Here is a combination of Internet Banking text that sums up the controls and security of e-banking.
Control and security are critical elements in offering Internet banking services to bank customers. Internet banking systems require effective and reliable controls to maintain data integrity, ensure customer privacy, and protect the banks computer and telecommunications systems from unauthorized intrusions, misuse, or fraud. Risk management controls for Internet banking should be incorporated in the overall bank security program. A banks security program should provide “end-to-end” security controls for critical data and critical facilities. Management of the internet banking system should ensure that periodic security risk assessments are conducted to identify internal and external threats that may undermine data integrity, interfere with service, or result in the destruction of information. Threat and vulnerability assessment findings assist management with decisions regarding the types and configuration of security controls. Threats may come from criminal enterprises, hackers, or disgruntled or unethical employees. Careless or improperly trained staff or users of Internet banking systems also can pose security risks. Computer viruses may corrupt data or cause systems to fail. Controls should be implemented to maintain data integrity and to promote privacy and confidentiality. An independent source should be required to review and test the controls in place to ensure their compliance/effectiveness.
E-banking text may adjust according to the type of environment you are running (outsource/in-house). Proper controls and security will help ensure the protection of both bank and customer.