Information and communication technology enables the transfer and use of all kinds of information and represents the most acute generic technology of today. According to the World Bank's definition, information and communication technology consist of hardware, software, networks and media for collecting, storing, processing, forwarding and presenting information (voice, data, textual and image). Information and communication technology has brought such changes in the contemporary society of developed countries that it is rightly called the information society and provides the basis for creative and effective use of knowledge. This technology is a generator of change in all spheres of society. It is applied in all branches of the economy and in all areas of science, and it is the basis for successful entrepreneurship, as well as all social and state structures. In order to better integrate information technology into the banking system, communication technology has also been associated with it. By merging the set wo technologies, we come to the US term Information and Communication Technology - ICT, while in Croatia we use the same abbreviation IT. As such, it is the foundation of the economy and society of the 21st century. Significant changes in banking have occurred through the development of information and communication technology. Banking becomes "virtual". Technology as such serves as a source of advantage and a strategic resource. Users have a range of new features, such as mobile banking, which is becoming increasingly important means of exchanging information.