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Internet banking refers to the delivery of banking services through the internet using electronic devices such as computers, smartphones, and tablets. It enables customers to access their bank accounts and perform a wide range of financial transactions anytime and anywhere without visiting a physical branch. Through internet banking, customers can check account balances, view transaction history, transfer funds between accounts, pay utility bills, recharge mobile phones, apply for loans, make investments, and manage various banking services in a convenient and cost-effective manner. Internet banking has emerged as a significant component of electronic banking and has transformed the traditional banking system by improving efficiency, speed, and customer satisfaction. The concept of internet banking is based on the integration of information technology with banking operations. Banks create secure websites or mobile applications that are connected to their core banking systems. Customers are provided with unique user IDs, passwords, and authentication mechanisms to log into their accounts. Once authenticated, users can interact with the bank’s database in real time. Internet banking can be broadly classified into informational, communicative, and transactional services. Informational services provide general information such as interest rates and product details. Communicative services allow interaction between customers and banks through emails or queries. Transactional services enable actual financial transactions such as fund transfers and payments. With the advancement of technology, most banks now offer comprehensive transactional internet banking services. Internet banking offers several advantages to both banks and customers. For customers, it provides convenience, time savings, and round-the-clock access _______ ________ _______ ________ ____ __________.
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