Enhance the customer experience. In addition to the new page upgrade, the new version of mobile banking goes deep into the common functional areas of customers and streamlines the operation process. Taking the transfer as an example, the new version of mobile banking has designed a scenario transfer method for customers, which commonly uses simple functions such as payee and mobile phone number transfer. The best channel can be automatically selected according to the customer's transfer amount, time and card number, and the customer does not need to manually input the information of the receiving bank and the account opening branch, so the transfer operation can be easily completed and the handling fee is free. In addition, the new version of mobile banking also launched a "large font version" for middle-aged and elderly users.
Personalized financial services. Based on the research and analysis of more than 300 technologies in the industry, the new version of mobile banking has launched a series of personalized services. Intelligent billing, according to the customer's financial situation and self-portrait, make differentiated financial analysis and give professional financial investment advice. Financial management, showing important financial management points in the form of calendar, such as credit card repayment date, financial management sale date, etc. Intelligent recommendation, financial investment product recommendation, personalized marketing service, remote customer service, etc. According to each customer's asset status and personality preference.
CITIC Bank has established a complete and exclusive service model for each customer through big data analysis of customers' trading habits. Therefore, the new version of mobile banking has the personalized service ability of "knowing what you need".
Multidimensional security. The new version of mobile banking relies on the three-dimensional real-time risk monitoring system independently designed and developed by CITIC Bank, covering before, during and after the event, and realizing real-time prevention and control of the whole process and cross-channel case risks. At the same time, it also provides security measures such as Bluetooth keys or face recognition for large transfers to ensure the safety of customers' funds. Customers can also establish a white list of trust accounts according to their own needs. There is no need to repeat the transfer, only two steps are needed to complete the whole transfer process.
"Financial non-financial" scenario service. The new version of mobile banking builds a life channel around scenes such as food, clothing, housing and transportation, and highly integrates financial services with non-financial services. Taking overseas finance as an example, the new version of mobile banking bid farewell to the single banking business model and provides customers with one-stop overseas financial services, covering seven categories of products and services such as visa payment, credit certificate, foreign exchange business, overseas loans, cross-border remittance, international credit cards and overseas asset allocation.
In addition, users can also query debit cards, credit card points and rights exchange services in real time through the newly added mobile banking.
Smart investment products are on the gray line. CITIC Bank's intelligent investment products have created a four-in-one solution of customer portrait, fund diagnosis, intelligent recommendation and dynamic management, and formed a complete set of wealth management system, including pre-sale (finding matching funds), in-sale (reminding market changes) and after-sale (reviewing and adjusting fund portfolio). On the day of the conference, CITIC Bank's smart investment will be launched, which will gradually bring a variety of smart wealth management products with low threshold and high efficiency.
It is understood that CITIC Bank's smart investment products have a low threshold, and it only needs 20,000 yuan to invest, positioning itself as an exclusive wealth consultant that ordinary people can afford. Customers start smart investment services through new mobile banking, and automatically analyze big data models in the background.
At the same time, CITIC Bank's "e- Hu Bao" product was upgraded on the day of the conference, becoming the first batch of electronic accounts that support the whole process of online account opening and have the balance management function. Customers can set the guaranteed amount of the account, and the excess will be automatically transferred to the salary pot of CITIC Bank, providing customers with investment income higher than the deposit interest rate 10 times. CITIC Bank announced that from now until the end of next year, customers who successfully registered E Hu Bao and signed the Xincheng version of the salary pot can enjoy an investment income coupon with a maximum amount of 50,000 yuan and an annualized income of 7.5% 14 days.
As the earliest traditional commercial bank to set foot in the field of Internet finance, CITIC Bank has always maintained its first-Mover advantage, adhered to the strategy of "taking the Internet as a breakthrough to realize channel integration", put people first, deepened channel construction, combined the latest scientific and technological achievements of the Internet with financial services, and continued to vigorously promote inclusive finance to provide customers with more accurate, safe, convenient, intelligent and personalized services.
Related questions and answers: When can the salary pot of CITIC Bank be transferred to the salary pot of CITIC Bank? You can apply for transfer at any time, but if the investor transfers in before the trading day (T day) 15, the investor will transfer in the same day and calculate the share. If it is transferred after 15, it will be calculated on the next t day (if there is a holiday or weekend in between).
Therefore, even if investors transfer in after T day or rest day 15, CITIC Bank will not accept the confirmed share, so the best transfer time is before the trading day 15.
Related Q&A: Does anyone know or buy the wage cooker of CITIC Bank? When you apply for a card, you started the money deduction function, right? You can make some settings and then go to the counter to close it, or you can log in to CITIC APP and enter the salary pot. You can turn off automatic transfer in the settings, or you can set the guaranteed amount to a high point, such as 1 10,000, so that money higher than 1 10,000 will be automatically transferred to the payroll.