Influencing Factors Analysis and Spreading Suggestions of Online Bank in China

Although online bank is more and more important in the business, some customers still do not use it. Therefore, this paper analyzes some critical factors that may influence the use intention of online bank, including perceived usefulness, and perceived easy to use based on TAM model and perceived riskness and familiarity. Then this paper takes WELLS FARGO bank as an example which implements successfully in online bank field, and through analyzing its strengths to provide some suggestions to Chinese online banks.