Technological advances are certainly a very important factor of change that can fundamentally alter the current distribution techniques of financial services. In fact, information technologies have made it possible for banks to be within the "virtual bank", a new and separate from the traditional. The introduction of new distribution channels and, in particular the global network known as the "Internet" is just one of many changes taking place in the Italian banking. This theme could be seen as the main theme of this work, all aimed at trying to describe and interpret how the spread of online financial services has had on how to use and delivery of the same, both for customers and for the Institutes Italian credit. "