Electronic banking¹ has radically² changed the way customers can do banking. Before e-banking, checking an account balance required the customer to either go to customer service or the teller³. Now there are many methods available? ATMs have become an essential part of our lives, because they allow us to check balances, deposit, withdraw and transfer money. Telephone banking allows customers to perform electronic funds transfer transactions (also known as EFT), check balances and pay bills? Mobile banking has nearly the same functionality as telephone banking, except that information is relayed by Short Message Service or SMS, however, paying bills by mobile banking isn't practical. Internet banking on the other hand gives access to a broader range of services. These services include changing account details like address, and password, EFT, arranging bill payments or direct debits⁴, and performing account inquiries⁵.
　　电子银行正迅速改变着客户操作银行业务的方式。在电子银行发明以前，客户需要查询账户余额必须联系银行客服部门或出纳。现在有了更多的方式。自动柜员机由于能够方便地实现余额查询、存取款和转账业务，已成为我们生活中不可或缺的一部分。电话银行使客户能够进行电子转账(也称为“EFT”)、查询余额和支付账单。移动银行和电话银行的功能基本一致，只是通讯方式是通过短消息服务来传递的，使用移动银行不能实现支付账单。而另一方面，网络银行给予人们更广泛的服务，包括变更账户细节如地址、密码等，电子转账、账单支付或直接扣付，以及进行各种账户查询等等。

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