Why does the Bank of Communications platform prompt someone to know that you have copied your bank card number? Do you want to transfer money?

When it comes to transfers in daily life, the first thing everyone will ask is "How to transfer? Alipay or WeChat?" Because you don't need to know the other party's card number, you can just scan the code or add a friend to transfer money. In the impression, it is better than bank transfer. Much more convenient.

But did you know that banks are constantly improving the transfer experience. For example, most banks have launched a mobile phone number transfer function. You don’t need to know the other party’s card number. You can transfer money to the other party through the other party’s mobile phone number, right? What is also very convenient and important is that the bank does not charge cash withdrawal fees.

So what novel transfer functions and experiences do banks currently have? Let’s take a look at the complete process!

Transfer entrance

Since transfer is the most basic function of a bank and one of the most frequently used functions by users, bank APPs place the transfer entrance in a large icon at the top for user convenience. . ICBC is an exception here. The transfer entrance is not placed at the top, but is displayed with a small icon at the bottom. In terms of experience, the difference is not big.

In addition to the top icon, transfers can now be accessed via the top search box or voice search. Overall, it is easy for users to find the transfer entrance and the experience is good.

Bank card transfer

After so many years of optimization, the process and interface of bank card transfer have little difference between the transfer pages of various banks. The top is the payee’s account information, and the middle is the transfer The amount and payment account number, below are the transfer instructions and safety tips. Although the overall difference is not big, the details can be seen, such as:

·Copying a card number. Most banks will prompt whether to transfer money. After the user operates, the copied card number can be automatically filled in, simplifying the user's operation. ;

·The card number of the payee of some bank APPs can be identified and entered by copying or taking a photo to avoid manual input errors;

·In the remark function, Bank of Communications, Shanghai Pudong Development Bank and Industrial Bank provide With short tags, users can quickly select tags to enter notes, and the experience is better;

·For amounts exceeding 10,000 digits, Bank of Communications will prompt users with Chinese characters for the counting unit of the current amount to avoid users entering errors due to too many numbers. ;

·Xingye has designed a unique prompting method for the input amount. It converts the entered numbers into uppercase numbers in real time for prompting. However, the practical value is not high. It is not as good as the Bank of Communications which only prompts the number of digits. ;

These are all designs that can make users’ bank card number transfer experience better and are worth learning.

Mobile phone number transfer

Many users may not know that banks now also support mobile phone number transfers. All the banks evaluated in this review support this function, but each has a slightly different implementation. Different, there are also differences in experience. When both parties have activated the function, the process is smooth and the experience is good. Enter the payee's mobile phone number and transfer amount. After confirming the password, the funds can be transferred to the receiving bank card bound to the other party's mobile phone number. However, in actual use, there may be situations where the other party has not enabled this function. At this time, user guidance needs to be done to reflect the difference and importance of the experience.

In this area, Bank of Communications, China Merchants Bank, and Industrial and Commercial Bank of China currently have the best experience. If the other party has not opened it, the bank will prompt the payee through SMS to reply with the bank card number to complete the payment before X o'clock the next day. Otherwise, the transfer will fail and the funds will be returned to the remitter's account.

The usability of this function in the remaining banks is relatively poor. If the payee has not activated this function, he cannot use his mobile phone number to transfer money, and no link is provided to guide or invite the other party to use this function. Since there are still relatively few users who know about this function, for these banks, this function is just a decoration. They can consider optimization, add activation guidance, and improve function availability.

Schedule transfer

Schedule transfer, as the name suggests, is to make an appointment to complete the transfer at a certain time to avoid forgetting. This function is suitable for periodic transfers, such as loan repayment, living expenses, rent payment, etc. More practical. Currently, most banks provide this function, but Industrial and Commercial Bank of China and Industrial Bank do not yet provide it.

Since it is a cyclical transfer, the diversity of transfer cycles is more important to users. In this regard, Bank of Ningbo has the most diverse transfer cycles (including only once/once a week/every Once a month/once every two months/once every quarter/once a year);

In terms of detailed experience, the scheduled transfer template can simplify user operations, and the remark name can help users when they have multiple scheduled transfers. Quickly identify the purpose of each scheduled transfer.

There is another small detail. For some reason, Shanghai Pudong Development Bank and China Construction Bank do not need to choose an account opening outlet when making a normal transfer, but they must choose an outlet when making an appointment to transfer. This is a negative point for the user experience because it is difficult for users. Remember your account opening outlet.

Generally speaking, Bank of Communications, Bank of Ningbo, and China Merchants Bank are superior in terms of functional comprehensiveness and overall experience.

Transfer result page

After the transfer operation is completed, the user transfer is completed. At this time, what the user needs is a result feedback. From this point of view, all banks will give the user a Results page.

The elements on the result page mainly include: this transfer information, notify the payee, continue the transfer, view the transfer record, and complete (return to the homepage). How these five elements are laid out reflects the difference in experience. From the perspective of user needs, after completing the transfer, the user must first confirm the transfer information, notify the recipient of the transfer information after the information is correct, and finally complete the transfer. As for continuing transfers and viewing transfer records, users' needs on this page are not that high most of the time, so they can be displayed less prominently.

Overall, China Merchants Bank has the best layout. The middle area is the transfer information, and the two buttons "Complete" and "Notify Payee" are highlighted below to facilitate user operations. However, the problem with China Merchants Bank is that the transfer information is too simple. The transfer finance and payee are not displayed, so users cannot confirm the information. Bank of Communications displays the transfer amount, payee and payee account number, which is not too complicated and allows users to Confirm the information, it is more appropriate.

Electronic Reply

There is a "Notify Payee" button on the transfer result page. This is usually misunderstood as sending a text message to notify the payee, but it is actually via email or WeChat. Sending an electronic receipt to the payee is also considered a notification to the payee.

In addition to sending an electronic receipt on the transfer success page, there are also situations where the receipt is not sent after the transfer but later the payee asks for the receipt. In this case, the transfer record will be searched, so most banks will The details page provides an entrance to view the electronic receipt.

Bank of Communications has a good experience point here: you can choose to hide the payment card number on the electronic receipt, which is beneficial to protecting privacy. You can also personalize the background of the receipt. It can be seen that the design is very careful.

Transfer record query

At present, the overall experience of bank transfer record query is still relatively weak. The most important point is that most banks can only query transfer records in the past year, while Alipay and WeChat can Querying all historical records has a large gap and cannot fully meet the needs of users.

Most bank transfer records support search functions. Transfer records can be searched by beneficiary account name, account number, mobile phone number, postscript, etc., simplifying user operations.

China Merchants Bank only supports querying for the past 10 months, but you can select more than 10 months. This is a small problem that needs to be optimized.

Manage common payees

On the common payee page, each bank will display the bank card under your name at the top, and the rest are arranged according to the first letter of the pinyin of the last name, with the pinyin on the right Strips can be quickly positioned. You can delete and edit a single payee, set an alias, and conduct an accurate search for the payee by name, account number or alias. The overall experience is good.

Here China Merchants Bank shows their attention to details. They divide common payees into transfer-out and transfer-in. When there are many payees, the experience of finding the payee will be poor. Very good.

Limit setting

Limit setting ensures the safety of users’ funds to a certain extent. Each bank can set daily limits, annual limits and daily number of transactions. The overall operation is relatively smooth and smooth. convenient.

Here only Xingye uses uppercase numbers to prompt when modifying the amount. The original intention is good, but the entire amount is generated, which is not practical. In fact, the user only needs to prompt the number of digits. It is recommended to change the prompt to uppercase numbers. digits, the experience will be better.

China Construction Bank has a relatively big experience problem here. When users click on the transfer limit setting, they enter the payment limit setting by default. The user needs to operate again to switch to the transfer limit setting. It is easy for the user to ignore it, resulting in setting errors. , needs to be modified.

Error prevention

Transfers involve funds, and errors may result in loss of funds. Therefore, error prevention and tolerance have a huge impact on the user experience. The most error-prone part in the transfer operation is the input of bank card number.

At this point, first of all, most banks support pasting bank card numbers and taking photos to identify card numbers, which avoids user input errors from the source.

If the user makes a mistake, most banks can immediately identify and prompt the user to verify and enter the correct card number. Among them, the investment and transportation experience is the best, with fast identification and timely prompts. It is accurate, but the experience of Bank of Nanjing is slightly worse. It prompts users too late, causing users to perform many invalid operations.

Innovative functions

With the development of the Internet, traditional banks not only provide transfer functions, but also provide users with some more useful functions, such as China Construction Bank’s 2D Code transfer, batch transfer, AA collection; China Merchants Bank’s transfer to multiple people (within 20 people), QR code invitation to transfer partners; Bank of Nanjing’s WeChat transfer, etc. From these functions, we can see that traditional banks are also trying to keep up. The needs of Internet users require constant innovation.

Evaluation summary

Based on the experience and functions of the entire transfer process, China Merchants Bank scored the highest score of 92.0 points, with a high level of experience in all aspects. It deserves to be regarded as the traditional bank that values ??experience the most. ；its