【正确答案】 1、正确答案：The challenge that the bank industry is confronted with lies in how to get customers willing to learn to use and trust this new-style service channel. The majority of banks are capable of providing completely reliable and multiple functional online banking service, free of charge or little charge. With an increasing number of successful online banking businesses and more logins of online customers, multiple functional online banking service could probably become as widespread as ATM machine. Advantages of online banking are abundant. Unlike the banks in the street, online banks never close doors. Instead, they are open 24 hours a day, seven days a week. Only a click of the mouse can help you to complete the deal. Once there is something wrong with your finance and you are out of the state or out of the country, you may log in to the website of the bank to take care of it at once. Online banking website can handle and confirm the deal as fast as or even faster than the ATM. Many online banking webs also offer such advanced tools as account aggregation, stock quotes and portfolio management programs to help you to manage your financing more effectively.