Recently, in the “mobile banking reviews 2016” organized by Sina finance. From the views of functionality, user experience, security and innovation, Sina finance conducted multiple rounds of reviews on 19 banks’ mobile banking service. In this review, Industrial Bank’s mobile banking service got a rating score of 92.75, which ranks very high among the competitors.
According to the review, Industrial Bank’s mobile banking service has high scores in the area of functionality, security and innovation, specially ranking first in innovation among all the competing banks. The reviews indicate that the bank's mobile banking service has a relatively comprehensive functionality; its wealth management function is excellent; services such as making appointments for opening a bank card, making withdrawals on ATM without bank card have their uniqueness, and security measures are sound with innovative features.
Industrial Bank takes very seriously of the problems pointed out by the reviews. For example, the mobile banking service doesn't support the change of credit limit, or only supports a limited number of utility payments; the online mall’s shopping process isn't smooth, and there are still rooms to improve customer experience. By analyzing the cause of the problems and taking measures to solve them, Industrial Bank puts its first priority on improving customer experience.
As for the problem of not supporting the change of credit limit, the bank immediately organized tech group to improve and launch the service within 2 days, which makes the clients to manage their credit limits through mobile banking more conveniently. “As for other suggestions, we will evaluate and gradually improve in the details of our mobile banking service, so we could provide better service for our clients.” Yang Zhong, the head of Industrial Bank’s mobile banking department said.
In recent years, Industrial Bank is committed to the idea of “putting clients first”, and based on the clients’ need, to actively build a “convenient, fast, caring and comprehensive” mobile financial service platform using new Internet technology and ideas. Now, IB’ s mobile banking service can provide more than 300 services such as financial information contents, transfers and payments, investments and wealth managements, and daily services, which basically cover all the non-cash transactions services and lead in many areas, for example, the bank is the first to draw experience form major E-commerce companies to put direct banking in the mobile banking service, creatively make the registration, bank cards connecting and purchases in sync, and support clients to enter direct banking through the IB mobile banking APP and buy popular wealth management products directly with cards from multiple banks.
In the areas of optimizing mobile banking service functions and UI, Industrial Bank also has putted a lot of efforts. Taking the APP’ s interface as an example, the bank not only applied the newest “light flat design” with various clean colors and simple icons, it also managed to put the menu forward so clients don’t have to log in to check the functions, and can make their unique menus. In the area of mobile payments, the bank, working with China Unionpay and Apple Pay, introduced the Fingerprint payment technology so clients can enjoy its payment convenience through the APP while shopping online or in stores.