The first home banking service was offered to consumers in December 1980 by United American Bank, a community bank with headquarters in Knoxville, Tennessee. 'Home banking' can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank. The term 'online' became popular in the late 1980s and referred to the use of a terminal, keyboard, and TV or monitor to access the banking system using a phone line. The precursor to the modern home banking services were the distance banking services over electronic media from the early 1980s. 1.4 First online banking services by region.1.3 Internet and customer reluctance and banking.Some banks operate as a " direct bank" (also called " neobanks" or "virtual banks"), where they operate entirely via internet banking. Internet banking provides personal and corporate banking services offering features such as viewing account balances, obtaining statements, checking recent transactions, transferring money between accounts, and making payments. Online banking significantly reduces the banks' operating cost by reducing reliance on a branch network, and offers greater convenience to customers in time saving in coming to a branch and the convenience of being able to perform banking transactions even when branches are closed. The online banking system will typically connect to or be part of the core banking system operated by a bank to provide customers access to banking services in place of traditional branch banking. Online banking, also known as internet banking, web banking or home banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website.
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