Business management requirements are not clear. Judging from the existing management system, only the Measures for the Administration of Electronic Banking and the Guidelines for the Safety Assessment of Electronic Banking have made general requirements for the handling of mobile banking, but the specific business management requirements for mobile banking are not clear, such as trading rules, responsibilities and disciplines of all parties involved, which are generally formulated by banking institutions themselves, which is conducive to orderly competition in the industry and to protecting the legitimate rights and interests of customers.

The technical realization mode is not yet mature. At present, the technical realization methods of mobile banking are not mature in hardware facilities, software configuration, security control measures and so on. For example, the client mode needs to be developed for a specific mobile phone terminal, and the related technology is still in the process of research and development, which is not perfect. In addition, there is no uniform technical standard for mobile payment. When banks promote business products and business pilots, the communication networks, infrastructure and technical agreements are different, which leads to the incompatibility of mobile banking payment services between banks, resulting in a waste of resources and slowing down the development of mobile payment business.

There are certain risks. At present, the main risks of mobile banking business are: First, information security risks. Mobile banking information and customer information may be leaked and tampered with due to spyware attacks, interception of network transmission information, and bad professional ethics of internal staff of mobile communication operators and banking institutions. The second is the business risk. If the customer loses due to unfamiliar operation or misoperation, it will cause legal risks. The third is the risk of system operation. Mobile banking business processing system often needs to run 7*24 hours, which puts forward higher requirements for the continuity and stability of the system. Once the banking institution's business processing system fails and there is no corresponding emergency measures, it may affect the timely and accurate processing of business instructions and fund payment.