一項調查顯示，他們的實力是在CRM（客戶關系管理）相關活動，包括前臺和后臺自動化和集成，客戶細分，和服務。在美國金融界的一個研究報道，這些銀行開發了以客戶為中心的策略獲得更高的利潤。貝茨，D. W.，和A. A. Gawande指出，信息技術的力量來提高質量、金融服務等領域的效率和質量，提高效率的保證。貝茨，D. W.，和A. A. Gawande在銀行服務說明信息技術已經幫助銀行收集、存儲、檢索和電子方式傳輸信息。有很多技術進步可以用信息技術來完成，那就是在計算機上寫賬單、付款和預付款。金融機構一直依賴于處理，分析和提供信息，并已完成，以滿足客戶的銀行是最早采用自動信息處理技術。技術的發展始于簿記。電子支付有了進步，銀行中已經出現了加密技術。互聯網已經改變了銀行的技術發展。
A survey has shown that their strength is in CRM (customer relationship management) related activities, including front-office and back-office automation and integration, customer segmentation, and service. A study in the U.S. banking industry also reported that those banks which develop a customer-centric strategy get higher profits.Bates, D. W., and A. A. Gawande has stated that information technology has the power to improve the quality, efficiency of banking service and other areas and the promise of quality and efficiency gains. Bates, D. W., and A. A. Gawande has stated information technology in banking service has helped the banks to collect, store, retrieve and transfer information in an electronic manner. There are the lot of technological advancement that can be done using information technology and that is writing bills and payments and advances on the computer. Financial institutions have been relying on processing, analyzing, and Providing information and that has been done to meet customers.The banks were among the earliest adopters of automated information processing technology. The technology development has started with bookkeeping. There has been the advancement of electronic payment and there has been encryption technology that has been developed in banks. The internet has been changing the technology development in banks.