From the interface experience, these 10 direct banking apps have friendly interfaces, clear column settings and three or four sections at the bottom. However, there is still room for improvement in the design of the main interface of banks. Other function keys, such as e-loan, e-deposit, and fund transfer, need to be pulled down to the bottom to be found, which is relatively hidden. Function keys are also hidden, such as wealth, currency, and loan fund supermarkets, which need to be pulled up to see.
In terms of operating experience, most direct selling banks have a clear process of registering and opening accounts, which is convenient to operate, but the cancellation of accounts is not humanized enough. Zhongyuan Bank, direct selling bank, etc. Account cancellation is not supported. Hankou Bank Direct Bank does not support online account cancellation, and you need to bring your certificate to the business outlet.
In terms of interactive experience, only Langfang Bank Direct Bank and Hankou Bank Direct Bank have novice guidance, and other direct banks do not. Jiangsu Bank Direct Bank, Hankou Bank Direct Bank, Zhongyuan Bank Direct Bank, Huichang Changcai Bank and Gansu Bank Direct Bank all launched online customer service, while Hangzhou Bank Direct Bank, Bank of Ningbo Direct Bank and Qilu Bank Direct Bank all have telephone customer service.
As a bank App, financial products and services are the core content. Looking at direct selling banks, financial products mainly include deposits, wealth management, funds, insurance, precious metals and loans. Whether online life service and more featured products are also within the scope of this evaluation.
Beijing business today reporter found today that the basic functions of these 10 direct selling banks are uneven. Jiangsu Bank's direct banking online products are the most abundant, including deposits, wealth management, funds, gold and loans. , wealth management products are screened according to the function keys such as flexible access, within 3 months and over 3 months. It also innovatively sold the wealth management products of Qingdao Bank (Hong Kong stock 03866) and set up a "transfer zone". Bank of Hangzhou Direct Bank launched bank wealth management products, money funds, structured deposits, gold ETFs and consignment support.