With the continuous enhancement of computer processing capacity and the continuous innovation of communication technology, the domestic banking industry has gradually broken through the traditional development model and achieved major breakthroughs in payment tools, payment methods, banking business and banking services. In recent years, "self-service banking", "telephone banking", "network banking", "mobile banking" and "information banking" have appeared one after another in various places, expanding the inherent connotation of banks. In the eyes of modern urbanites, banks are no longer skyscrapers or magnificent halls, but virtual banks such as "home bank" and "office bank" have been added. Banking service has broken through the counter mode of "standing+smiling" in the past and begun to give new meaning. The insiders believe that with the development of economy and the continuous updating of people's financial management concepts, traditional banks with single functions and backward service methods are increasingly impacted. Virtual banks that integrate modern computer and telecommunications technologies and provide customers with comprehensive banking information consultation and banking business support through telephone, fax or Internet will stride towards us.

Self-service banking makes you feel at home. In the service mode of self-service banking, as customers, they don't need face-to-face contact with bank staff, but choose their own favorite way to handle various banking services through the automatic guidance of advanced machines and equipment such as ATM. The emergence of this service has broken the time limit of the bank's business premises, and you can handle banking business at any time as needed. At the end of the century and the beginning of the Millennium, an upsurge of "self-service banking" rose quietly in various places. Because of its first-class facilities, first-class environment and 24-hour business, all customers feel comfortable and comfortable.

Telephone banking makes you feel efficient and convenient. Telephone banking is a service mode provided to customers on the basis of the original business processing system, through advanced computer, communication, voice processing technology and telephone signal digitization technology, and with the help of public telephone network. In this mode, as a customer, you can quickly complete transactions and services such as account inquiry, account payment stop, transfer, information consultation, password modification, and stock consignment trading. Just dial a phone and let customers feel the efficiency and convenience brought by advanced technology and modern banks. Recently, Zhejiang Branch of ICBC launched "95588" telephone banking, which attracted many "working people" who didn't have time to go to bank outlets to handle business.

Internet banking, a bank that transcends time and space restrictions. Online banking, also known as online banking and online banking, refers to banks that use Internet network technology to run on the Internet. In the new century, faced with the rapid development of e-commerce and the potential customers gathered on the Internet, the banking industry has followed the trend and launched a brand-new service model of "online banking", so that customers can manage their assets safely and conveniently, and enjoy banking services at home, office or on the road without being limited by the way and time of surfing the Internet. Nowadays, online banking has become one of the hot topics that the public, especially white-collar workers, are most concerned about.

Mobile banking, the bank that will always accompany you. "Mobile Banking", also known as "Mobile Banking", is a new service for GSM mobile phone users, which connects customers' mobile phones with banks through mobile communication networks and realizes the service system of directly completing various banking services through the mobile phone interface. Mobile phones have the characteristics of light weight, multiple functions and convenient carrying. Compared with telephone banking and online banking, mobile banking has shown convenient and efficient advantages in personal finance. It can be said that if you have a fully functional "mobile banking", it means that you put modern commercial banks in your pocket and take the initiative in personal financial management in your own hands.

Information base, personal account fund "tracker". Recently, another new type of virtual bank-information bank was born in Shanghai. Launched by China Merchants Bank Shanghai Branch and China Unicom Guomai Communication Co., Ltd., it provides pager users with prompt service of bank account changes in time through the networking operation of banks and communication companies, and is known as "personal account fund tracker". With the launch of this service, users of China Merchants Bank Shanghai Branch and China Unicom Guomai Communication Co., Ltd. can know the changes of their account funds at any time without waiting to check the statement, so as to gain more benefits in the strong cooperation of bank communication.