请帮我翻译一下，下面这段话，论文要用的，我的翻译不怎么通顺，谢谢！！！
摘 要
手机银行是将移动通信运营商的无线通信网络和银行金融系统相连，使手机成为随时、随地、随身的个人移动金融服务终端。作为一种结合了货币电子化与移动通信的崭新服务，手机银行不仅可以使人们在任何时间、任何地点处理多种金融业务，也极大地丰富了银行服务的内涵，使银行能以便利、高效而又较为安全的方式为客户提供传统和创新的服务，随着3G技术的不断普及，手机上网愈加方便快捷以后，手机银行也将迎来发展的春天。文章简述了了手机银行的发展现状和发展中存在的问题，并提出了相应的几点建议。
关键词：手机银行；支付手段；电子商务
The Mobile Banking Service refers to the service that links the wireless communication network of mobile operators with the banking and the financial systems, which has enabled a mobile phone act as a terminal of personal mobile financial services.
作为一种结合了货币电子化与移动通信的崭新服务，手机银行不仅可以使人们在任何时间、任何地点处理多种金融业务，也极大地丰富了银行服务的内涵，使银行能以便利、高效而又较为安全的方式为客户提供传统和创新的服务。
Having combined electronic money system and mobile communication system, Mobile Bank offers the convenience of various types of finanal dealing anytime and anywhere, enriching the content of banking services with both traditional and innovative services in a convenience, efficient and relative secure way.
随着3G技术的不断普及，手机上网愈加方便快捷以后，手机银行也将迎来发展的春天。
With the popularization of 3rd Generation technology, which will provide even more fast connection and easy access to the Internet, the development of mobile banking would soon enjoy its boom.
文章简述了了手机银行的发展现状和发展中存在的问题，并提出了相应的几点建议。
This text gives brief description of the current situation and existing problems, on the basis of which, the author put forward some proposals for a better future.
关键词：手机银行；支付手段；电子商务
Keywords. Mobile Banking , medium of payment , electronic commerce
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