Explain the reasons from the functions provided by the mobile banking app.

The main functions provided by mobile banking are as follows:

Savings account management. Including financial management such as transfer and fixed deposit and withdrawal. Including funds and futures investments. Credit card management. Including credit card application, repayment, etc. First, the savings account management function. Nowadays, young people have little savings and rarely save money for a fixed period of time. If you transfer money, Alipay WeChat can be realized without the participation of mobile banking. Middle-aged and elderly people have some savings, but the operation interface of mobile banking is too complicated, so many people are afraid of making mistakes and prefer to queue up at the bank counter.

Second, the financial management function. When the financial management function of mobile banking is opened, you need to go to the bank counter to sign a contract. Alipay WeChat also provides financial management function, which is more convenient for young people to use than mobile banking. For middle-aged and elderly people, out of aversion to risk, they don't need to manage money, but prefer to save money regularly.

Then there is the credit card function. Credit card repayment can also be achieved through WeChat Alipay. For young people, mobile banking is a chicken rib. Middle-aged and elderly people have no habit of spending in advance, and credit card business is almost meaningless to them.

Therefore, the target group of mobile banking app is too narrow, and it is not as convenient to use as WeChat Alipay. It can be said that it is the existence of chicken ribs, so it is difficult to promote.

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