The bank online is becoming the great challenge of the traditional organizations. Internet allows the users to realize all type of financial operations without needing going to the physical office, like transferring bottoms, obtaining statements of account, to ask for credits, to block credit cards, etc. Some of the main banks online that operate in our country are: ActivoBank (Sabadell Bank), Bancopopular-e (Popular Bank), One (BBVA), Openbank (Santander Group), iBanesto (Banesto-Group Santander), Oficinadirecta.com (Bank Shepherd) and ING. Direct.

These organizations online offer a series of advantages to the users, between whom they emphasize: comfort, immediacy, services 24 hours to the day 7 days to the week, facility of access, saving in costs with respect to the traditional bank, which repels in the client, transparency in the information and extends customized supply of products and services. And for the banks online also it represents an opportunity of expansion of the business and a better advantage of his resources. But we do not have to see these organizations as a threat to the traditional bank, but like the consolidation of a new complementary financial channel.

However, disadvantages exist that, sometimes, move away to the potential clients of the bank online. The main preoccupation is the security of the operations, as well as that the personal and confidential information is not spread. The little communication between client and organization, as well as the intangibility of the physical office, also brings about certain distrust. In the case of the people majors, another problem which must face is the limited knowledge of the use of new technologies and Internet.

Key questions before being decided
According to a study on bank online realized by Consumer Eroski, a series of essential elements exists that we must analyze before depositing our savings with total confidence and guarantee. Thus, for the technicians of Consumer Eroski, the perfect bank online must satisfy the following requirements:

• Trustworthy and up-to-date information that it, at least, includes the physical address of the company, telephone number, fax, electronic mail and/or any other form of contact.

• Service of attention to the client with qualified personnel able to resolve any doubt. For example, the user must know who takes care of to him and the cost the call.

• A service accessible for all (version for disabled) and adapted to the different platforms (Windows, Macintosh or Linux) and navigators (Internet Explorer, Firefox).

• Page Web of easy handling, even for people nonaccustomed the use of Internet, as it is the case of some people majors. The operations must be simple to execute and to go accompanied of clear information on their mechanism and allowing the confirmation of the data of the operation.

• To fulfill the protocol of security for the data transmission and to make clear visible before the user who is fulfilled.

What is evident is that more and more people value the advantages that the bank offers online and increases the confidence in the operations that can be realized. Of there, the amount of financial products that supply, to conditions difficult to equal by the traditional bank.

No bank asks for data by electronic mail

Lately, multiple frauds known like “phishing� have been detected, created with the aim to rob data to acquire confidential data of fraudulent form. The swindlers, met like “phisher�, are made pass through a person or company of confidence and use any pretext: a computer science error, change of system or lapsing of the keys, to ask for by electronic mail (or through a telephone call) personal data or passwords of access, by means of a message difficult to distinguish of a legitimate banking communication, that connects to a false page. For that reason, it remembers: no bank asks for data by email or telephone, so does not facilitate the keys to anybody, nor so at least to the personnel of the own bank.

Perhaps this one is one of the recommendations of use more important to consider. Although there are others:

• In order to leave his bank online, it is not enough with closing the navigator. It is necessary to use the option to disconnect that they offer the Webs, so that our data are not exposed.

• If it enters his bank online from a shared computer, that asegúrese of is deactivated the option “to remember password� of the navigator. Also it agrees to erase the cache (internal memory) of the computer when leaving it and to certify that there are no programs that keep copies from the visited pages.

• If the direction of the page Web (URL) that appears in the bar of navigation begins by “https� can breathe calm, it is acceding to safe surroundings. Also in the bar of state of the navigator (in the part of under the monitor) a closed padlock must be seen, that it indicates that the protocol used for the information shipment is safe.

Clauses of special importance

1. Responsibility in case of robbery (when somebody other people's one operates in the virtual account): some banks exempt of this responsibility when understanding that their means of security are unshakeable.

2. Collection of mail: some banks receive by the vouchers emitted by ordinary mail, although normally they offer the option of the electronic mail to avoid expenses to the user.

3. Possibility of installments: in order to limit the access the offices, some banks restrict in products online the possibility of realizing installments (income in cash by nontitular people of the account).