Number of ICBC mobile banking users

In recent years, the banking industry has focused on retail transformation, promoted the mobile, online and intelligent retail business through scientific and technological innovation, channel management and enhanced services, and accelerated product innovation, business innovation and service model innovation around better serving the public's financial needs such as investment and financing, food, clothing, housing and transportation.

165438+1October18th, China Industrial and Commercial Bank officially released version 7.0 of mobile banking, which comprehensively upgraded wealth, service, personality, interaction and rights. So, what are the new functions of ICBC's new mobile banking? What problems have been solved? It doesn't work? What about the experience? China Electronic Banking Network combines CFCA compatibility and performance testing platform and zero survey to evaluate its compatibility, performance, security and innovative functional experience.

Description of evaluation environment and indicators:

Version: China Industrial and Commercial Bank Mobile Banking 7.0. 1.0. 1

Performance test system: Android IOS

Evaluation indicators: mainly from four parts: compatibility, performance, security and functional experience. Among them, the functional experience is analyzed from the aspects of functional satisfaction, usability, innovation and interface design. The functions involved include some highlights and common functions of the ICBC revision.

17 mobile phone brands, and the compatibility pass rate is 97.3%.

China Industrial and Commercial Bank has a qualified rate of 97.30% among the 222 mainstream Android IOS mobile phone devices, covering 17 mobile phone brands, with good overall compatibility.

Many performances are better than the industry average, such as CPU utilization and total traffic consumption.

In terms of basic performance, this evaluation tests ICBC Mobile Banking 7.0 from seven indicators: CPU occupancy, memory occupancy, startup user experience time, total device flow consumption, startup time, battery temperature and battery consumption. Details are as follows:

All passed the test, providing users with all-round security.

In terms of security, this evaluation of ICBC's mobile banking involves 52 security indicators, mainly including six parts: communication security, client runtime security, client interaction security, client security protection, code security evaluation and client business logic security evaluation.

It is found that when the new mobile banking client of China Industrial and Commercial Bank conducts communication security detection, all operation data will be encrypted separately; If the client is engaged in sensitive business operations, the system will generate a temporary key pair by exchanging random numbers with the server. The temporary key can be encrypted once, which can resist replay attacks in sensitive services (also known as replay attacks and replay attacks, which mean that attackers send packets that the destination host has received to deceive the system, mainly used to undermine the correctness of authentication during the identity authentication process).

In addition, in the evaluation of client interaction experience, there are modules such as identity authentication, verification code, gesture password, biometric identification and session protection. All passed the safety test, providing users with all-round safety guarantee.

Salary, bills, documents and skin create more convenience and carry exclusive personality.

ICBC's new housekeeper

"ICBC Salary Butler" service is a professional service platform for salary customers by integrating ICBC's superior services and product resources and focusing on the salary maintenance and appreciation needs of individual salary customers. After the ICBC payroll manager binds the ICBC payroll card, it integrates various financial services such as transfer and remittance, living payment, smart deposit, flexible financial management and exclusive financial management according to the daily personal financial business needs of individual payroll customers, bringing a one-stop salary management experience of "receiving, using, saving, borrowing and earning".

Cloud trusteeship

Safety is the premise of ensuring convenient use. Every time a user enters "cloud hosting", face recognition is required to ensure the security of the document. Image information recognition (OCR technology) is introduced in the file uploading process, which can intelligently read the customer's ID card, driver's license and other documents. After the customer's ID card is photographed and uploaded, the ID card can be saved in the "cloud hosting" system after checking the relevant information, and the PDF version can be downloaded to the mobile phone to apply for the ID card if necessary.

"cloud hosting" has been

Users of ICBC can make detailed inquiries through digital books, and the inquiry time span can be as long as 10 years. The whole function page of transaction details is very clear, a single screen can display multiple transaction contents, and the overall design layout is also very beautiful. Use different colors to distinguish each month, which is convenient for customers to consult; The screening function is divided into four dimensions: 19 revenue and expenditure analysis and 23 expenditure analysis, which can be analyzed, retrieved and reminded. Users can clearly sort out their own consumption situation, or click on the details to drill down to see the details of the transaction information, which is more convenient for users and does not need to jump to a new page.

Monthly bill, annual bill

ICBC's monthly bill and annual bill are both housekeeper-style bills, similar to Alipay's annual bill display. Enter my interface and click on the monthly statement. Monthly and annual assets, liabilities, income, expenses, equity, etc. It can be displayed when descending.

The overall style has different themes according to the different characteristics of each month, giving customers a refreshing feeling. The display of bills is rich in content, especially the display of integral rights and interests, which can inform customers of their own rights and interests and remind customers of the exchange of rights and interests.

Personality rejuvenation

Through auditing, payment and financial management, you will have a more convenient and intelligent experience.

ICBC Mobile Banking continues the convenient account inquiry method in the past, and "My Account" can inquire the balance without logging in; If users don't want to display account information before logging in, they can turn it off through the "quick transaction" switch. The account page provides a number of convenient channels, and users can quickly query obvious card numbers, duplicate card numbers, account loss reporting, account opening outlets, etc. Meet all kinds of needs related to customer account inquiry. The overall style is simple and the balance is clearly displayed.

living expenses

In the living payment (e-payment) function section, payment functions are very rich, including not only basic payment services such as water, electricity, coal and gas, but also services such as entertainment, education, taxation, transportation and tourism, covering almost all aspects of life and meeting various payment needs in different regions. At the same time, users can also set up entrusted withholding, small confidential payment, or make an appointment to pay common payment items to meet specific payment needs.

Finance and investment

ICBC's mobile banking investment and wealth management module, its products are divided into 13 categories. At the top of the homepage, users can see the share of total investment assets and know their asset allocation at any time. financial management

As the main product, the product occupies the product recommendation position on the "Investment and Financial Management" page.

Wealth management products can be filtered by product term, initial purchase amount, yield and other conditions, and can also be queried by quota status. The historical rate of return of each product is also very clear, and the income of each period is displayed according to each issue period, which is convenient for customers to inquire.

The "AI smart investment" of wealth management investment is very attractive. It mainly uses big data and artificial intelligence technology to provide intelligent and professional investment services by analyzing customers' income and expenditure, risk tolerance, product preferences and purchasing experience. And use model algorithm and quantitative timing. At the same time, it provides customers with personalized asset allocation scheme based on accurate customer portraits to realize personalized asset allocation.

The ultimate experience of mobile banking 7.0 is integrated into 460 million customers.

ICBC has more than 460 million mobile banking customers, and it also adheres to the customer-centric principle in the updating iteration of mobile banking. The use of various functions and visual perception are based on meeting customers' needs, making customers more convenient and making finance better serve people's needs for a better life.

By building an online boutique platform, the bank's mobile banking has innovated the ultimate product experience, accelerated the construction of ecological scenes, and further promoted online and offline integration. The latest version 7.0 innovatively launched five smart partners, and achieved all-round upgrades from five aspects: wealth, cloud, exclusivity, bills and rights. While meeting the needs of customers, the security upgrade is strengthened, making mobile banking more intelligent, professional, convenient and safe.

Related questions and answers: Why can't ICBC mobile banking transfer money? ICBC Mobile Banking displays "No authentication method available" because the transfer exceeds a certain limit. Users who independently register for ICBC online banking have a daily single transfer limit of 5,000 yuan, which is to ensure the safety of account funds. : 1. If you need to adjust the transfer limit, you can log in to ICBC Mobile Banking and select Favorites-ICBC E-Payment-Security Management-SMS to enable SMS service in verification payment. 2. If you need to transfer a higher amount, you can apply for U shield as an authentication tool at the business outlets of ICBC, and the daily cumulative transfer limit of U shield in verification payment is 20,000 yuan. 3. To sum up, ICBC mobile banking transfer, because the transfer exceeds the limit, shows that there is no authentication method. The limit is to ensure the safety of account funds, and the upper limit of transfer amount can be increased through SMS authentication or U shield authentication. 4. You need to go to the front desk of the bank to open the security tool for authentication and activation. After activation, you can come in for online banking self-service inquiry, transfer and wealth management. You can also choose to activate phone authentication. You must use the reserved mobile phone number filled in when opening an account to receive the SMS verification code. If there is no reserved mobile phone number, you can't handle business online manually. After the authentication is activated successfully, log in to online banking or mobile banking again, click Transfer Remittance, and fill in the payee's name, account number and remittance amount. , and then click Next to transfer successfully. There will be no reminder that there is no authentication method available or the card has no right to transfer out by itself. The reset method after the withdrawal password is forgotten shall be handled at CCB outlets. The head of household carries his identity document. Carry an account, bank card or passbook. Go to the local CCB outlet to reset the withdrawal password and reset the withdrawal password. Customers with a current deposit of less than 50,000 yuan and a net shield can operate my account through personal online banking-reset the account password and reset the password. Operating environment: (Huawei GRA-CL 10, version number: GRA-CL1092B366, system version number: EMUI system 4.0. 1).