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a very fast speed as well. These have promoted the development of e-commerce based on Internet. Moreover, e-commerce have em.ployed Internet and other electronic ways to achieve information communication, online shopping, fund transfer and online payment. The lower cost and high efficiency economic activities have made e-commerce as the commercial foundation for online banking. And online banking is the core for survive and development of e-commerce.

Compare to traditional bank, it has been shown that online banking has significant advantages in lower operational cost, improve service quality, expand business scope and other aspects. These advantages of online banking is the foundation for the dramatically development as it has completed advantages over traditional banks. It has been indicated that online banking has grown very fast in the global market.

Currently, online shopping and online banking and other new lifestyles influence people’s lives gradually. Especially in recent years, online banking has developed dramatically which has provided convenient life for people and change people’s lifestyles as well. It has been shown that most banks have online banking services and continuously improve as well.

Furthermore, the development of online banking has brought online banking securities questions as well such as Phishing Attack, Pharming, and ‘man in the middle’ attack. Also, there are fund losses through internet. It has been shown that security questions have become the main barriers for developing online banking. From evidence, it has been indicated that security questions of e-commerce have caused economic loss of 7.5 billion dollars. Moreover, it has been shown that there is an increase of computer crimes in the e-commerce financial system and the amount of crime is increasing at 30% per year. For example, in Japan, there is a person who has lost 16,000 thousand Yen in his/her account. This case has reminded online banking users that it is challenge and hard to solve online banking security questions. According a survey report in 2010 among 10 economic developed cities, there are 61.67% individual users and 56.1% business users worry about internet security. It means that most internet users care about internet security most.

5.0 Conclusion and Recommendation总结

From factor analysis for perceived risk, it has been shown that perceived risk for online banking make up by service risk, finance risk, privacy risk and manipulation risk. The time risk and psychology risk do not have much influence on the perceived risk of online banking service. From the empirical study, it has been indicated that the correlate relationship between finance risk and privacy risk are more significant.

Moreover, by using correlation analysis, the factors for online banking service have been analyzed. It has been shown from the result that there is negative correlation relationship between perceived use, perceived ease of use and perceived risk. And there is positive correlation relationship between perceived security and perceived risk.

Thirdly, it has been shown that there is significant influence of sexuality for perceived risk of online banking users. The level of perceived risk of male users are lower than female users, especially in finance risk and privacy risk. The m