How to open SMS reminder in ICBC mobile banking

First, open and log in to ICBC App on your mobile phone, and then click the search bar at the top of the home page. Enter ICBC Messenger in the search field to start the search. In the search results, click ICBC Messenger. Then, a dialog box will pop up and click I want to experience. At this time, you will enter the page of customized messenger, and you need to select the card number of SMS reminder. After making your selection, click Next. After that, you will enter the "Specify Balance Change Reminder" page. In this page, the accepted mobile phone number defaults to the registered bound mobile phone number, and the receiving method should be checked in the SMS column, and the payment account number should be selected. After making your selection, click Next. Finally, we have to pay the courier service fee, 2 yuan every month.

：

Development strategy of mobile banking

In order to adapt to the rapid development of mobile payment, banks should determine the mobile payment strategy as soon as possible. In the next 3-5 years, the positioning of commercial banks in the mobile payment industry is the provider of mobile payment accounts. The medium and long-term strategy is to open up payment channels, accumulate merchant resources and gather partners to provide users with the ultimate experience.

Mobile payment account provider. Account is the natural link between banks and individual users, and it is the basis of all payment services. Mobile payment is an inevitable choice to consolidate the account foundation. In order to consolidate the account foundation, banks should fully embrace mobile payment, provide customers with mobile payment products and experiences, manage customers, touch customers, unite customers and enhance customer loyalty. Account foundation is a necessary condition to realize mobile payment. If banks want to embrace mobile payment, they must expand the account scale, consolidate the account foundation, develop inclusive finance and create value for customers.

Open the payment channel. At present, banks provide account binding, transaction channel and settlement services for mobile payment institutions, which have the advantages of account, channel and settlement in the mobile payment industry chain. Different modes of mobile payment are affected by the security, convenience and stability of bank payment channels, and the product experience is also subject to bank payment interface standards. The bank's restrictions on the transaction amount, quantity and industry classification of payment institutions will affect the business realization and business continuity of payment institutions at any time, but the application of the bank itself is not restricted. Banks open payment channels and gather resources from all sides, which is conducive to the formation of an ecological circle; Banks promote the channelling of payment institutions, which is conducive to weakening the intention of payment institutions to build another account system, thus consolidating the control position of bank accounts and enhancing the control ability of white channels; Banks use UnionPay channel or cooperate with payment institutions with account payment platforms to enjoy other channels, which is conducive to improving their own mobile payment application functions and providing inter-bank payment services for our customers.

Accumulate merchant resources. Mobile payment needs rich acceptance scenarios, and merchant resources are the basis of mobile acquiring business. It is necessary for banks to adopt independent operation, cooperative operation and merger at the same time to provide mobile payment solutions for merchants and different industries. In terms of large and medium-sized merchants and industry applications, banks should take the lead in supporting independent mobile acquiring institutions in specific industries or acquiring service institutions with merchant resources, encourage acquiring institutions to unify merchant acquiring interfaces, and provide mobile acquiring services for WeChat, Alipay and banks to prevent specific institutions from monopolizing the acceptance market. Since most of the high-end merchants are in the hands of first-line acquirers such as UnionPay Commerce and Tonglian Payment, banks should allocate resources and encourage acquirers to open merchant resources to bank mobile payment applications. For small and micro customers, due to controllable variable costs, banks need to launch fixed-rate or even free mobile acquiring services in combination with their own business positioning.