In the beginning of the 1990s, there was a belief that Internet would spread tremendously; and as a result the banking sector would also change. Experts predicted a prosperous future for it, and declared that electronic channels would replace bank offices. In this work I am revealing both the inducements and the disincentives of e-banking to find out why it did not spread as it was expected. I analyze the factors that influence this process: the economical environment (EU, The Government and banks), the social environment (people's attitude towards the new technology, security concerns) and other factors as well (education). Did the banks act correctly? Will time alone change people's attitude towards the new technology and would they use e-banking services more than today? What should banks do to accelerate the accustoming process? - These are the questions I try to answer.