A Study on The Impact of Technology in Banking System

In this article our purpose is to emphasize the characteristic feature of banking information systems from an integrative, multidisciplinary perspective, including elements related to economic informatics and also organizational management, marketing and international affairs, applied in the context of banking institutions by identifying and reasoning their place, role, evolutions and perspectives. Banking information systems ’architectural analysis integrates multiple delimitations, bringing together different perspectives which underline the high level of complexity requested by the nature and diversity of those activities performed by banking institutions, outlining some characteristic models according to aspects regarding applications localization, connectivity type and operation environment. There have been emphasized especially banking activities having the highest complexity in information transfer, namely, banking payments and settlements activities, underlining their mechanisms, as well as the specific architecture of Romanian electronic payment system.