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Outside, internet banks are also called direct bank。
The oldest internet bank in the world was the secure first network bank, founded in october 1995 in atlanta, united states. The most well-functioning internet banks are everbank in the united states and first direct in the united kingdom。
Of these, everbank's loans follow a one-to-one service model whereby the customer communicates with the mortgage manager by telephone or network, and are flexible applications of “line-to-line integration”. Operations such as first direct's loans are largely done through the network, with little in-line involvement, but hsbc off-line points provide first direct users with access to cash。
