This document discusses trends in electronic banking. It notes that e-banking is cheaper for banks than traditional branches and more convenient for customers. While payment cards generate revenue, e-banking aims to replace frequent branch transactions. E-banking will expand through new business and technical features, and potentially new channels like mobile banking. Banks can use e-banking to sell additional products and services directly to customers. Adopting e-invoicing and bills can save banks and businesses time and money over paper processes.