in the United States,Internet banking is still concentrated in the largest banks.In mid-2001.44 percent of national banks maintained transactional websites almost double the number in the third quarter of 1999.These banks account for over 90 percent national
banking system assets.The larger banks tend to offer a wider array of electronic banking services,including loan applications and brokerage services.While most U.S.consumers have accounts with banks that offer internet services,only about 6 percent of them use these services