Abstract. The growth in the number of Internet users contributes to the increase and spread of online sales and the creation of electronic payment systems for purchases and the creation of electronic wallets. When conducting transactions online, many users prefer to have a single point of access to your own funds, without the need to deposit them and transfer them to third-party resources in order to avoid problems with non-compliance with security conditions. An additional way to attract customers to use remote banking services is to use currently popular instant messengers (Telegram, WhatsApp, Viber), which can significantly reduce costs and relieve credit institution employees. To communicate with bank employees, the client does not need to call the call center, just send a request in the chat of one of the instant messengers used by the bank, and the client will receive feedback within a few seconds.
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