Opening mobile banking means that users open mobile banking services at bank outlets or through other channels, but it is free. This is mainly because banks hope to attract more customers and improve their satisfaction and loyalty by providing such services. At the same time, with the popularity of Internet and electronic payment, mobile banking has become an indispensable part of people's daily life, and banks also hope to meet customers' needs by providing convenient mobile banking services. Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. It is also a channel for banks to realize electronicization, and it is a brand-new service model combining currency electronicization with mobile communication services.