Can I withdraw cash from mobile banking app transfer?

Mobile banking transfer is irrevocable. If it is transferred to Alipay account, it is an instant transaction.

This transaction method has reached the other party's account at the same time as the payment is successful. If you transfer money to a bank card, it will arrive in 2 hours or the next day. See the tips on the operation page.

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Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved [1]. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking [2].

The customer's mobile phone is connected with the bank through the mobile communication network, which is a brand-new business product that can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts, thus realizing the functions of "financial management" and "electronic wallet" of mobile phones. To put it simply, mobile banking is the abbreviation of using mobile phones to handle banking-related business, a channel for banks to realize electronicization, and a brand-new service model combining currency electronicization with mobile communication business [3].

Commercial function broadcasting

(1) account management

Provide customers with account management functions such as balance inquiry, daily detailed inquiry, historical detailed inquiry, registration card maintenance, account loss reporting and default account setting [5].

(2) Transfer and remittance

Mobile phone remittance is a function that customers can transfer money to the default account of customers who have opened mobile phone banking (WAP) by inputting the bank card number or mobile phone number of the payee [5].

(3) Payment business

Through this function, customers can pay daily project expenses, and support customers to submit appointment instructions for payment after non-working hours (branch business is required), and the system will handle business for customers during working hours. After the payment is successful, the item can be saved in my payment item, and the customer can also pay, query, add or delete personal payment items through My Payment Item [5].

(4) Mobile phone stock market

Customers can query the stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange through WAP, enter the stock code in "Customize My Stock", and customize or delete the stocks they care about. Customers can conduct bank-to-securities company, securities company-to-bank and related inquiry transactions through the "third-party depository" function, and in addition, they can also link to the WAP website page of brokers for stock trading [5].

(5) Fund business

According to the fund company, fund type, fund code and self-selected fund, customers can query the detailed information of a fund (including fund code, name, type, net value, historical net value, etc.). ), and key funds can be set as self-selected funds, and operations such as fund subscription, subscription, fixed investment, redemption, cancellation, balance and historical details can be carried out quickly and conveniently [5].

(VI) Precious metals

Provide customers with the functions of inquiring the real-time price of RMB paper gold (including bank buying price and bank selling price), trading paper gold according to the real-time price, or setting paper gold entrusted trading (including profit entrustment, stop loss entrustment and two-way entrustment), and inquiring the accumulated balance and account information of brand gold [5].

(7) Credit card business

Provide customers with the function of inquiring the balance and transaction details of credit cards (including credit cards, debit cards and international cards), returning overdrawn RMB and foreign currency accounts to their own credit cards, and support the credit card installment payment function [5].

(8) Customer service

Provide customers with the functions of balance change reminder customization/inquiry/modification/cancellation, main menu customization, self-service payment, authority management, modifying login/payment password, canceling mobile banking (WAP), setting customer reservation information, statement and so on [5].

Mobile banking can truly provide customers with "3A (Anytime, Anywhere, Anyhow)" service beyond time and space, as well as more personalized and safer services. It is believed that with the development of mobile communication technology, the intelligentization of mobile terminal equipment and the popularization of charges, it will inevitably catalyze the expansion of high-speed Internet users of mobile phones and bring great opportunities for the development of mobile banking that has been lurking for a long time. According to the latest statistics of iResearch, in 20 14 years, the number of users in cmnet was 570 million, and the transaction scale in China mobile shopping market was 9297. 1 100 million yuan. If mobile banking can be organically combined with the existing service channels of banks, give full play to the advantages of wireless Internet and mobile phones as intelligent terminals, and develop unique products or services (such as customized services), mobile banking will be able to play a greater role [5].

Development status broadcast

Mobile banking was born in the Czech Republic in the late 1990s. Established by Expandia Bank and Radiomobile * *, the mobile phone model is dominated by traditional banks. At the beginning, mobile banking was dominated by traditional banks, and mobile operators only provided operating platforms, the most typical of which was China. With the development of social economy and the progress of information and communication technology, mobile banking led by mobile operators has gradually emerged, the most typical of which is African countries, such as Kenya M-Pesa. M- Pesa has become the most popular mobile payment system in the world. In Kenya, M-Pesa's remittance business has exceeded the sum of all domestic financial institutions. This emerging mobile banking model in African countries is mainly due to the African people's thirst for basic financial services. The financial system of African countries is underdeveloped and it is difficult to meet people's basic financial services, thus creating the birth of this mobile banking model. The mobile banking model led by mobile operators has subverted traditional banks and will gradually emerge as a new global financial model. At the same time, mobile banking led by third-party payment companies came into being, such as CelPay in Zambia. This model, like the second model, is dominated by non-traditional banks and will have a far-reaching impact on the development of the financial industry. With the development of information and communication technology, the boundaries of mobile banking dominated by different institutions will become increasingly blurred, and the boundaries of different financial services will become increasingly blurred [6].

The development of mobile banking in China is constantly developing with the innovation of mobile phone and mobile Internet technology. From 2000 to now, it has gone through three stages: SMS banking stage (2000-2003), WAP banking stage (2004-2006) and APP banking stage (after 2007). The business that can be realized by mobile banking has gradually developed from simple account inquiry, self-service payment and bank transfer in the SMS era to innovative functions such as inquiry at nearby outlets, cash withdrawal reservation, mobile phone number transfer and QR code payment in the APP era. Mobile banking can greatly expand the service scope of banks, which is of great significance to the strategic transformation of commercial banks to retail banks in China [6].

With the rapid growth of users in cmnet, the proportion of Internet users using mobile phones has increased to 78. 50%, and mobile phones have surpassed computers to become the first terminal for Internet access, and banks have also launched mobile phone clients one after another. In 20 12 years, the number of mobile banking users was close to 1 100 million, an increase of 88. It increased by 70% year-on-year, and the fund processing scale reached 909. 2.8 billion yuan, an increase of 26.5 over the previous year. Year-on-year growth of 3%. 20 13 is the year when mobile payment broke out. The core reason lies in the mobile Internet payment, which is mainly reflected in the explosive growth of mobile purchase funds, such as the new payment forms represented by Yu 'ebao and Licaitong, and also has a great relationship with the rapid development of mobile Internet. From the perspective of user experience, the internet financial products launched by banks are still difficult to compete with' baby'. According to the Report on the Improvement of Banking Services in China in 20 13 released by China Banking Association in March of 20 14, 2,065,438+06,740,000 mobile payment services increased by 12.86% year-on-year. The amount of mobile payment was 9.64 trillion yuan, up 3 17.56% year-on-year. Mobile banking has developed rapidly. By the end of 20 13, the number of individual customers of mobile banking reached 45.8 billion, up 55.5% year-on-year. The number of corporate customers reached 1 1.43 million, a year-on-year increase of 23.04%; The total transaction volume of mobile banking reached 4. 9.8 billion, with a total turnover of 12. 74 trillion yuan, an increase of 248. 09% [6].