The financial sector, as the other areas of law, has indisputably undergone major changes due to the fast and momentous development of new technologies over the past decades. The banking and financial business is going through a serious dematerialization, particularly with the growing reliance on the Internet, which has become the new marketing channel of financial services. As a medium of this marketing, websites have made possible the conclusion of on-line contracts as well as the resolution of the disputes that may arise, thanks to the intervention of French and European lawmakers. However, the framework governing the offer of on-line financial services is completely new. This new offer has managed to gain and strengthen the consumers' confidence, thanks to an efficient security system well adjusted to the electronic context that secures the online payment. A new trend is taking shape with the huge increase of mobile phones inasmuch as the protection of personal digital data is ensured.
