This research project investigates the impact of online transactions on the working patterns of CITI Bank and Royal Bank of Scotland. It explores how technology has revolutionized their operations, customer attraction, and overall efficiency. The study utilizes both primary and secondary research methods, including questionnaires and literature reviews, to analyze the benefits, challenges, and future implications of online transactions in the banking sector. The findings provide valuable insights for the banks to enhance their strategies and adapt to the evolving digital landscape.