Technology today is seeking to make life easier and more comfortable for the world today but at what cost? Internet banking is one of major upgrade in the world of finance today as it would enable buying and payment of debt very easy and free with less stress. Someone can handle over #150,000 Naira online transaction daily without needing token. But looking at this impressive improvement critically, I would say it causes people to engage in more spending than savings. For example, recharging ones phone and subscribing to Internet data is now very easy through online banking, before to bring out my raw cash to buy airtime to subscribe takes me time to make up my mind but recently with internet banking, I see myself making that expense twice in a month. What is your opinion on this?