Mobile banking refers to the channel mode that banks use smart phones as the carrier and enable customers to use banking services on this terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile phones and other mobile devices to realize the connection between customers and banks, for customers to handle relevant banking services or provide financial services. Mobile banking is not only a product, but also a channel, which belongs to the category of electronic banking.