With the rapid development of digital finance and the deepening of financial globalization, commercial banks are facing unprecedented opportunities and challenges. Mobile banking, as a core component of digital banking, has gradually replaced traditional physical branches as the main channel for customers to handle banking businesses. It enables customers to complete money transfer, bill payment, financial product subscription, and credit inquiry anytime and anywhere through mobile devices, which greatly improves the efficiency of financial services and reduces the operational costs of banks. However, the popularization of mobile banking also brings potential risks, such as information security threats and operational risks caused by technical failures. To address these risks, banks have strengthened the construction of information security systems, adopted advanced encryption technologies, and established perfect risk early warning mechanisms. In addition, for elderly customers who are not familiar with digital technologies, many banks have launched personalized guidance services and simplified the operation interface of mobile banking apps to narrow the digital divide.