I am an Elite Club customer of ICBC. I also have credit cards, passbooks, Peony transportation cards and express cards, all of which are linked to online banking. I have also opened online banking with U-shield certificates, and in Baidu mainly responds to banking questions. Still have some ideas.

After communicating with online banking customer service, the chat content cannot be saved or copied. It can only be saved as a screenshot, which is somewhat inconvenient. Inconvenient to answer chat questions accurately. If it can be replicated, it can also improve the quality of bank customer service agents' responses to questions.

China Merchants Bank has applied for an enterprise platform on Baidu to reply to questions from its friends on Baidu. This is a big step ahead of ICBC. I hope you can learn from it. I often see more than 10 of China Merchants Bank Customer service replies to questions in Baidu. Such replies are more authoritative than replies from friends. This can also solve the workload of ICBC's own customer service agents.

The ICBC forum is currently not very active, and there is a lack of authoritative replies from the bank. It is recommended that the ICBC forum be made active. For quality answers, credit card points can be awarded, or other reward methods can be considered.

Although ICBC's online banking is relatively reliable, currently not many cipher devices are used. The problem is the cipher battery. If the power supply in the computer can be used, the number of people using it can be greatly increased. If there is a comprehensive Q&A and system instructions on ICBC U-Shield customers' online banking activation on the ICBC official website, it can also reduce the workload of ICBC's telephone or online customer service. Because the amount of information in this area is relatively not very systematic and complete.

The variety of ICBC credit card installment business is relatively small. Only the consumption installment business is the installment business of the credit card mall. It is recommended to design 1-2 more installment payment business forms so that customers can have more options. choose.

ICBC credit card does not impose full penalty interest, which is very popular and is a method rarely seen by other banks. If the credit card installment business can be designed so that the installment ends early and subsequent handling fees do not have to be paid, then more customers will definitely use ICBC's credit card installment business. ICBC's cardless withdrawal service has not been publicized enough and is not used by a wide range of people. It is recommended that more efforts be made to promote this service to meet the needs of specific customer groups.

Although ICBC credit card paper statements are promoting electronic statements, there are some reward points for switching to electronic statements for the first time. Should there be rewards for customers who use electronic statements every year? It can avoid the return of customers who use electronic bills and switch to paper bills.

Please convey some of your opinions to the management of ICBC and consider everything so that ICBC's services can truly play a leading role in the banking industry.