1, incomplete information. Due to the rapid development of mobile banking in recent years, many functions are still not perfect and the user experience is not good. After applying for mobile banking, individual users will forget to upload relevant supporting materials. I didn't remember it until there was no result. The background will always show that it is being reviewed and there is no progress.
2. Degree of risk control. The risk control of each bank is different. Some banks have strict auditing, which requires the coordination and supervision of multiple departments and takes a lot of time. Therefore, the review process may be delayed.
3. Time of application. Generally, pure credit loans are automatically reviewed by the system, and whether or not to grant credit is automatically judged according to user qualifications, transaction records and credit. Credit loans with higher thresholds need manual review, so they may be slower. In addition, the working day approval is faster. If users apply in the middle of the night, holidays and other time periods, if there is a problem, it will be delayed for a certain time.