Abstract: The Internet has definitely changed the world. For worse or better, the period ahead will show. It created great opportunities for the advancement of man, but also created a suitable ground for various criminal activities. We can freely say that today we have a virtual market, virtual banks, virtual stores, virtual stock exchanges, and even virtual money. Everything that we can call "real" has its parallel, "virtual" side. Although the world has already stepped into the virtual environment of the most up-to-date advanced techniques and technologies of electronic banking, our country and most of the surrounding countries will be satisfied for many years to come with a real and medium-developed environment of electronic banking. Electronic business (e-business) is the exchange of standardized electronic messages between natural and legal persons in negotiation, contracting, purchasing, selling, paying, communicating with administration and courts and in all other business transactions, for which its application is permitted by law.