Abstract:

The aim of article is to keep attention to the relevant phenomenon of virtualization financial services at worldwide level. The virtualization phenomenon of financial services is analyzed in terms of location, time, person, topic or object of bank transactions, accentuating the consequences on the social security by hidden the good intentions of participants. The foresights of MCIT Order no. 389 of 27 June 2007 on the procedure for approval of payment instruments with remote access are discussed in this article. Outsourcing phenomenon is mentioned and some regulations related to it.Finally, the elimination of false financial instruments is discussed in the context of acctual global financial crisis.