Online Banking

Online Banking.

The purpose of online banking is to prevent people from having to go into town to bank, this is to make things easier for people.
I have looked closely at the Lloyds TSB bank website, it although it fulfils its purpose and allows you to do all kind of things to do with your bank account. I think onlie banking is aimed at people who long hours and have a hectic life style and therefore struggle to find time to go to the bank during opening times, where as online banking sites allow them to bank whenever they wish.
I also looked at the HSBC site, which works in a similar way and people are able to bank online whenever they wish.
One down side to online banking is things can always go wrong and sometimes it is better to talk to a person about what you want to do and then it is always easier to put problems right. I have heard of many accounts in which people have had serious problems due to online banking so therefore it isnt always the best idea.
Also, you have to be good at computers and know what you are doing because it is a risky business entering in details and you are messing with your own money. Is it really worth the risk?
However, I think banking can be improved in the future, it can be made more efficient and problems need to be made easier to solve, with a place you can be directed too or ring up in order to sort problems rather than hasseling people at your local branch. Although, if you went to them in the first place, you might be better off.