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E-banking services – features, challenges and benefits


  • Imola Drigă

    () (University of Petroşani, Romania)

  • Claudia Isac

    () (University of Petroşani, Romania)


Today traditional banking services, based on lending and deposit-taking operations, are only part of banking activities. Due to the emergence of a knowledge-based economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.

Suggested Citation

  • Imola Drigă & Claudia Isac, 2014. "E-banking services – features, challenges and benefits," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 14(1), pages 49-58.
  • Handle: RePEc:pet:annals:v:14:y:2014:i:1:p:49-58

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    References listed on IDEAS

    1. Imola Drigă & Dorina Niţă & Codruţa Dura, 2009. "Aspects Regarding Internet Banking Services in Romania," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 9(3), pages 239-248.
    2. Dmitri Sokolov, 2007. "E-Banking: Risk Management Practices of the Estonian Banks," Working Papers 156, Tallinn School of Economics and Business Administration, Tallinn University of Technology.
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    Cited by:

    1. repec:pet:annals:v:15:y:2015:i:2:p:53-62 is not listed on IDEAS
    2. Imola Drigă, 2014. "Online Banking in The Romanian Banking System," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 14(2), pages 85-92.
    3. repec:pet:annals:v:15:y:2015:i:2:p:29-36 is not listed on IDEAS

    More about this item


    banking sector; e-banking; online banking; mobile banking; PC banking; issues in e-banking;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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