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Most banks generally offer basic services such as transfers and bill payments. Some banks also allow customers to open up new accounts and apply for credit cards through online banking portals. Other functions may include ordering checks, putting stop payments on checks, or reporting a change of address. The findings of this study provide further insight into whether the development of telephone banking helps banks to improve their position against their competitors. The results showed a significant relationship between TB development and bank market share growth. Bahrami et al. believed that some factors, including human factors, bank facilities, technology, bank services, bank accessibility, and physical factors, can affect the bank market share. Moreover, obtaining market share is not simple for firms or for their competitors . Banks are prone to technological obsolescence, and market share is a backward-looking metric . As a result, banks should respond to economic and technolog

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