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This person is explaining that the banks are changing and the one he knows is completely different than the one his children know or will know. with the technology in society growing exponentially we can see a growth in all consumer products. this is driven by the stable economy and the thurst of the financial institutions.
One day physical banks may not exist and that holds great significance for our topic.

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Picture #3: Adapting to digital consumer decision journeys in banking

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Picture #3: Adapting to digital consumer decision journeys in banking

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Many companies are feeling obligated to change the way they operate in order to satisfy the customers. this could mean improving their online functionality and websites.Costumer experience is a big part of banking even if it is online. Many banks have large marketing teams that are constantly thriving to improve the appeal of online resources.
It is very important to consider this when we are discussing the development of a financial institution.
https://www.google.ca/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwiTyYjb7YnTAhUqiVQKHTedBz4QjRwIBw&url=http%3A%2F%2Fwww.mckinsey.com%2Findustries%2Ffinancial-services%2Four-insights%2Fadapting-to-digital-consumer-decision-journeys-in-banking&psig=AFQjCNHrtlCYAmSrYvrczXqhSJK-BeGzKg&ust=1491362704442443

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Website #3: Pros and Cons of Online Banking

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Website #3: Pros and Cons of Online Banking

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The pros include mobile capability and easy set up and use.
The cons include transaction issues, security, impulse purchases.
This website briefly describes all of these point. This video is relevant because it displays all the benefits that make developing online banking worth while for financial institutions.

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Website #2: The Effects of Online Banking

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Website #2: The Effects of Online Banking

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Online Banking has given customers 24h access to their accounts and transactions. It has also increased risk of theft and identity theft but banks use the strongest type of RSA encryption to keep their clients protected.

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Online banking provides consumers with a convenient method of conducting bank business from the comfort and security of their own home and personal computer. Consumers can check account balances and review other account information any time of the day or night. Online banking has changed the face of transactional ...

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Website #1: Benefits of Online Banking on the Environment

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Website #1: Benefits of Online Banking on the Environment

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Not only does online banking make the customers life easier but it also is estimated to save 17 million trees and prevent 4 billion tons of Greenhouse gases a year. As stated in the article, by talking about the benefits of online banking to the environment, some people who were skeptical of online banking due to fraud could be swayed over to online banking.

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Online-banking consumers can do well by doing good, improving financial control while eliminating the paper bills, statements and checks that harm the environment - saving 17 million trees and avoiding 4 billion tons of greenhouse gases a year - according to a recent report from Javelin Strategy & Research.

The report, titled "2007 Online Banking and Bill Payment: Trends, Forecasts, and Strategies for Reinvigorating Growth and Adoption," finds that those who have yet to use online banking have become more entrenched in their objections over time, saying theyÂ "prefer to deal with people" or because of fears of fraud.

As a result, adoption of online banking has begun to slow, according to the report; but by underscoring the environmental benefits of paperless banking, financial institutions can continue to gain online customers, the report suggests.

Some key findings of the Javelin Strategy & Research report:

Some 61 million households now bank online (53% of the US households), which is projected to reach 82 million households by 2012, or 67% of US households.

39 million households pay bills at individual biller sites; that number is projected to reach 50 million by 2012.

Bills viewed or paid at bank sites will grow even faster as financial providers give consumers the features they've wanted all along.

The yearly benefits - if all US households viewed and paid bills online:

Saves 2.3 million tons of wood, or 16.5 million trees.

Reduces fuel consumption by 26 million BTUs - enough energy to provide residential power to San Francisco for an entire year.

Decreases toxic air pollutants by 3.9 billion pounds of CO2 equivalents (greenhouse gases), akin to having 355,000 fewer cars on the road.

Reduces toxic wastewater by 13 billion gallons, enough to fill almost 20,000 swimming pools.

Lowers solid waste generated by 1.6 billion pounds - equal to 56,000 fully loaded garbage trucks.

Removes 8.5 million particulates and 12.6 million nitrogen oxides from the air - on par with taking 763,000 buses and 48,000 18-wheelers off the streets.

In assessing other trends illustrated by the report, author Mary Monahan said, "People manage their assets and bills online to gain control of time, finances and safety. Bankers can meet consumer needs while providing vital environmental benefits."

"In addition, emerging features such as two-way mobile or email alerts and preset user-defined limits and prohibitions (UDLAPs) can transform today's overwhelming flood of online information into an experience that is green, safe and practical for everyone."

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Study: Online Banking's Environmental Benefits Can Drive Growth - Marketing Charts

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Online-banking consumers can do well by doing good, improving financial control while eliminating the paper bills, statements and checks that harm the environment - saving 17 million trees and avoiding 4 billion tons of greenhouse gases a year - according to a recent report from Javelin Strategy & Research.

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This pictures shows one of the features in RBC's online banking website, the finance tracker. This application tracks your spending and shows what areas you spend most in, giving the customer an idea of where they could cut spending to stay in budget.

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Video #2: The Benefits Of Online Banking

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Video #2: The Benefits Of Online Banking

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This video describes how online banking can make banking much easier for the user. By automating many processes that used to take time going through bills and other documents, online banking has simplified and improved the banking experience.

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Role of Online Banking in the development of Financial Institutions - Thomas Hannan & Justin Belzner

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Role of Online Banking in the development of Financial Institutions - Thomas Hannan & Justin Belzner

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As the world advances in technology and traditional pen and paper work becomes paperless and online, there are many industries that have to adapt. Banks are one of these industries. Online banking has become a great importance in the development of banks and other financial institutions and it is important for customer satisfaction. Online banking provides many quality of life options compared to traditional banking as well which saves time and stress.

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Picture #1: Canadian Online Banking satisfaction ratings

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Picture #1: Canadian Online Banking satisfaction ratings

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This is a simple image to show how customers feel about their banks online banking options. It can be shown from this photo that the big banks in Canada try to have online banking that satisfies their customers as more and more people do most if not all of their banking online.

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This video talks about the origin of banks and also hoe different types of banks work It also talks about what can go wrong with banks. While not completely relevant to the topic it is good to have an understanding of how banking works before talking about how Online Banking affects the development of financial institutions.