No matter where online banking comes from or where it is today, it is most certainly here to stay. As a tool of modern living and as a lifestyle aid, it is absolutely indispensable. The fact is that many services that are now being offered with online banking are almost impossible to avail of in regular banking. This holds even truer for developments that the future of online banking will bring.
Judging by its current popularity and rate of implementation, online banking will increase in scope and user base in the future. Individuals and businesses that have refused to adopt it as a commercial tool before now will not really be left with much choice. As things stand now, using conventional methods of business inquiry, confirmation, order-placement and bill payment is retrograde at best. The speed (and reduced manpower) with which the same activities can be done online leaves the traditional methods completely in the shade. The same holds true for normal vs. online business-related banking.
In a domestic setting, too, shopping has been and will continue to be revolutionized by the Internet option. Payments for goods bought online will almost always be made via a bank-related credit card or direct deduction from a bank account.
However, traditional biases against online banking are not going to be entirely owed by hard facts and figures in its favor. The rate at which this sector of banking will grow will depend on how many user-friendly facilities are incorporated, the additional facilities that will be added and the way the concept is packaged for the general public.
It is unfortunately a fact that banks and their customers have rarely agreed on what is a useful facility and what is not. A lot of market research and customer polling will be required before the gap between what is needed in banking and what is available is filled. When that finally happens, the final frontier of online banking will indeed be explored.