Computer and banking literacy is weak in IT literacy. Very few people in Nepal are computer scientists and very little people understand even educated people in banking or banking processes.
Infrastructure Growth: While banks reach with their services in rural area ISP or NTC services is not available there for internet services and vice versa.
In Nepal, Internet Banking is just starting to grow.
Risk management: Yet no big fraud has yet been detected in Internet Banking. The cause may be an incomprehension of web technologies. But there needs to be precaution.
Banks should have a robust risk management framework that assesses, controls risk exposure and tracks risks to minimize all risks associated for all e-banking firms.
Security: Transaction protection, contract authentication, customer identification etc. are major technical and system issues that affect the e-bank. Customers are afraid from online assault. Various online attacks are also available.
