China Construction Bank Corporation(601939) dragon payment app recently announced that it will go offline and shut down the service. Since this year, many banks have slimmed down or integrated their apps.
Meanwhile, a number of banks have recently upgraded mobile banking app, focusing on strengthening wealth management services. Experts believe that as the entrance for banks to touch customers online, one of the key points of mobile banking operation in the future is to improve wealth management ability.
dragon payment app will be taken off the shelf
On December 24, China Construction Bank Corporation(601939) longpay app released the announcement on the migration of longpay app (personal version), saying that longpay app will be offline from major app stores on December 27, and its functions will not be updated. In the future, various services will be gradually shut down, and longpay app will not be able to register, log in and use. All functions, interests and scenarios of dragon payment can continue to be used through the Dragon payment module in China China Construction Bank Corporation(601939) app and CCB life app.
Dragon payment app offline is not an example. Since this year, many banks have slimmed down or integrated their apps. For example, Postal Savings Bank Of China Co.Ltd(601658) announced in October that the postal savings life app registration and payment services will be stopped from November 17; From December 22, all services of the postal savings life app will be stopped and the download entrance of the postal savings life app will be closed. The app is a pan life service platform built by Postal Savings Bank Of China Co.Ltd(601658) and was officially launched in September 2020.
Industrial Bank Co.Ltd(601166) in August, it was announced that the app service of "industrial enterprise bank" would be terminated on October 11, 2021, and the relevant functions had been migrated to the "industrial housekeeper" app.
Dong ximiao, chief researcher of qinnong bank and chief researcher of Zhaolian finance, said that under the "anxiety" of digital transformation, some banks have developed many apps. This easily leads to the separation of data and information in the bank, and it is difficult for users to choose. Moreover, after some apps are deployed online, there is little follow-up for subsequent maintenance and operation. "The number of registered users of mobile banking is very important, but if the activity of registered users is very low, the number of registered users is of little significance, and it also takes up a lot of resources."
A banking analyst said that the bank's integration of mobile app and mobile applications with different functions can provide customers with one-stop financial services, help the bank integrate background service resources and strive to improve service quality and customer consumption experience. At the same time, it also helps to reduce consumers' choice "anxiety".
mobile banking pays more attention to wealth management
While some bank apps have been downsized and integrated, many mobile banking apps have recently been updated to optimize and add a number of functions, including focusing on strengthening wealth management services.
China Everbright Bank Company Limited Co.Ltd(601818) recently released mobile banking 9.0 has newly launched decision support services such as investment list and investment analysis to improve the service ability of asset allocation. At the same time, the new version of mobile banking further enriches customized mobile wealth management services, and introduces a new private bank special edition based on the standard edition, wealth edition and Jane Eyre edition, including a full range of private bank shelf displays, supporting online real-time interaction of private bank financial managers.
China Merchants Bank Co.Ltd(600036) previously released app10 Version 0 launched new modules such as "Zhaocai No." wealth open platform and wealth investment and research platform. "Zhaocai No." aims to open various operation capabilities based on China Merchants Bank Co.Ltd(600036) app to high-quality asset management cooperation institutions. Different institutions can flexibly configure around their own business needs. C-end customers can also speak in the "fund discussion area" to interact with China Merchants Bank and asset management institutions.
Many insiders believe that the current retail transformation is still the general trend of the banking industry, and wealth management is the top priority. As the entrance of online banking customers, the importance of mobile banking app is self-evident.
China Everbright Bank Company Limited Co.Ltd(601818) financial market analyst Zhou Maohua believes that one of the priorities of mobile banking operation in the future is to improve wealth management ability. With the growth of residents' wealth and the upgrading of consumption, people's concept of financial investment is changing. Bank app should think about how to create more value for customers and improve the income of bank intermediary business. In addition, we should also improve the ability of service innovation, provide customers with rich financial products and scenes, and meet diversified and personalized experience.
(China Securities Journal)
