The IV Industrial Revolution is a revolution of change, knowledge, information technology, robotics. The first step forward in the future is the active participation in those changes and the acceptance of new information technologies. Speaking of companies, general impression is that banks are the best prepared ones when it comes to these types of changes. With the emergence of the Internet, banks have found a way to attract new customers and have offered their services through internet banking. In addition to internet banking, the banks also used the presence and popularity of smartphones, thusly introducing mobile banking. This paper will try to explain the phenomena of internet and mobile banking and will provide the insight into differences between the traditional and the modern banking systems. In addition, the advantages and disadvantages of the new banking system will be reviewed with the answer being sought to the question if the fears of regular bank customers in Bosnia and Herzegovina with respect to the internet banking and mobile banking are justified.

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