Published Paper Details:

Online banking, also known as online banking, online banking, refers to the use of the network banks t technology, through the network to provide customers open an account, an account, check reconciliation, line transfer, interbank transfer, credit, online securities, investment banking and other traditional services project, so that customers can stay at home will be able to safely and easily manage demand and term deposits, checks, credit cards and personal investments. Can be said that online banking is on the network, a virtual bank counter. Online banking is also known as "3A bank" because it is not time and space constraints, it is possible at any time, any place, in any manner to provide customers with financial services. Internet banking has four major advantages,namely a:a comprehensive paperless trading.Previously used most of electronic instruments and documents, checks, money orders, and electronic receipts Electronic replaced ; existing bills are electronic money , that e-cash, e-wallet , electronic credit card is replaced ; original paper documents through the mail becomes data communication network for transmission. 2 : The service convenient, fast , efficient and reliable. Through online banking , users can enjoy convenient, fast , efficient and reliable full service . Whenever necessary to use online banking services , free time, geographical constraints, namely, the achievement 3A services. 3: The operating cost. As online banking information processing using virtual reality technology, network banks can ensure that the original does not reduce the volume of business under the premise of reducing the number of operating points. 4:Easy to use. Internet E-mail communication is also very flexible and convenient , easy for customers between banks and bank internal communication . Compared with the traditional banking , online banking has many advantages . First, banks greatly reduce operating costs , improve bank profitability. Offering online banking services, mainly the use of public network resources, without setting a branch or physical outlets , reducing personnel costs and improve the efficiency of the banking back-office systems . Second, without the constraints of time , and expand customer base. Internet banking as an emerging 21st century financial sector , because of its low cost and broad and prospects , has increasingly gained attention. Internet banking as an important part of modern banking has become an essential requirement for the development of banking operations . Our online banking has developed very quickly becoming individuals and businesses access to financial services is an important channel . This article describes the characteristics of online banking , analyzes the impact of the factors of online banking customers , how to allow customers to continue to use online banking, online banking that the development of the existing problems and propose solutions to problems proposed on the basis of China's prospects online banking prospects.