中行电子银行向综合金融营销服务平台转型

Boc e-banking to the comprehensive transformation of financial marketing services platform

Two days before lunar snake in the coming year, wang and his team members finally, etc to the product review online news.

Although not the first to launch the iPad client bank, but the good experience and a large number of innovation still let a client of bank of China in many Banks at the start of the birth of the client in the sense that gives a person shine at the moment. As the bank of China personal online banking iPad client project manager, wang for this product with confidence: "compared with other Banks, as it were, the client, the interaction effect of our products is the best one."

"Banks are now attaches great importance to the electronic channel construction, only innovation and excellence, to understand the operation habit and financial needs of customers, our products to get customers approval." Wang said.

In fact, after several years of rapid development, has become electronic bank innovation and transformation of the development of the important driving force and the carrier, in the electronic channel business Banks replacement rate is more than 60% today, in addition to keep up with new technology development trend, intensive cultivation, improving customer experience for future Banks a direction of the development of the electronic banking business.

Interactive effects of improving customer experience

"We used the iPad such tablet with phone client," the bank's electronic banking sources told reporters that "the launch of the iPad client's main purpose is to play the iPad screen and touch etc advantages, optimize the customer experience, to bring customers new interactive, abundant value-added services, personalized custom services and fast and smooth operation. The issue on the client side functionality in addition to investment money, other functions with the web version of the online banking function is the basic consistent."

Reporter opens at the client experience, found that the client supports click, drag, sliding, such as multi-touch multitasking operating. At the same time, in the process of customer operations provide a variety of dynamic operations such as flashing, bounce, feedback, and the classification of the function also is from the perspective of customers, in a comprehensible "I want to withdraw", "I'm going to the remittance" title. And compared to other bank's online banking client, boc's iPad client also innovation launched a demo video operation, common functionality to customize operations, return visit history records and so on characteristics. The most impressed journalists is the client's remittance automatic matching function, by simple account drag, then save the remittance before is to input the card number, and type in the name the other bank.

In addition, the reporter also noticed that the bank of China net silver iPad client built-in preferential activities, preferential merchant, ATM inquiry, deposit and lending interest rates, foreign exchange rate, financial products, such as fund net value convenient information, customers do not need to log on to online banking and understand the latest discount information and service information may at any time. In addition, the bank of China net silver iPad client support customer upload avatar picture, welcome custom menus and commonly used functions, at the same time provide birthday wishes, financial information, the latest discount information, create personalized mobile financial service for the customer.

It is worth mentioning that the client USES the "pool" model architecture, will gather in the financial services from the "cloud" in the "pool", using the localization service, maximum limit to reduce the communication time, effectively improve the rate of customer for the operations. In addition, the "pool" mode architecture supports componentized applications, client in the client version updates, you can choose to update parts of a page, greatly shortens the time of software updates and reduces the network traffic. "For ordinary users, the model architecture of intuitive experience is to experience faster, including page and interaction." Wang said.

Multiple means to ensure safety

Variety of humanized design was based on the judgment of electronic banking in the future development trend, in the bank electronic bank business development planning also explicitly proposed to "guarantee the availability and ease of use of basic services, create the best customer experience."

As technology advances, the development of electronic banking is monkey jumped out of the enclosure of the extensive management, the bank's electronic banking for future development are also put forward higher requirements: optimize the basic functions and business processes, enhance product usability services; Improved interface display and customer interaction forms, improving customer friendly operation. Through multiple tasks in parallel, window operation, task flow automatic judgment, fuzzy retrieval methods such as innovation shows the way of the bank on the net; Optimize customer operating mechanism of guidance and help, and gradually improve page visual effects, rich information page.

Good interaction to promote the customer experience, but it seems to many customers and some in the industry, online and mobile channels, change has brought great convenience to customers, continuously improve the safety of the products are still is one of the first job of the bank.

"Compared with other software developers, Banks in the development of such client, pay more attention to security issues." Wang said, "while apple's iOS system itself is safe, but we are still using iPad client is bank of China as a whole a security system, has a variety of authentication methods, and integration in the client's security controls, do not need to download, users can effectively prevent fishing, data breaches security hidden danger." Journalists were also found in the experience, in addition to login dynamic verification code, foreign trade, also need dynamic password and mobile transaction code, say in terms of safety, the iPad client with net silver certification is basically the same.

To build integrated financial services platform

There is no denying the fact that technological progress brings to the bank balance in both commercial and public services customers, in this case, the electronic bank's future role is self-evident. Tracking customer habits change, terminals and access online banking application become rich bank choice, and the launch of the iPad client is an important part of the series of development.

"We are collecting some data, research and analysis, the bank's electronic banking business on the Internet a complete coverage of the platform is a trend in the future." Wang said. We have learned, in this piece, besides Spring Festival launched the iPad client issue individual net silver, bank of China also plans to launch in May this year function more complete phase ii of the iPad client. In November and to launch before the end of the year for android and Windows system tablet PC client. And each mobile banking system will have resulted in this year to receive a new version of the update.

"At present, all kinds of mobile terminal in the domestic sales and ownership is very considerable, we launch platform covering all of the client, on the one hand is inventory to meet customer demand, on the other hand also hope to attract more new customers." Wang said.

Actually, for the bank of China in 2012, the electronic banking business development strategy to its more supporting role, improve market share and competitive ability. But now "in the service level, business scale and market influence is still a gap with the market leaders, electronic banking on support migration of insider trading, marketing and driving innovation has yet to fully exert the role of." The bank's electronic banking a report specification is proposed.

Facing the industry in the electronic banking have been delivered from the products and services emerging channels, to cope with the Internet and realize the innovation and transformation of economic development hub change trend. Bank of China, electronic banking officials said this to us in solving basic contradictions, driving innovation and transformation of electronic bank puts forward new requirements. How to deal with competition in the market situation change brings opportunities and challenges, will be the starting point and foothold for the future development of electronic banking business.

The bank's electronic banking officials also told reporters: "integrated internal and external business situation planning the new requirements of new change and the wisdom of bank, our bank electronic bank will further dig into distributary channel, market development potential and business innovation, and to the comprehensive transformation of financial marketing services platform, to the electronic bank business management transformation."