In a globalized world where the Internet has transformed the way of doing business, the financial system not could stay behind. Incorporates new information technologies in banking services, which are altering the traditional definitions of product, market and customer, and you have changed the global banking, Internet banking, as a means of communication between banks and their clients to develop whether they are natural or legal persons, to perform transactions online to less time and cost to their usersoptimizing their resources better. Banking activities of the Internet have significantly reduced the barriers to entry, accelerating Bank disintermediation. Currently, studies prove that the sector that is most using information technologies in the world is the financial sector. Initially when banks opened their websites, in order to align with the new technologies that had already been accepted by its customers with commerce, were not convinced of the profitability nor the potential of this business. So that the first pages had a complicated, which prevented the quick navigation and design that only repeated the same advertising messages of branches. Later, banks made large investments in technology and marketing, which allow them to today offer a high range of free online services, from consultations of balances of savings accounts, transfers between accounts, payment for services as light, water, telephone, cable, investments in mutual funds, taxes, information products and services for personal and business banking, among others, which can be accessed from the comfort of home, business, or anywhere.
Also, banks have already developed sophisticated structures that guarantee the privacy of the operations and offer maximum safety in the identification of their customers through access via the Internet. On the other hand, even though in the beginning of Internet banking, customers had no confidence in this new medium; the ease of his use, the speed of the online service and cost reduction that represents not having to move to the offices of banks or make long tails, are its most significant advantages, and the factors that explain its important growth. The banks are making efforts to encourage the migration of its existing customers towards electronic media, since they are cheaper than the branch; as well as to attract new clients virtual Internet banking. Although statistics show that the number of clients that perform operations over the Internet never cease to grow; banking online no account with short-term returns, but rather long-term, because it’s a new product in maturation, and establish a culture of use of this technology, we need by what can not know how much delayed recovery of investment (start-up and advertising costs).