Abstract
Abstract The rapid progress in information systems technology is considered to be the main factor of changing the work patterns in financial institutions especially the banking ones. So, the increasing demand of these institutions is usually characterized with a high dependency, rapidness and multi functional information systems that may encourage the technology providers to redesign various techniques suitable for the practical requirements. The importance of this research came to explain the illustration of the electronic banking concept. The characteristics, requirements and the risks of using these banks and the directions of the universal banks in the field of electronic banking were demonstrated. The current paper is targeted to study the reasons of electronic non - spread works especially that belongs to the electronic banking in growing countries and the methods of treatment whereas the problem of the study is in the expanding of the informatics gap between the industrial developed countries and growing the countries. A hypothesis has been delineated in this paper for the acquaintance of the global banks trends in the electronic banking work contributes actively in reducing the informatics gap between the developing countries and the industrial developed countries. The paper depends on the descriptive method the books and researches belong to the subject. The paper has conclusions and recommendations. .
