The banking industry is one of the most complex and sensitive industries that undergoes significant changes daily. Most financial institutions and banks strive to diversify and innovate payment processes, making them more challenging and secure so that they can improve their digital skills .Understanding customer behavior has become a key factor in market success, which is why the Internet of Things (IoT) can be the best way to solve the problem of collecting and sharing data over the Internet, among different objects. Based on these concepts, the purpose of this paper is to show the current perspective of the e-banking industry with big data and the IoT, as well as the impact of big data on various financial and banking sectors, especially its impact on financial markets and banking, financial institutions, Internet credit services companies, risk analysis and so on. Since big data in the field of electronic banking and finance is a completely new concept, future research opportunities will be mentioned at the end of this study.