This document discusses how banking is changing and moving increasingly online. It notes that customers now do most of their banking like paying bills and applying for loans online. As a result, customer expectations of convenience and security from their banks are growing. The document advocates that banks get proactive by making their customers' financial lives easier online to gain a competitive advantage through secure and convenient eBanking, which will be key to the future of banking. It also stresses the importance of trust in the relationship between banks and their customers.