China Merchants Bank mobile terminal new entrance on mobile outlet – Sohu securities-捷安特xtc750

China Merchants Bank fun mobile terminal: a new entrance – Mobile outlet on the mobile Internet Sohu securities under an inevitable outlet in the mobile terminal, the outlet is suitable for traditional banks? Recently, the China Merchants Bank breath released full Netcom mobile phone banking version 4 and from "crossover" to "unbounded" pocket life APP, weakening the physical outlets, a prominent online mobile terminal entrance, a scene based on the mode of bank line service. As a traditional bank reform in the related stock movements of the Internet era, from the original single line of physical outlets began gradually into the online business, electronic, but the high rate of substitution of electronic business is not starting from the most appropriate scenarios and requirements for the user. At present, banks have gradually integrated their business, products and background, embedded more financial services products into the scene, embedded mobile phones. A "platform, open, scene, ecological" trend from the merchants bank mobile phone 4 visible clues, whether it is the APP language interface and practical applications are quite different from the traditional mobile phone bank, from the transformation of the mobile terminal, remittance payments and financial tools for a better combination of ability and the scene of the mobile terminal, through real-time Internet intelligent service, natural interaction as the core competence of banks in the future concept. Bank transformation, strong IT background + full scene front the author also once wrote, the future business model of commercial banks will have great changes, and innovative products will revolve around the needs of users and the scene, after the previous core design of many products is that bank profits and risks, and on this basis the bank’s service, more is to consider how to meet the more intelligent by means of how to embed more consumption, shopping, life and physical scene risk management and system process conditions. China Merchants Bank from the golden period of ten years beginning in the layout of the retail banking business, retail has accumulated rich user data, scene, product and channel system with efforts to better; so in the interest rate market impact, China Merchants Bank still maintained a good performance and growth trends, which have benefited from the retail business solid foundation plate. From the "retail banking strategy" to "service for the two transition", then to "light" banks, these concepts are in the Bank China Merchants Bank management concept, mode and channel expression. Next, China Merchants Bank will use all sorts of Internet channels and user demand chain to the two mobile terminal products into the front, this is the core of China Merchants Bank mobile strategy formulation. Of course, to achieve this full coverage, full access, you must establish their own Internet portal. For China Merchants Bank, the best channel entrance is to make good use of the existing mobile end products, including mobile banking, pocket life, WeChat bank, etc.. Especially mobile phone banking and pocket life, China Merchants Bank as the two main APP camp, on the official data, China Merchants Bank mobile phone bank to 4 mobile phone as the core to reconstruct the business, from the transaction type APP to change operating sales platform based on B2C. It is understood that, as of the end of 2015, China Merchants Bank mobile banking cumulative download nearly 30 million, active customers nearly 2000.

招商银行玩转移动端:移动风口上的新入口-搜狐证券   移动互联的下一个风口必然在移动端,这个风口适用于传统银行么?近期,招商银行一口气发布了全网通的手机银行4.0版本和从“跨界”到“无界”的掌上生活APP,弱化了物理实体网点,突出一种线上移动端入口为主,线下服务为依托的一种全场景银行模式。  作为传统银行在 相关公司股票走势 互联网时代的变革,从原有单一的线下物理网点开始逐步走入业务线上化、电子化,但是这种高替代率的电子化业务并非是从用户最为贴切的场景和需求出发的。目前,银行开始逐步整合自身的业务、产品和后台,将更多的金融服务产品嵌入场景,嵌入手机移动端。一种“平台、开放、场景、生态”的趋势从招行手机银行4.0可见端倪,该APP无论是界面语言还是实际应用都迥异于传统手机银行,从移动端的汇款、支付和理财工具转变为一种与场景化结合能力更好的,通过实时互联、智能服务、自然交互为核心能力的移动端未来银行概念。  银行转型进行时,强大IT后台+全场景前端  笔者也曾经撰文指出过,未来商业银行的经营模式将出现较大的改变,产品和创新都将围绕着用户需求和场景而展开,此前银行的很多产品核心设计点在于利润和风险,以后,在这个基础上,银行的服务更多是考虑如何通过满足风险管理和制度流程的情况下如何更多用自动智能的手段嵌入更多的消费、购物、生活和物理场景。  招行从黄金十年期开始就布局零售银行业务,在大零售方面积累了丰富的用户数据、场景、产品与渠道体系配合力度也较好;因此在利率市场化的冲击下,招行依然保持了很好的业绩表现和增长趋势,这都得益于零售业务板块的扎实基础。从“零售银行战略”到“服务为本的二次转型”,再到“轻型银行”,这些概念都是招行在银行经营理念、模式和渠道上的表述。  下一步,招行将会利用各种互联网渠道和用户需求的产业链让两大移动端产品走入前端,这才是招行移动战略的核心表述。当然,要实现这种全覆盖,全通达,就必须要建立自己的互联网入口。  对于招行而言,最佳渠道入口就是利用好现有的移动端产品,包括手机银行,掌上生活,微信银行等。特别是手机银行与掌上生活,作为招行两个主要的APP阵营,从官方发布的资料来看,招行手机银行4.0 要以手机为核心重构业务,从交易型APP向基于运营的B2C自销售平台转变。而据了解,截至2015年底,招行手机银行累计下载客户近3000万,活跃客户近2000万,月登录量近2亿次。  三大核心:开放、场景、体验  借着这次手机银行4.0版本的上线,以及一些内嵌的新功能模块,招行再次提出了自己的未来银行的核心设想:开放、场景、体验。  开放,这本是互联网生态的一个名词,因为用户和流量是跟着产品体验走的,而传统银行往往局限于相互竞争,在很多服务环节上是不那么开放和便利的。在手机银行4.0中,招行正式启用“一网通”开放用户体系。无论是否为招行的持卡客户,只要使用自己的手机号码即可轻松注册,并在手机银行中设置手势密码。从此再也不需要为记不住冗长卡号和银行卡密码而烦恼。一网通以“人”为中心重构系统设计,允许用户添加多张银行卡,包括招行一卡通、信用卡及他行银行卡,办理查询、理财等多种业务。可以说,这种开放的战略举动将为招行手机银行APP带来更多有价值的移动端客户。  场景,就是用更智能和交互,更丰富化的生活化体验,将银行的产品和金融服务融入到具体的工作和生活环境之中。招行的这个手机银行4.0版本将众多单点、零散的功能片段按照用户存(理财)贷汇的基本要求,整合成自场景。也就是说,展示在用户面前的不再是单调的以数字为表现的金融表述,而是更加生动与互动的思维表述。当然,在这种表述的后端,依托的是招行丰富、专业的资产管理和研究分析能力。场景化的最大威力是可以灵活匹配前端的用户需求表述,并且利用后端强大的研发和风控实力进行匹配。  在体验上,作为国内科技领先的全国性股份制银行,招行每每在科技上给行业带来新的亮点,比如此前的移动云PAD,招行一闪通,以及微信银行,都是用强大的科技与IT实力来给用户带来移动端、手机端以及社交圈的便捷金融体验。随着生物识别、虚拟场景、远程开户、扫码支付等技术手段的成熟,新上线的4.0版手机银行也会融入上述科技元素。如HCE云闪付,所有网点WIFI一键登录,第三方人脸识别及视频核身等。  手机=金融生活  通过开放的生态,绝妙的体验和丰富的场景来实现招行移动端APP与目前传统金融服务的对接,或许招行是在下这样的一盘大棋:再造一个网上移动端的银行,这个银行的载体是手机银行、掌上生活以及微信银行等主流的线上入口,而用户可以持手机到柜台,到网点,到ATM,以及在任何场景下实现轻松的支付、理财、信贷以及结合具体场景的金融服务体验。  而用户需求的多元化和企业资源有限之间的矛盾是这场时代变革中每个参与者走向开放、共享的驱动力。跨界合作,将成为众多优秀企业在这场浪潮中的必然选择。平台商业模式的精髓,在于打造一个完善的、成长潜能强大的“生态圈”。比如招行与滴滴出行的跨界合作以更炫酷、更科技感的支付方式联合呈现,服务更广泛的客户和更广泛的场。招行方面亦表示,希望拉动整个产业链各方通力合作,用远见、用胸怀、用行动来实现合作共赢。通过这种移动端APP的连接来打通后端的核心技术、资产管理与风险控制能力,将前端尽可能交互化、智能化、体验化,做到“客户服务,如影随形”。相关的主题文章: