With the development of computer science and technology, people live become more and more convenience. The bank's account security and investment system have also become more and more perfect due to the technology. In our article, we will focus on analyzing debt default system, anti-money laundering system, and investment prediction system. In order to know about the structure and operation of the banking system deeply. After studying and research, we understood the law and trend of global economic development in recent years, including the economic turning down because of COVID-19 from 2021, and the recovery from 2023. Besides, we learned several program systems such as ARIMA, AML and KYC solutions and so on, which can be also used in other business fields. In summary, the meaning of writing this article is not only develop our interests, but also learn more about the technology that touches out lives, So, it will be easier for us to manage our finance and understand the operation rule of society in future.