In recent years, the banking industry has been focusing on retail transformation, promoting the mobile, online and intelligentization of retail business through technological innovation, channel management and enhanced services, and accelerating product innovation, business innovation and service model innovation around better serving the public's financial needs for investment and financing, clothing, food, housing and transportation.
On November 18, ICBC officially released the 7.0 version of its mobile banking, which comprehensively upgrades wealth, service, personality, interaction and rights. So what are the new features of ICBC's new version of mobile banking? What problems have been solved? Not good to use? What about the experience? China e-banking network, in conjunction with CFCA compatibility and performance test platform and zero-point survey, evaluated its compatibility, performance, security and experience of innovative features.
Description of the evaluation environment and indicators:
Version: ICBC Mobile Banking 7.0.1.0.1
Performance test system: Android IOS
Evaluation indicators: mainly from the four parts of 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 of the highlights and common functions of ICBC's revamped version.
17 cell phone brands, 97.3% compatibility pass rate
ICBC has a 97.30% pass rate among the current mainstream 222 Android IOS mobile devices, covering 17 cell phone brands, with good overall compatibility.
Many of the performances are better than the industry average, such as CPU utilization, total traffic consumption.
In terms of basic performance, the review tested ICBC Mobile Banking 7.0 in seven indicators: CPU utilization, memory utilization, user experience time using startup, total device traffic consumption, using startup time, battery temperature, and battery consumption. Details are as follows:
All tests passed, providing users with all-around security.
In terms of security, the evaluation of ICBC Mobile Banking involved 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 was found that when the new version of ICBC's mobile banking client is tested for communication security, all operation data will be encrypted individually; if the client engages in sensitive business operations, the system will generate a temporary key pair by exchanging random numbers with the server. The temporary key pairs are encrypted once to resist replay attacks (also known as replay attacks and replay attacks, which refer to the attacker sending packets already received by the destination host to deceive the system, and are mainly used in the process of identity authentication to undermine the correctness of the authentication) in sensitive business.
In addition, in the client interaction experience evaluation, authentication, verification code, gesture password, biometrics, session protection and other modules. All passed the security test, providing security for users in all aspects.
Salary, bills, documents, skins create more convenience and carry exclusive personality.
ICBC New Butler
"ICBC Salary Butler" service is a professional service platform for salary customers by integrating ICBC's advantageous service and product resources and focusing on the salary preservation and value-added needs of individual salary customers. "After ICBC Salary Manager is bound to the ICBC Salary Card, it integrates a variety of financial services such as money transfer and remittance, living expenses, smart deposit, flexible wealth management, exclusive wealth management and other financial services to meet the daily personal financial needs of individual salary customers, bringing them a one-stop salary management experience of "Receive, Use, Deposit, Borrow and Earn".
Cloud Hosting
Security is a prerequisite for ease of use. Every time a user enters Cloud Hosting, he or she is required to undergo face recognition to ensure document security. Image information recognition (OCR technology) is introduced during the document upload process, which can intelligently read customers' ID cards, driver's licenses, and other documents. After uploading the photo of the customer's ID card, 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 cell phone for ID card if necessary.
"Cloud hosting" has
ICB users can make detailed inquiries through digital books, which can span up to 10 years. The entire functional page of transaction details is clearly displayed, a single screen can display multiple transaction contents, and the overall design layout is also very beautiful. Each month is distinguished by a different color, which is convenient for customers to consult; the screening function is divided into 4 dimensions, 19 categories of income and expenditure, and 23 categories of expenditure analysis, which can be analyzed, retrieved, and reminded. Users can clearly sort out their spending, and can also click on the details to drill down to view the details of the transaction information without having to jump to a new page, which is more convenient for users.
Monthly bill, annual bill
ICB's monthly bill annual bill is a housekeeping bill, similar to Alipay's annual bill display. Go to My Screen and click on Monthly Statement. Monthly and annual assets, liabilities, income, expenses, equity and so on. can be displayed as they fall.
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 points entitlement, which can inform customers of their own entitlements and play a role in reminding customers of the exchange of entitlements.
Personalized Skin Change
Through checking accounts, paying bills and managing money, you can have a more convenient and smarter experience.
Congress Mobile Banking continues the previous convenient way of account inquiry, "My Account" is free of login to check the balance; if users don't want to display the account information before logging in, they can turn it off through the "Quick Transaction" switch. The account page provides a number of convenient channels that allow users to quickly inquire about obvious card numbers, duplicate card numbers, lost accounts, and account opening outlets. It meets various needs related to customers' account inquiries. The overall style is simple, and the balance display is clear.
Life expenses
In the Life Payment (ePayment) function board, the payment function is very rich, including not only the basic payment services such as water, electricity, coal and gas, but also entertainment, education, finance and tax, transportation, tourism and other services, covering almost every aspect of life, which can meet the various payment needs in different areas. At the same time, users can also set up entrusted withholding, small amount of confidentiality-free payment, or make an appointment to pay for common payment items to meet specific payment needs.
Finance and Investment
ICB's mobile banking investment and wealth management module has its products divided into 13 categories. At the top of the homepage, users can see the share of total investment assets and keep themselves informed of their asset allocation. Financial management
Products as the main products to occupy the "investment and wealth management" page of the product recommendation position.
Wealth management products are not only screened by product term, starting amount and yield, but also support query by quota status; the historical yield of each product is also very clear, and the yield of each period is displayed according to each offering period, which is convenient for customers to query.
The "AI Intelligent Investment" of Wealth Management Investment is very attractive, which is mainly the use of big data and artificial intelligence technology, through the analysis of customer income and expenditure, risk tolerance, product preference, purchase experience, etc., and the use of model algorithms, quantitative timing, to provide intelligent, specialized investment services, and also provide personalized asset allocation for customers based on accurate customer profiling. portrait to provide customers with personalized asset allocation solutions to achieve personalized asset allocation.
Mobile banking 7.0 ultimate experience into the 460 million customers
ICB mobile banking customers more than 460 million people, in the mobile banking update iteration also adhere to the principle of customer-centered, the use of various functions, visual perception, and other aspects of the use of to meet the needs of customers, so that customers are more convenient to make the financial services to better serve the people's need for a better life as a guideline.
The bank's mobile banking further promotes the integration and fusion of online and offline by creating an online boutique platform, innovating the ultimate product experience, and accelerating the construction of ecological scenes. The latest 7.0 version of the innovative launch of the five smart companions, from the wealth, cloud, exclusive, billing, rights and interests of the five aspects, to achieve a full range of upgrades, to meet customer needs at the same time, security upgrades and reinforcement, so that the cell phone banking has become more intelligent, professional, convenient and safe.
Related Q&A: Why can't ICBC mobile banking transfer ICBC mobile banking transfer shows "no available authentication method" because the transfer has exceeded a certain limit. The user of the self-registered ICBC bank online banking single and daily transfer cumulative limit of 5,000 yuan, the limit is in order to protect the account funds security. 1. If you want to adjust the transfer limit, log in to ICBC Mobile Banking, select "Favorite" - "ICBC ePayment" - "Security Management" - "SMS" function. SMS" function, open the SMS authentication payment service. SMS authentication payment single and daily transfer cumulative limit 2. If you also need to carry out a higher amount of transfers, you can go to ICBC outlets to apply for the U shield as an authentication tool, U shield authentication payment single and daily transfer cumulative limit of 20,000 yuan. 3. In summary, the ICBC mobile banking transfers show that there is no authentication method available because of transfers more than the limit, the limit is in order to protect the account fund security, can be through the SMS certification or U-Shield authentication to increase the transfer amount limit 4. You need to go to the front desk of the bank to open the security tool authentication and activation, after activation, you can come into the bank online banking self-service inquiries, transfers, financial management. You can also choose to activate the phone authentication must use the account opening fill in the reserved cell phone number to receive SMS verification code, if there is no reserved cell phone number is not available through the manual online business. After successful authentication and activation, log back into online banking or mobile banking and click on transfer and remittance, fill in the name of the payee, the account number, the amount of remittance, etc., and then click on the next step to transfer the money successfully, and there will not be any authentication method available or the card does not have the authority to transfer from the remittance of the reminder. If you have forgotten your withdrawal password, you can go to a CCB branch to reset it. The account holder himself/herself brings his/her identity document. Bring the account bank card or passbook. Go to the local CCB branch, apply for reset withdrawal password business, reset withdrawal password can be. Account demand deposits of less than 50,000, and have a network shield customers, you can operate through the personal Internet banking my account - reset account password, reset the password. Operating environment: (HUAWEI GRA-CL10, version number: GRA-CL10C92B366, system version number: EMUI system 4.0.1)