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As we can see the 21st century is of globalization in each and every field and even banking sector is not remaining untouched by the influence of the globalization. This globalization is due to distributed systems in use in banking sectors. The distributed system creates many problems of transaction management, join query processing and update propagation etc. In this review paper we are present with an idea to use efficient data structure such as R trees. Hence we are suggesting use of robust data structure such as R trees in application such as banking to overcome the problems which are obstacles in smooth banking transactions.