Virtual Banking

TABLE OF CONTENTS

     01.00............ EXECUTIVE SUMMARY
     02.00............ TRENDS IN RETAIL BANKING
     03.00............ ABOUT THE INTERNET
     04.00............ VIRTUAL BANKING AND APPLICATIONS
     04.01............ SMART CARDS
     05.00............ EXAMPLES
     06.00............ SECURITY ON THE INTERNET
     06.01............ CRYPTOGRAPHY
     06.02............ FIREWALLS
     06.03............ TRUSTED OPERATING SYSTEMS
     07.00............. REGULATIONS AND PROBLEMS
     08.00............ CONCLUSION .
     09.00???. REFERENCES

     01.00    EXECUTIVE SUMMARY
The Internet is emerging as an efficient delivery channel for financial services. With
Internet banking, customers do not need to have special bank-issued software. Banks
maintain their identity and can differentiate themselves by customizing the services                    And information they provide over the Internet.

     02.00    TRENDS IN RETAIL BANKING
     What does better customer mean? Increasingly, customers are demanding more
     convenient ways to do their banking. An Ernst and Young study (Technology in
     Banking Report) concluded that "nothing changes in the banking world if customers
     cannot get financial ...
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