According to the configuration and services of Huaxia Bank, Huaxia Bank is a direct selling bank, which provides users with omni-channel services of mobile banking and online banking on the basis of fully respecting users' habits. In addition, all the business handled by Huaxia Bank customers is completely based on the Internet. Compared with the traditional counter service mode, the business efficiency will be greatly improved.

CCB attaches great importance to the application of information technology in banking business, constantly expands the field of financial services, has a good computer and communication system, and is at the leading level among domestic peers. China Construction Bank adopts the commercial operating system with the highest security level in China, and establishes an online dynamic security monitoring system to monitor the online banking system for 24 hours. Among the five major banks of CCB, personal online banking has the highest frequency and efficiency.