Technology has allowed banks to conduct transactions over the internet, also known as eBanking, and to more easily merge into larger banks.Traditionally, bankers and their customers dealt in face-to-face transactions that allowed the assessment of trust on the basis of physically observed information.
While some banks have resisted change due to the traditional personal relationships they have had with customers, electronic commerce dramatically reduces transaction costs, use of paper, and the need for personnel to deal with customers face-to-face.The recent financial crisis in the banking in

Question

Technology has allowed banks to conduct transactions over the internet, also known as eBanking, and to more easily merge into larger banks.Traditionally, bankers and their customers dealt in face-to-face transactions that allowed the assessment of trust on the basis of physically observed information. 
While some banks have resisted change due to the traditional personal relationships they have had with customers, electronic commerce dramatically reduces transaction costs, use of paper, and the need for personnel to deal with customers face-to-face.The recent financial crisis in the banking in