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At these online branches, customers will be able to view all their accounts, move money between their accounts, apply for a loan and get current information on products such as credit cards. Customers will also be able to pay their bills electronically and even email questions to the bank. Banks are creating online services for several reasons. One reason is that banks must compete for customers who will switch to another bank if they are dissatisfied with the service they receive. The convenience of online banking appeals to the kind of customer banks most want to keep. That is, people who are young, well-educated and have good incomes. Banks also want to take advantage of modern technology since they have moved into the 21st century.
客户可以在这些网上分行看到他们全部账户的信息、在自己的各个账户见转账、申请贷款以及浏览产品信息，比如信用卡。客户还可以网上支付账单，甚至是将疑问发邮件给银行。银行开始做网上业务有多个原因。其中一个就是银行需要争抢客户，如果客户对服务不满意的话就会转而用其他银行。网上银行的方便性吸引的那批客户，是银行最想保住的那批客户。他们年轻，受到过良好教育，收入高。而且既然已经是21世纪了，银行也想利用一下现代科技。