Without professional knowledge and comprehensive information about the market, ordinary people can still build their portfolio with the help of the financial services industry, which is especially assigned to intangible assets of people activities. Ennew and Waite (2013) stated that financial services broadly include banking, insurance (both life and general), stock trading, wealth management, credit cards, foreign exchange, trade finance, venture capital and others. And the function of these various services is to satisfy a variety of different requests. They normally want a formal relationship between provider and consumer, also, a certain degree of customization is typically required, which is quite limited as for a basic bank account but quite extensive as for risk accounts.