This document discusses the potential of online banking from a media perspective for small and medium enterprises (SMEs) and private clients. It outlines how online banking can improve banks' images by increasing customer satisfaction compared to traditional in-person services. The challenges for leading banks are to transform their online banking into highly interactive personal websites and portals that offer more services beyond basic transactions. This would attract and retain customers by helping them better manage their personal finances and businesses through automated tools and integration with other financial institutions and users.