Like most people, you may have heard a lot about online banking but probably haven’t tried it yourself. You still pay your bills by mail and deposit (存款) checks at your bank branch, much the way your parents did. Actually, online banking isn’t out to change your money (47) . Instead, it uses today’s computer technology to give you the choice of avoiding the time-consuming, paper-based aspects of (48) banking in order to manage your finances more quickly and (49) .
The arrival of the Internet and the popularity of personal computers presented both an opportunity and a (50) for the banking industry. For years, financial institutions have used powerful computer networks to automate millions of (51) transactions. Now that their customers are (52) to the Internet via personal computers, and banks begin to envision similar economic advantages by adapting those same internal electronic processes to home use.
Banks (53) online banking as a powerful "value-added" tool to attract and keep new (54) while helping to eliminate (消除) costly paper handling and teller (银行出纳员) interactions in an increasingly (55) banking environment.
Today, most large national banks, many regional banks and even smaller banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as "brick-to-click" banks, both to (56) them from "brick-to-mortar" banks that haven’t yet offer online banking, as well as from "virtual" (虚拟的) banks that have no physical branches or tellers whatsoever.

• A) challengeF) customers K) difficulty
• B) modernG) fixed L) daily
• C) connectedH) distinguish M) sufficiently
• D) habitsI) efficiently N) competitive
• E) peopleJ) view O) traditional