These trends are addressed on global level, in comparison with the articles discussed above that addressed these trends in accordance with different regions. Therefore, it is important to analyze these trends on global level, but also on a smaller scale, in order to observe how they could influence the e-banking services market. It is also important to take into consideration the needs expressed by customers. This is because these trends are influenced by customers' needs and by technological developments. The trends affecting e-banking services are influenced by several factors that vary in accordance with each bank and its strategy. Reference list:

1. Adapa, S. (2011). Global E-Banking Trends: Evolution, Challenges, and Opportunities. IGI Global. Retrieved August 16, 2011.

Yang, J. et al. (2005). E-Banking in Rural Area: Recent Trend and Development. Georgia College and State University. Retrieved August 16, 2011.
3. Vyver, H. (2011). Mobile and E-Banking, Managerial Trends. Retrieved August 16, 2011 from http://ebanking.homestead.com/introduction.html.

4. Pardesi, J. (2007). Emerging Trends in Information Technology. Retrieved August 16, 2011 from http://books.google.ro/books?id=RGOJihKKFRYC&pg=SA12-PA9&dq=ebanking+trends&hl=ro#v=onepage&q&f=false.

5. Zgrzywa, A. (2008). New Trends in Multimedia and Network Information Systems. IOS Press. Retrieved August 16, 2011 from http://books.google.ro/books?id=dXnkja4fyxgC&pg=PA77&dq=ebanking+trends&hl=ro#v=onepage&q&f=false.