The Research On The Development Of Electric Banking Of A In B

With the development and gradual application of advanced science and technology such as artificial intelligence and Internet,commercial banks tend to provide more financial services through the Internet.The application of Internet technology has brought about a new financial model,and the requirements of customers for services have also changed.The combination of the two has made commercial banks adapt to the requirements of the new era,innovate their products and services,and provided ways and means worth learning.Under the background of the rapid development of network economy and electronic commerce,electronic banking has become the focus of attention and development of banks all over the world.It has become a new profit growth point of intermediary business of banks,and its development prospects are generally promising.Competition among modern commercial banks is becoming more and more fierce.As a new type of business,electronic banking business is positively distributed among domestic banks.Therefore,all the banks in the world have promoted electronic banking to the height of intra-bank development strategic planning and attached great importance to the construction and development of their business.By studying the development background and prospects of e-banking,this paper compares and analyses the characteristics and development plans of domestic and foreign banks’ e-banking business.Combining with the background and product status of the development of e-banking business of Bank A and B Branch,this paper analyses the problems existing in the development process of B Branch and the advantages of its development environment.Through the investigation and analysis,it is found that the e-banking of Bank A of B ranch is better than that of The main problems in the development of industry business are insufficient usage,low transaction amount,single use of user functions,high risk on the Internet and low rate of moving users.Accordingly,four suggestions are put forward: attaching importance to innovating electronic banking products and services,strengthening the training of professionals,strengthening risk prevention and enhancing product marketing experience.