First of all, I will introduce the products of China Merchants Bank's mobile terminal, which are mainly divided into two parts:

One is China Merchants Bank's mobile banking APP, with WAP version of mobile online banking; After version 3. of mobile banking, the interface style is similar to that of pocket life, and it has won many awards.

The other is the mobile product of China Merchants Bank Credit Card Center-Pocket Life, which is matched by mobile website and third-party channel (WeChat service number). At present, Pocket Life has version 5., and it has made an open system to support other banks' card login. The mobile website was launched this year, and the team doing WeChat service number should support the content expansion of WeChat service number. There are two development teams corresponding to these two products: IT of China Merchants Bank Head Office and IT of Credit Card Center (the head office is in Shenzhen and the credit card center is in Shanghai). In terms of the composition of developers, both teams recruit their own developers. In the past two years, the requirements of developers have become higher and higher, no less than those of first-tier Internet companies. None of the core development teams are outsourced. These two teams also support the development needs of the head office and the credit card center departments respectively.

outsourcing companies will be invited on the p>UI. In terms of experience, it is really inferior to the first-tier Internet companies. On the one hand, it is the internal framework of the company. The leaders have a great right to speak, and the added functions are often decided by the leaders. Some leaders with deeper qualifications may indeed lack a little Internet perspective. On the other hand, the supervision is always staring at it, and many good functions have been changed to neither fish nor fowl because of supervision. In terms of development mode, the mobile banking of the head office should still be based on waterfall development mode; The credit card center is developed rapidly, and the iteration of pocket life is faster. In terms of personnel flow, programmers who are in and out, have development experience and have a certain understanding of the banking system are still competitive.

First of all, China Merchants Bank's mobile banking, I think, is really the first in the whole industry. It makes sense for students to vomit verification code and vomit login system. Some designs will make people feel that the experience is not excellent, but as people from the banking industry know, in order to reach the level you see now, China Merchants Bank students have to spend a lot of energy and struggle to do this, because the security requirements, regulatory requirements and system complexity of the financial system are really not finished in a few words. Please believe me, students who can be product managers in the head office of banks will not be worse than BAT in education, IQ, industry experience and market sensitivity, but there are more objective conditions, and no one is more stupid than anyone else.

Then, as for the team, I think there are two reasons why China Merchants Bank has done a good job as a team:

1. China Merchants Bank built its own development team instead of outsourcing, which determines that the team's own quality and recruitment standards are at the level of the head office of the bank. Those who can hold this job, such as graduate education or development ability, can definitely stand the test. Besides, it is said that the bank is working around the clock from 8: 3 to 9: 3 in the evening, and everyone should believe it long ago. Many other banks outsource their development teams to make these products. I have read the team resumes provided by suppliers, and a person from three universities is highly educated. . . Not just academic qualifications, just quietly ask, how many technical giants are willing to do on-site outsourcing? . . Therefore, the development quality and demand satisfaction can be seen. To sum up, the technical team of China Merchants Bank is fierce and hard-working, which is the first floor.

2. The product team is very serious and hard, so let's not talk about it. It is also very important that their entire interactive design and visual design are outsourced by a well-known domestic user experience design company, which is called Tang Shuo. It's really fierce. It takes a big hand to make such a design concept and achievement under so many restrictions within the bank.