Abstract: Electronic banking presents a general term used to denote a process allowing legal and physical entities to perform personal and commercial banking transactions by using electronic and telecommunication networks. It covers various jobs such as assets transfers, current account statements, bill payments, the closest ATM locating, attaining the information about financial products and services, loan applications, and some other activities performed with the use of a computer, smartphone, or some other technical devices. The subject of this research study is the analysis of the e-banking usage during COVID-19 pandemics in the Republic of Serbia and Bosnia and Herzegovina. COVID-19 pandemics influenced a great number of transactions to be done online, i.e. by using digital payment options. Furthermore, it affected banks to develop extra benefits for their users, as well as, to promote current e-architecture referring to the possibilities of e-banking use.
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