65% of the 30 largest banks in Russia do not have an Internet banking facility for private clients. 36% do not have this service for organisations either, despite the fact that e-banking presents a considerable saving in time, does away with queues on pay days and, on the whole, enables the client to complete over 80% of all banking operations from a remote location. However, the introduction of Internet banking requires better IT systems development and the removal of financial restrictions. For now, reports