In general, as it stated in the title, remote banking is provision of banking services not in a bank office in direct contact of a customer and a bank employee, but at home, in an office of the client – wherever it is convenient to the client. It should be added that if the system is fully automated, often it is available around the clock and every day of the week, unlike a bank working on a strict schedule. In fact this is the Perfect Money payment system.
There are four main types of remote banking: Internet banking, PC banking, telephone banking, and video banking.

PC-banking, as a rule, one considers as an access to an account using a personal computer implemented via a direct modem connection to the banking network and without using Internet. The client is provided with special software to work with the account.

Video banking is, in fact, the system of interactive co-operation between a client and employees at the bank, some kind of video conference. Usually video banking is available with a device called “kiosk” This is device with a touch screen allowing a client to get different information, as well as chat with employees at the bank on-line and using it to undertake almost any operation. These devices are installed, of course, not at home, but in supermarkets, universities, or other populous places. Often kiosks are combined with ATM (ATM – automatic teller machine).

The most popular kind of remote banking services for today is by phone because of the prevalence and availability of telephone terminals. Operations are carried out using tone dialing. Telephone banking is still the most advanced system from the point of view of mobility: if one has near at hand a phone, it means that for him/her banking services are available.

Additional opportunities have those people who have phones with display (screen-phone). On the other hand, a phone is originally a means of oral communication, and it is bad adapted to carry out banking operations, that is why the number of banks, working with the Internet is constantly growing as well as the number of its clients. In Europe Internet banking is most prevalent in Sweden.

The spread of Internet banking is slowed down due to fears about security, a high fee for this service, which should be added by the price of Internet access.
Very often bank account management systems are integrated with personal financial management programs.

One of the most advanced in the sphere of remote banking in Russia is, perhaps, “Guta-bank’. In addition to the fact that the Bank has organized a system of telephone banking “Telebank”, its clients have an ability to commit securities transactions via the Internet. The Bank together with Diasoft created the program of remote account management “Client-Bank”.

In the west there is a huge number of different services provided on the Internet: one can choose, write and send a greeting card to any holiday, can order a wine bottle or a cake with the words created by you and send it to addressee, buy a CD, video, book, one can visit a virtual casino, and even buy a car. For serious people there are many abilities for buying and selling shares, analytical information, advice, capability to money transfer etc.

Thus, the practical readiness of the Internet for business and the real speed of western business development in the Internet lead to the conclusion that if we are going to be progressive and successful, then our business will have to “jump” to the Internet and use send money online in the nearest future. That is why the Perfect Money appearance is well-timed and with correct management this payment system will become successful.