Online banking is done at a bank website that customers such as you access proactively to take care of their personal finances. These online banking portals were developed to respond to a customer need, to customers who wanted to use electronic means to do their personal finances.
Now it is also a means for financial institutions to get into contact with their customers, because very often that customer will not go into the branch or call the bank. So it is also a way to have a dialogue with the customer.
I think you made reference to an opportunity the bank has to send messages to their customers. Some of our online banking websites have these windows where they send you information. Very often they will do so identifying a need. Sometimes they will use these types of messages to respond to specific questions, depending on what's available on the website.
But it is a proactive step taken by the customer to enter the website, and for the bank to respond to a customer need. Therefore—