Abstract. Today, every day is filled with news that is an important factor in the development of the economy of our country, including new modern information and communication technologies in the banking sector, which is considered one of the important sectors of the economy as a result of the rapid development of the global banking and financial system (An even greater need for the use of ICT . In fact, the speed, quality and transparency of all services provided by commercial banks using information technology are the requirements of today. It's no secret that such speed, quality and reliability are provided by various forms of modern remote banking services, which are now completely replacing traditional banking services. Modern banking services serve to empower customers by creating greater convenience.