Southern Weekend: The banking revolution in the pocket

The iphone opens up a new world for banks, the photo shows the Peng, president of the bank's credit card center, at a conference on cooperation with China Unicom (cfp/Shunling/map) Author: South Weekend reporter Shu You mobile phone, there are signals, fingers, there are banking services-consumers in the pocket, is carrying out a banking revolution.　　And Chinese banks and foreign banks, stand on the same starting line. Bank's new cake "U.S. banks have long been measured, mobile banking processing a business, the cost of only 15% of the counter costs, counters need 7 yuan, mobile phone bank only 1.05 yuan." "Two months, download volume 200,000, equivalent to run a newspaper." Du Bing, retail banking manager of China Merchants Bank, told reporters.　　"On November 3, 2010, China Merchants Bank and Unicom officially released a mobile banking client system for the iphone. Since then, the use of the iphone can be used to check bank accounts, transfer remittances, buy movie tickets, money.　　Interestingly, it can also be similar to GPS map positioning, you can find anywhere around the Merchants Bank's network and ATM machine.　　Soon, in the Apple App Store's free download software rankings, "palm life" position in front of the evaluation of five-star. "The key is how many customers are really using, and that number is more meaningful to us."　　January 12, 2011, Du Bing told reporters.　　Perhaps more crucially for banks is the following two sets of data. Mobile internet users are soaring.　　Mobile internet consumption habits have been developed, the use of mobile phone reading news, shopping, subscribe to various services and other activities are gradually becoming an integral part of people's daily life. Recently, the end of the second session of the Beijing Mobile Banking Service Summit Forum released the "2010 Mobile Banking User Survey report." The report shows that by the end of March 2010, China's mobile phone users have reached 780 million households. Among them, mobile internet business users reach 277 million households, accounting for the total number of mobile phone users 35.5%.　　In the survey, nearly 40% of respondents opened mobile banking, and nearly 50% of respondents had strong willingness to use them. On the other hand, the U.S. banks have already done the calculation, mobile phone banks to deal with a business, the cost of only 15% of the counter costs, counters need 7 yuan, mobile banking only 1.05 yuan.　　"Mobile Banking" as a new business ushered in the golden age of development. The head of the Bank of Ningbo's electronic banking department points out that mobile phones have a higher penetration rate than PCs.　　Over time, the number and Jambi of mobile internet users will increase.　　Compared with online banking, the convenience of mobile banking is more prominent, "Anytime" space is broader.　　With the opening of the 3G, mobile internet speed, the original "Slow mobile phone network" Bottleneck to eliminate the basic, customer experience to enhance the sense. At the same time, this also means that the banking competition pattern again break through--before the 90 's, to the dot of the success or failure; Network HingAfter that, the bankers defined as cement + mouse, online banking became an effective complement to physical outlets, and now the trend is, cement + mouse + thumb, who can ignore the mobile interconnection of this amazing cake? The same starting line "for Chinese banks, the new channel is more important, this time, they stand on the same line as foreign banks."　　"Without exception, the 5 banks interviewed by reporters, unanimous expressed a strong interest." In the fully competitive market, who runs fast who is the protagonist, this is the basic rules of the game.　　And bankers are ready to seize the mobile phone business.　　October 2010, Beijing International Exhibition Center held in the 2010 China International information and Communication exhibition, Mr. Yang Jing, deputy general manager of China Unicom Group, is currently talking with a number of banks on the iphone platform based on online banking application cooperation.　　As MA, the bank's president, welcomed the launch of the new system, banks have quietly launched a 1.1-4 version of mobile Banking clients for iphone and ipad apps in the IPhone3 era.　　Although the client-side software has been updated and fully functional, it is regrettable that the Bank of communications has not loudly shouted for all the iphone fans to understand it.　　Bank of China is also stepping up its push to promote their iphone banking client system, the BOC handheld. Wang Jiaye, assistant general manager of Bank of China's electronic banking department, told reporters, "We will combine online banking, ATM self-service bank, telephone bank, mobile banking and other electronic channels to build up a bank of China through electronic channels."　　"For China's banks, the new channel is more important, this time, they stand on the same line as foreign banks."　　By the end of December, Standard Chartered had warmed up their iphone banking client system, Breeze.　　At a new product launch, Lin Manyun, the personal banking director of Standard Chartered's China Limited, presented reporters with a "Breeze" system. They have begun to explore how to provide better services.　　For example, the "Breeze" client can even use the mobile banking system to value the property the customer is buying and calculate the amount of the loan and the monthly mortgage contribution immediately. "The future of the bank's GPS navigation can even tell you in the outlets and ATM, shopping on the street which restaurants and shops are the bank's special merchants, eat, buy things will be discounted."　　"she said. Interestingly, for new trends, the consistently dreary banks are also starting to flourish, even the description of the customer began to use the Internet language-Standard Chartered asked the research company to describe the target customer groups of mobile Banking: love life, Learn, love yourself as a boss, love to travel, especially travel abroad, love the iphone , love the goods, love online shopping, love net silver, although my monthly income is only 10,000-40,000, my financial assets are nearly 500,000, we are socialBackbone, we aspire to financial freedom, into the high-end crowd.　　We are in the rich family, in the future we guide a new life.　　This is an emerging social group, and Standard Chartered has defined it as a "rich family", one of the salient features of which is that the group is an absolute fan of mobile banking. The war is just beginning, "Du Bing said." Currently, there are about 4 payment models for mobile payments. The first is the "mobile banking" model that uses mobile phones to log on to mobile internet operations online. The second is the mobile operator as a third-party payment mechanism of the "phone deduction" mode. The third is a payment pattern, driven by third parties independent of banks and mobile operators, that binds mobile phones and bank card numbers.　　The fourth kind is the "non-contact" payment mode based on new chip card, which is introduced by bank card organization and bank and mobile operator.　　But with the advent of the iphone and other smartphones, the "mobile Banking" model, which was the least favoured by the market, burst into new vigor. At present, most of the domestic commercial banks in the mobile phone banks still stay in the "web age." That is, mobile phone users need to tap the bank on the Web page on the mobile internet site, and then enter the account password to log in to the Bank of the network.　　function is also limited to simple inquiries, transfer, credit card repayment and simple payment function.　　With the advent of the iphone, a more user-friendly client has finally emerged.　　More importantly, the client will become a platform that allows banks to exclusively recommend the Bank's financial products, consignment products, and not other bank products and services.　　But the temporary lead on the iphone is hard to say is the absolute opportunity to gain a smartphone. How many bank terminals can a mobile phone contain? Who can be called the best choice?　　Before the birth of a real leader in this field, it seems that everyone has a chance. In addition to the iphone, almost all handset makers and non-handset makers have joined the competition for mobile internet handsets.　　For banks, that is a complex development process: Wang Jiaye of the Bank of China, the current mobile phone terminal type of more than two thousand or three thousand, banks in the development of clients, the different types of mobile phones should be adapted, otherwise it is likely that mobile phone users can not use when downloading clients.　　For example, even the BlackBerry mobile operating system, but different versions, it is possible that the bank will also develop different versions of the client to adapt to it, otherwise, it is not very good compatibility with the original platform. Secondly, the maintenance cost of upgrading and upgrading is higher. Because of the client's way, ask the customer to download a software installed on the phone.　　So if the bank upgrades the client version, or launches a new client software, the customer needs to download again, the customer will find it inconvenient.　　Despite the hurdles, the banks understand that this is a battleground. The bank's approach is to take positions from the source--along with the big three telecoms companies and handset makersTo cooperate, pre-installed client software in mobile phone. One way of the bank is to "update"-Du Bing said, "the bank must be linked with fresh." ”