It offer virtual services with on the web order processing and customer services functions.what does it mean?

it is about click and mortar banks.

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Answer:
There's actually a term called Brick and Mortar store. This is a business term to mean an old fashioned store offline. In the old days, most stores, at least in America, were small Mom and Pop general stores made of brick and mortar.

A Click and Mortar store is an industry term to describe a store that’s both on the internet as well as offline. For example, Walmart is a Click and Mortar store.

Banks have both a physical building and an on the internet ability. Hence, they can be termed click and mortar banks.