Modern means of payment is greatly facilitated by electronic banking (e-banking) and electronic commerce (e-commerce). E-banking allows individuals to access their bank accounts and make transactions, such as paying bills and transferring money, online or through a mobile app. E-commerce refers to buying and selling goods and services over the internet. With e-commerce, people can purchase products from the comfort of their own homes and have them delivered to their doorstep, and they can also use their electronic banking to pay for these purchases securely and conveniently. In both cases, electronic means of payment have made financial transactions faster, more efficient, and accessible to a wider range of people.