This paper discusses all the capital flows through the Internet, such as online commodity transactions, online financial transactions, online payment of public service fees (payment of fines) and so on. Examples of this are widespread in society.

Next, we can explain the emergence and development of online banking, the security issues that everyone is most concerned about now and so on.

The future of online banking: not only its functions can be realized in front of personal computers, but also businesses such as mobile wallets can allow customers to complete transactions anytime and anywhere. Future online banking will be more convenient, faster, safer and more efficient.