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With the rapid development of electronic information technology and its penetration in the financial field, online banking became a convenient, fast, efficient, and low-cost advantage. This paper first reviewed the research on the factors affecting the development of online banking by domestic and foreign scholars. It then analyzed the effect of online banking services in the Sichuan area. Based on the academics' influencing factors on online banking, such as trust, service quality, system quality, use attitude, conversion cost, perceived ease of use, perceived usefulness in adopting the Technology Acceptance Model (TAM) and Planned Behavior Theory (TPB) for the analysis of the relationship between the influencing factors and customer usage intention. The survey was conducted in July of 2021 through the WeChat online survey platform, and 388 respondents were received for the sample analysis. All ten hypotheses were tested with a positive correlation except perceived usefulness and ease of use to usage attitude. The results showed that banking institutions could utilize some of the findings to manage better marketing strategies for improving Sichuan banking customers with exceptional service based on better quality in system and service.