Maybe only the cellular telephony succeeds in keeping the pace with the virtual world, even if in the middle long term, even this sector must give up. Indeed the net has brought radical changes in almost all services, and everybody is waiting for the boom that “certainly will happen “ in the so-called on line trade. Nevertheless without waiting for it there are already nowadays on the net services that may simplify our life and one of them is offered by the Banca di Roma and it is the Bancatel Web. The Capitoline Institute indeed offers its account holders the possibility to carry out a series of operations directly from one' s own computer. The Bank has indeed an Internet site of its own that, besides informing about its own products and services offered by the Banca di Roma Group, allows just to carry out the typical banking operations related to current accounts and securities management. The Bancatel Web service allows the Bank's customers not only to require information but also to carry out operations order kind, related to one's own relationships. In the planning phase it has been indeed deemed extremely important not to limit to the mere informative aspect one's own on line offer, but to give the possibility to the customer to operate in his own account, as if he were inside the bank. So here it is what the range of offered services encloses: as regard to the current accounts: consultation of the last cash-flows, creation of bank statements related to a selected period with the possibility to arrange the cash-flows by description, cheques situation, display of the current account applied conditions, orders of money transfer both over the Banca di Roma and other banks. As regards to the security department management it is possible to carry out giros on one's own accounts, to control the amount and the flows of the deposit, to display the list of the orders of stock exchange as well as the global situation related to deposits linked to the holder of the identification code. It is evident, since the delicacy of the available information the importance assumed by the security system. For the service Bancatel 

Web it has been realised a two level structured security system. The first one allows the customer to be admitted to all the informative kind functions (for example: relationships consultation); the second one to confirm all the operations as orders (for example: money transfer). The security first level is composed by a seven digits “access identification code “, issued by the Bank and not changeable, and by a six digits secret personal code (password) also issued by the bank but that can be changed by the customer.The second is represented by a “security card” issued by the bank where are reported a series of numbers to be employed to confirm the order operations. Any time the customer carries out an order operation, the system, after verifying data, requires a couple of values to confirm and to execute definitively the operation. For example if the couple required will be Ai-G3 the customer must digit in the pointed out fields correspondingly 34 and 19 (see table A) . Within a single operative session, the couple of values required by the system to confirm the operation will be different time by time. Furthermore the whole talk between PC and the server of the Bank is cryptographic employing the SSl protocol with 128 bits key, that is the higher available standard. So utmost security, unity and simplicity of employ have been the guidelines followed by the company to realise both the site and the service. The aim has been that to let available an instrument being the most “user friendly” possible so that not only the most experience with computer and Internet could use it, but also those for whom it's the first time they approach the on line world. To this purpose it has been inserted a demo bringing really by hand the user pointing him out the modalities how to put into act the several operations typologies, as well as useful information about the typology of services. To turn the service more fitted with the customers' expectations, there's inside the site a questionnaire that takes only a few minutes. 

Information one can wish concern both the use of Internet (for example where the connection is done from most times) and the service itself, its working and the improvement to suggest. As already mentioned the BancaTel Web service is only one of the elements in the Banca di Roma's site (www. Bancaroma.it), indeed inside there's a plurality of information regarding not only the Group. Besides the pages dedicated to services and products 

offered by the Bank, there's for example a section where is possible to get information about the localisation of the Italian and foreign branches. Also this case the consultation is extremely easy; indeed is enough to digit in the special square, for example, the town name and the system not only displays the address of the bank counters, but, selecting one of them, it shows a series of information like the working time, the telephone number etc. Inside the site there's also a section dedicated to the Euro where are deepened the elements featuring the single currency and it is explained how it influences our life. A guide surely useful , having the purpose of turning more “familiar” this new reality. On the rest the purpose the Banca di Roma Group has aimed in realising the Internet site is that to employ an instrument surely valid to be even more in contact with the current and potential customers. A real communication instrument aimed to found a dialogue, with an open window to the market, allowing the customer to look inside the Bank, and allowing the Bank to open to its customers.