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 （1）of digital banking, has gradually replaced traditional physical branches as the main（2）for customers to handle banking businesses. It enables customers to complete money transfer, bill payment, financial product （3）and credit inquiry anytime and anywhere through mobile devices, which greatly improves the （4）of financial services and reduces the operational （5）of banks. However, the popularization of mobile banking also brings potential （6）, such as information security threats and operational risks caused by technical （7）. To （8）these risks, banks have strengthened the construction of information security systems, adopted advanced encryption （9）, and established perfect risk early warning （10）. 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.