What is the electronic account of Shanghai Pudong Development Bank Direct Bank? Is this card a debit or credit card?

Pufa direct bank account is a debit card. The opening of Shanghai Pudong Development Bank's direct banking is very simple. As long as you have your ID card and debit card, you can open it in a few minutes after you fill in your identity information online.

Direct selling banks do not rely on physical outlets, and they are organizations with independent legal personality that are divorced from traditional banks. For incremental users. Direct banking is an independent and complete business model, which obtains and keeps customers through the Internet and provides them with products and services, not just a channel.

Direct selling banks directly make profits for banks through innovative business models based on the Internet, and become an innovative platform for financial products. ?

Direct banking is an independent brand-new business model, that is, it carries out comprehensive process reengineering from product design, system construction, organizational structure, marketing model and other aspects, and is responsible for the maintenance of its customers' whole life cycle, while electronic banking is only responsible for the maintenance of customers' partial life cycle.

Extended data:

Electronic account refers to online financial services such as electronic account management provided by banks, credit cards, insurance companies and other financial institutions. The customer's credit card number or bank account number is the symbol of e-commerce. Electronic accounts ensure the security of their operation through technical measures such as customer authentication, digital signature and data encryption.

Electronic account has most of the functions of debit card, which can realize multi-account management and enjoy all-round personal financial services such as investment, wealth management, financing, online payment and business expenses payment. In addition, after opening an account, family funds can be managed and collected in a unified way.

Specifically, after opening the account inquiry contract and the agreement payment contract, the account holder can add the bank card accounts of his own bank and family members to family account through account management, so as to manage the funds of family account in a unified way.

After the funds are collected, the account holder can record the family's in-and-out accounts with the help of the family account book. After bookkeeping, the account details will be displayed in a list, and the income and expenditure comparison chart, income composition chart, expenditure composition chart and income and expenditure trend chart will help you intuitively analyze the income and expenditure of the account. At the same time, the electronic account can also manage the income and expenditure records by itself, indicating the income and expenditure type, date, purpose, amount and remarks.

On this basis, the risk tolerance test helps account holders to self-evaluate their risk tolerance through questionnaires, and divides the risk levels into conservative, profitable, stable, stable and enterprising, which will provide different investment suggestions for customers with different risk levels and tailor a financial report for customers.

In addition to the above financial functions, electronic accounts can also complete payment and credit card repayment.