The development of network information technology and the popularization of e-commerce have a strong impact on the traditional business philosophy and operation methods of enterprises. Online Banking with Internet technology as the core has also undergone tremendous changes in banking. "Online banking" brings unprecedented business opportunities to financial enterprises and brings tangible convenience to multiple users. As a brand new bank customer service delivery channel, customers do not have to go to the bank to handle their own business, as long as they can access the Internet, whether at home, in the office, or on the road, you can manage your assets securely and conveniently 24 hours a day, or handle inquiries, transfers, payments, and other banking services. The superiority of "online banking" is indeed obvious. But in the face of this emerging thing, people have the biggest question: Is "online banking" secure? People have such concerns. The connection between the banking business network and the Internet makes online banking easy to become targets of illegal intrusions and malicious attacks. In addition, the current network order is chaotic and hacker attacks are emerging one after another, it also has a certain impact on people's psychology.
Generally, the security concerns of online banking are as follows:
1. illegal intrusion into the bank transaction system.
2. Information is stolen or tampered with during network transmission.
3. Identity of both parties; account theft by others.
From the perspective of banks, carrying out online banking services will bear more risks than customers. Therefore, China Merchants Bank, China Construction Bank, and China Bank that have activated the "online banking" business have established a strict security system, this includes security policies, security management systems and processes, security technical measures, business security measures, internal security monitoring, and security auditing to ensure the secure operation of "online banking.