RESEARCH ARGUMENT: ONLINE BANKINGThe banking industry in the United States has existed since 1791, when the first bank was established to service the Revolutionary War debt. Coins and notes were the primary source of currency at the time and still are to some extent in the 21st century. However, over the last two and a half centuries, banking has evolved in many ways. Basic banking services such as deposits, withdrawals, saving and borrowing have come a long way from the beginning to where they exist today. Nowadays, there is a much wider range of banking services and products such as mortgages, wealth management, debt consolidation, credit cards, to name a few. Since the 1970s until today, banks have integrated technology into their operations much more. This has led people to obtain financial services not only from the local bank branch with the human teller, but more importantly from the comfort of their homes or any place with internet access, not limited to business hours. desk. Online banking began in 1985, but it was limited because many people...