If you connect to the site of your bank, it works a lot of cryptographic things. Most importantly, you use the bank’s public key to send part of the information to the bank, because on each SSL (https) connection server, send the client its public key, packed as a certificate.
The use of certificate and worldwide PKI is important. You want to be sure that if you give the bank your bank pin, then on the other side is really your bank, not the other person. This will be solved because each computer has a small number of public keys of well-known organizations (for example, VeriSign), and the bank sends you not only its server public key, but also a certificate. certificate is a message signed by VeriSign, for example: "this public key is valid from XYZ bank". Therefore, since you have the VeriSign public key, you can first verify that the server’s server certificate is correct. Therefore, you can be sure that you are really communicating with your bank .
Oleg
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