A method of banking service provision whereby retail customers of a bank/ financial institution can avail offered services and facilities using home-based remote access. Such access can be established via a telephone, terminal/ personal computer, or television set as a telecommunications link to the bank’s central network.

Home banking involves conducting banking transactions from home rather than at a bank’s headquarters or branch locations. It refers to all types of remote access banking such as  mobile banking (mobile app, mobile web), online banking, off-branch banking (ATM access), etc.