There have been many studies conducted on Internet banking, even these studies continue until this day, with more parties involved. The people seem increasingly comfortable with the existence of internet banking every years. One study showed increased use of internet banking by 9.5% from 2007 and is expected to more than 76% of households in 2011 will do internet banking.
Other studies evaluating about how people feel about the security for transactions over the Internet banking. 78% of respondents said that the need for verification of user identity at the time transactions being conducted on their internet banking account is a must. From this study indicate that banks or other institutions that perform internet banking service must do well every protection on user identity. This will help them to limit their losses against the abuses of identity.
Research into the demographics of internet banking has also been studied. The result is that people with middle income who use internet banking fear that someday they will lose control over the use of internet banking without a good record. What can be done to provide a better record will make they feel more comfortable to use internet banking service. While people with low income have many reasons for not using internet banking. In contrast, people with huge income even excessively use of internet banking service, they also tend to use the service without fear. This may be because they are not in danger as the possibility to run out of money and overdrawing their internet banking account.
It is true that the internet banking and online bill payment is expected to continue to rise and increasingly popular. several studies and surveys have been conducted by asking people what they want from the internet banking service. Apparently most users wanting a clear sign or notification from the provider of internet banking service. It turns out that consumers want a sign or notification given for all the things that happen in the activities of internet banking transactions. They want to be notified when the bill must be paid and when it paid. They want to get an alerts to notify them when certain checks have cleared. Or notice when there are a fraud indications. Whatever happens.
Research on the activities and service of internet banking was going on, and probably will continue to run as long as there is demand for internet banking service. The banks want to know how the service can still provide benefits for them, and vice versa like the expectation of consumers that banks are well balanced with how to serve customers better.