the name of skb net two years later they were followed by the largest slovenian bank nlb bank who started offering online banking services in 1999 under the name of nlb klik nowadays actually every bank in slovenia is offering online banking services the slovenian central bank s data shows that there was a rise of 5 1 in 2017 from the previous year and the number almost doubled from more than ten years ago at the end of 2019 the number of users was almost 1 million the number of payments is around 26 million per quarter which means that there are more than 100 million payments made online in slovenia every year and another 3 million made to offshore accounts data from the slovenian central bank also show that the total value of payments in 2017 reached more than 240 million more than 900 000 use online banking in slovenia 25 canada edit virtual banking first became a possibility in 1996 with the bank of montreal s mbanx mbanx was released at the very beginning of the internet banking revolution in canada and was the first full service online bank 26 also in 1996 rbc started providing banking information online and had the first personal computer banking software released that year 26 in 1997 the bank ing direct canada now known as tangerine bank was founded with almost entirely online banking using only small cafes for meetings and very few physical branches 27 this was completely different from how banks had operated in canada previously by the early 2000s all of the major banks in canada rolled out some form of online banking ukraine edit remote customer service of banks via the internet or online banking e banking in ukraine was introduced more than two decades ago legal entities have been using the remote control of bank accounts since the mid 1990s privatbank which launched the privat24 system in 2000 became a pioneer in retail online banking 28 since 2000 most financial institutions have been actively implementing online offices and web banking 2007 the number of ukrainian banks that introduced online banking exceeded 20 2018 the ability to manage accounts and make transfers online is available in almost all financial institutions in ukraine nowadays the list of internet banking services with rare exceptions repeats the entire product line of banks with the help of internet banking ib you can not only control the movement of funds in their accounts but also perform more complex operations for example order a payment card or open a deposit account repay the loan and recently it became possible to buy and sell currency 29 the rapid development of internet banking in ukraine is provoking the growth of internet users it is important to mention that the largest functionality more than 40 options from transfers and opening deposits to home accounting and purchasing tickets are available in privatbank there are 37 options in the internet banking system of the first ukrainian international bank 35 in alfa bank one of the most popular services in which internet banking users are interested in the ability to pay remotely for utilities 30 macedonia edit compared to several years ago when the people living in macedonia had to go directly to the banks to perform financial transactions today there is a widely functional e banking system macedonian banks today offer conventional e banking services electronic products including debit credit cards and e trading and contemporary electronic services like internet banking and online investing what is important when it comes to e banking is the trust in banks usability of the platforms and the overall marketing for e banking from banks moreover it s also important to constantly update the e banking services one successful example regarding the above mentioned characteristics in macedonia is stopanska banka ad skopje in the country several factors significantly influence the level of adoption and usage of e banking services such as age level of education and complexity of the e banking services offered by banks naturally elderly clients use e banking services less than younger people in addition the level of education has a significant influence on the level of usage meaning that the higher the education level the more likely is for the citizen to use e banking services as for the satisfaction citizens are generally more satisfied with the e banking services offered by various banks when they have a diverse portfolio of services and offer fast and simple completion of transactions 31 cook islands edit the bank of the cook islands introduced online banking in 2015 under the leadership of vaine nooana arioka 32 operation edit this section does not cite any sources please help improve this section by adding citations to reliable sources unsourced material may be challenged and removed march 2021 learn how and when to remove this message uml class diagram depicting a bank account to access a bank and online banking facility a customer with internet access will need to register with the bank for the service and set up a password and other credentials for customer verification the customer visits the financial institution s secure website over https and enters the online banking facility using the customer number and credentials previously set up each financial institution can determine the types of financial transactions which a customer may transact through online banking but usually includes obtaining account balances a list of recent transactions electronic bill payments financing loans and funds transfers between a customer s or another s accounts most banks set limits on the amounts that may be transacted and other restrictions most banks also enable customers to download copies of bank statements which can be printed at the customer s premises some banks charge a fee for mailing hard copies of bank statements some banks also enable customers to download transactions directly into the customer s accounting software the facility may also enable the customer to order a cheque book statements report loss of credit cards stop payment on a cheque advise change of address and other routine actions some financial institutions offer special internet banking services for example personal financial management support such as importing data into personal accounting software some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions security edit five security token devices for online banking for online banking mobile app customers can login with their pin or password many support fingerprint scan as well security of a customer s financial information is very important without which online banking could not operate similarly the reputational risks to banks themselves are important 7 financial institutions have set up various security processes to reduce the risk of unauthorized online access to a customer s records but there is no consistenc...