The bank statements of online merchants are regarded as bank statements.

MYBank is a private bank in China. MYbank’s flow refers to the records of fund transactions carried out by customers in MYBank accounts, as well as account balances and other information. In essence, the transaction records of online merchant banks are not much different from those of traditional banks. They both record various financial transaction records carried out by customers in their bank accounts, so they are considered bank transactions.

Bank flow refers to the transaction records of deposits, withdrawals, and consumption made by cardholders using bank cards.