摘要：Internet- technology is nowadays commonly used in the financial sector, mainly in the field of customerrelations. Electronic finance covers the full system of the customer relationship management, a.k.a. phone, fax, e-mail, mobile and web-channels. This study covers only the usage, advantages and disadvantages of internet-based channels. Transferring information and carrying out transactions via the electronic channels is beneficial for the financial institutions as well as the clients. The role of the traditional infrastructure, the branch-system has to be adapted to the needs of the future. This study summarizes the experiences of the Hungarian digital banking industry based on personal interviews and public statistical and academic resources. It covers the description of solutions, services and clientele in the modern on-line banking systems and shows a perspective of how the financial institutions should step forward towards the maximal fulfillment of the digital needs.
