| ON-Line | OFF-Line |
| High implement cost | Low implement cost |
| Transaction is slower | Transaction is fast |
| Need a reliable & low latency network | Less dependent on network |
| Server requires high performance and high availability | No need for high performance & high availability server |
| 7/24 support | no need for 7/24 support |
| High operating cost | Low operating cost |
| Operating cost is directly dependent on the number of users, and the number of concurrent transactions. | Operating cost is independent of the user population and the number of transactions. |