How to charge for mobile banking in China Construction Bank?

Mobile banking of China Construction Bank has cancelled all charges in July, 20 14, that is, there is no charge for both the advanced version and the regular version now. But if it is a short message bank (that is, there is a short message to inform the deposit and withdrawal), this business is 27 yuan/year, 3 yuan/month. Online banking now U shield the original price of 25 yuan. Some outlets are free, and some outlets charge at the original price.

At present, the mobile banking of China Construction Bank is free, and the transfer through mobile banking is free in the province, and the charging standard outside the province is 1.5%.

Mobile banking is not telephone banking. Telephone banking is a banking service based on voice, and mobile banking is a banking service based on SMS. At present, all businesses conducted through telephone banking can be realized through mobile banking, and mobile banking can also complete secondary transactions that telephone banking cannot achieve. For example, banks can pay telephone, water, electricity and other fees on behalf of users, but generally they can only transfer money after the user confirms it. Because mobile banking uses SMS, users can receive the information sent by the bank at any time when they turn on their mobile phones, so they can confirm the transfer anytime and anywhere.

Compared with WAP online banking, mobile banking has outstanding advantages. First of all, mobile banking has a huge potential user base; Secondly, mobile banking can only be operated after the SIM card and account double passwords are confirmed at the same time, so it is safe. WAP is an open network, and it is difficult to guarantee that it will not be attacked in the process of information transmission. In addition, mobile banking has good real-time performance, and the turn-back time is almost negligible, while WAP needs always online for the same service, which will also depend on many uncertain factors such as network congestion and signal strength.

References:

Baidu Encyclopedia-China Construction Bank Mobile Banking