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A digital bank represents a virtual process that includes online banking, mobile banking, and beyond. As an end-to-end platform, digital banking must encompass the front end that consumers see, the back end that bankers see through their servers and admin control panels, and the middleware that connects these nodes.
Most of Chrome's source code comes from Google's free and open-source software project Chromium, but Chrome is licensed as proprietary freeware. [12] WebKit was the original rendering engine , but Google eventually forked it to create the Blink engine; [ 15 ] all Chrome variants except iOS used Blink as of 2017.
Online banking, also known as internet banking, virtual banking, web banking or home banking, is a system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website or mobile app. Since the early 2000s this has become the most common way that customers ...
The handling of media files (e.g. image files) varies across language editions. Some language editions, such as the English Wikipedia, include non-free image files under fair use doctrine, [W 99] while the others have opted not to, in part because of the lack of fair use doctrines in their home countries (e.g. in Japanese copyright law).
These banks could issue bank notes against specie (gold and silver coins) and the states regulated the reserve requirements, interest rates for loans and deposits, the necessary capital ratio etc. Free banking spread rapidly to other states, and from 1840 to 1863 all banking business was done by state-chartered institutions. [4]
Free banking or currency boards were common at the time. [citation needed] Problems with collapses of banks during downturns, however, led to wider support for central banks in those nations which did not as yet possess them, for example in Australia.
The concept was first explored in 2003 as part of the open innovation movement that was promoted by Henry Chesbrough. [4] [5] The advent of internet banking and development of online technology in the early 2000s led to interest in access to the data, which was first seen in account aggregation attempts by technology companies.
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