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Although the number of merchants settled is not as high as the merchant resources of millions or tens of millions on the Internet platform, through precise Selecting merchants has improved the quality and won the support of some users. The brand image of China Merchants Bank has been established step by step and its core competitiveness has been created.In addition to scenarios, products are also a very important part, especially products embedded in scenarios, which provide users with one-stop financial service solutions. This is the biggest feature that distinguishes bank apps from Internet products. The starting point is to test the technical capabilities of banks’ financial technology.
Compared with the traditional model of product development, bank apps have accumulated a large amount of user data through operations. In addition to asset stratification, banks can also segment users according to their Iceland Phone Number age, behavior, scene preferences, habits and other dimensions, as a basis for Based on the development of targeted products/services, these products/services are then pushed to customers in a targeted manner to achieve "thousands of people, thousands of faces".Not every bank has strong enough data analysis and user model building capabilities, and this will be one of the focuses of the future success of bank apps.
ConclusionYao Jingyuan, a special researcher at the Counselor's Office of the State Council, once said in an interview with the media: " The expansion of service boundaries by commercial banks is not a technical issue. The most essential footing is to stand from the user's standpoint and satisfy the people's yearning for a better life. "If we start from this point of view, whether it is scene ecosystem construction or product development, the retail banking business model must change from "product-branch-customer" to "user-scenario-product". According to the Internet, the user experience is The decisive factor.
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