Credit institutions have always been active consumers of information technology products. However, if you remember the mechanical adding machines and the concept of the books, they were consumers technological solutions, and before the computer age. But whether banks remain passive consumers of solutions that they offer IT? We believe that modern profile IT may well become the driving force behind the development banking business. It is no secret that the global financial crisis has changed the structure of IT-budgets in the banks. In the struggle for survival, banks were forced to abandon many ambitious projects and to solve only the most urgent tasks, associated with an increase in outstanding loans, the need to reduce costs, etc. But it is obvious that modern banks can not exist without IT, and we see that many lending institutions now is focused on the creation of IT-infrastructure, which should be the foundation for future growth.

We have in mind the numerous projects to create a unified service-oriented IT-infrastructure. Both a cause and a consequence such interest can be considered the problem of constructing a unified concept of efficient banking services, including – clear definition of goals and objectives of channel banking and self-aligning specific channels to target audiences customers for effective sales of related products and services of the bank and its partners. We believe that current trends in IT, who many call the "technology Web 2.0, enable revolutionary change model of the interaction of mass customer with the bank, primarily in the remote self-service channels.