OREANDA-NEWS. October 27, 2014. In recent years, the service models of banking via internet channels have been increasingly enriched, bringing diversified, fast and convenient financial services for customers. However, at the same time, multiple sets of login names and passwords for different channels have also increased memory load for customers and affected customer experience.

Therefore, ICBC has recently unified login names, passwords, registered accounts, and safety authentication token of personal Internet banking and mobile banking channels, which will enable customers to enjoy convenient internet financial service experience.

This round of service upgrading of ICBC personal internet banking and mobile banking has the following characteristics. First, from July 13, 2014, as long as a new customer registers an internet banking/mobile banking account at ICBC counter or via self-service channel, the internet banking and mobile banking services will be enabled simultaneously. In the future, if the customer adds new registered accounts, maintains or deletes the registered accounts, the operation will come into effect in both channels simultaneously. Second, the Bank has unified login methods and realized unified pass via e-banking.

When the new customer enables service, the login methods will be unified automatically. For existing customers, after finishing service upgrading according to the system login prompt, their login names (including card number/account number, phone number for mobile banking registration, and internet banking alias ) of personal internet banking and mobile banking channels will be shared and they can choose one login name based on their own preferences. One password for different channels will help them avoid inconvenience of memorizing multiple passwords. Third, unified safety authentication tool will be used for two channels. After the service upgrading, safety authentication tools of ICBC internet banking and mobile banking will be shared and common USB Shield, e-password devices or e-banking password cards held by customers can be used for two channels. If the customer does not want to use services of one channel, they can close the service functions, which guarantees customers’ right to choose services.

From the perspective of customers, changes arising from the upgrading will be reflected mainly in the following two aspects. The first is the faster business processing. Previously, if the customer wanted to activate personal internet banking and mobile banking, the teller needed to enter information and enable services for the customer separately. By contrast, after the upgrading, as long as the teller enters information once, services of the two channels will be enabled simultaneously, which will further accelerate business handling. For customers who have already enabled services of one of the channels, there is no need for them to apply for activation of the other channel and they can immediately enjoy services via both channels, which will greatly save customers’ time at the counter. The second is the better customer operating experience. Previously, customers had to set login passwords for the personal internet banking and mobile banking separately and manage registered accounts separately. However, after the upgrading, customers can use the same account and password to log into the personal internet banking and mobile banking and changes of registered account and login passwords of either channels will come into effect simultaneously in the other channel, which will greatly simplify operation procedures.