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Online banking, also known as virtual, internet or e-banking, is an electronic payment system that offers customers of a bank or other financial institution the opportunity to carry out a large number of financial transactions via the bank's website. Because online banking is heavily dependent on Internet access and distribution, the first e-banking services were introduced in New York in the early 1980s, then known as "home banking". Online banking is very popular these days. Statistics show that 81% of bank customers in the US have used online banking services at least once in the last 12 months. Most banks are able to offer all of the services traditionally offered in a local branch online, including checking account balances or a list of recent transactions, paying bills, or transferring funds to someone else.
While e-banking has been around for some time, mobile banking is a relatively new service offered by financial institutions. Due to the growing popularity of smartphones, more and more banks are developing their own mobile banking applications. In 2015, 90% of bank customers in the US had used mobile banking to check their account balance or recent transactions in the last 12 months.
Some banks are hard at work developing new tools in addition to the traditional bank account management services available through their smartphone apps. For example, some banks in the UK now allow you to withdraw money from an ATM using their mobile app instead of your credit or debit card. In the meantime, a significant number of bank customers have decided against using mobile banking for reasons of trust and security.