Raphael Fuchs
Chief operating officer of EuropeanInvestor.com, an online financial information source for Europe's new technology markets
He has an internet bank account with Citibank and says he has never experienced any problems with it.
Asked what he considers the pluses and minuses of internet banking he says the pluses are convenience: open 24 hours a day, seven days a week; easy access to information and transactions; a great opportunity for banks to offer online value-added services. On the minus front: "Security is still an issue," he says. He reckons that for simple transactions, internet banking will become the norm, but says that for more sophisticated products such as life insurance, "people will still need human advice".
Bryan Levine
Finance director of TheStreet.co.uk, the online financial commentary service
Says he trusts his online bank Coutts & Co absolutely, as it has "fantastic security". The advantages of online banking are numerous: ease of operation, the ability to bank as and when he wants, and "less hassle". He says he appreciates the service for its ability "to give control to my financial affairs".
However, he understands people's reluctance over internet banking and says there are some banks he would not trust to look after his money online. Nevertheless, he reckons that in the future we will see the numbers of people banking online increasing, although at present some are still nervous.
Helga St Blaize
Founder and director of acequote.com, a b2b (business to business) online marketplace for buyers and sellers of IT and telecoms products
Says she nearly took out an online bank account (with Egg) but "other people's frustrations put me off". She adds: "I'm waiting for online banking to improve in the UK to the level it is already at in the US."
She believes that eventually it will be by far the easiest way of banking. "For consumers with busy lifestyles and the ever-dwindling physical presence of banks outside city centres, it will be an essential tool."She reckons web-based banking will become as commonplace as offline banking is now.
However, she says UK banks "have a long way to go" before they can actually make their customers feel secure.
Martha Lane Fox
Co-founder of lastminute.com, probably the highest-profile dot.com of them all
Does bank online but won't say which bank. She lambasts offline banking, saying it is inefficient, and prefers online banking as "you can manage your money when you want and how you want". Online banking is more "transparent" and puts consumers in the driving seat.
She thinks all the fuss about online banking problems is ridiculous and that despite a few blips the system is fundamentally good. She believes you are safer performing transactions over the net than over the phone.
However, she adds, the future of banking does not necessarily rely on the internet, although it will depend on electronic equipment such as mobile phones and the television.
Steve Frazier
Managing director of Amazon.co.uk, the online book, CD and video retailer
Very positive about internet banking - he has two UK and several US accounts - but admits: "You can't get cash out of a computer." He thinks net banking is a very good way to manage your money and, as someone who is constantly travelling, he finds it useful to be able to log on wherever he is.
He has no qualms about security; the time saved and greater convenience outweigh the "incredibly small risk". However, Mr Frazier does not visualise the banking world being taken over completely by the internet. He appreciates that an Amazon customer stuck at an airport may buy a book at a bookshop and feels there is still a place for high street banks.
