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ICBC had 165 million mobile banking customers and 200 million online banking customers .China Merchants Bank is in the process of transforming its retail business, and the bank app has played a major role in it, gradually changing from a supporting role to a C-position protagonist.Ma Weihua, the senior president of China Merchants Bank, clearly understands the importance of retail business. “ If a bank does not do corporate business, there will be no food to eat today; if it does not do retail business, there will be no food to eat tomorrow. ”Almost in sync with offline retail business, from 2002 to 2010, the compound annual growth.
Rate of CMB’s online personal banking transaction volume was close to 100% , and the comprehensive replacement rate of electronic banking exceeded 80% . reached 43 million in 2010 .In 2015, China Merchants Bank repositioned its mobile Iceland Phone Number banking app and began to emphasize mobile internet and the online acquisition of basic customer groups and loan customers. “ We realized that in the future, the main operating position of the bank will be the app, not the branches. "In 2017, China Merchants Bank raised the status of technology to an unprecedented level and proposed to position China Merchants Bank as a "fintech bank.
Immediately afterwards, the "North Star" of China Merchants Bank's retail finance was switched from AUM (asset management scale) to MAU (monthly active users). number of users).It’s not just the two cases mentioned above. All banks have joined in the occupying and competition for the entire online scene of deposits, loans, and remittances. Banking apps are the main weapons in this competition.According to the China Banking Association,
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發表於 14:20:14