OREANDA-NEWS. January 05, 2016. ICBC has officially launched its mobile banking service – “ICBC e-Banking”Platform in an aim to build a comprehensive financial service platform and provide customers with all-round and diversified mobile financial services. “ICBC e-Banking” is fully open to both ICBC and non-ICBC customers.

Existing mobile banking and personal Internet banking customers of the Bank can directly log in to access brand-new mobile banking services. Customers having no ICBC cards or having not registered as the Bank’s mobile banking user can also register on the platform and access relevant services as long as they have fixed mobile phone numbers.

In terms of service functions, the upgraded mobile banking service highlights the concept of intelligence and allows customers to experience safe, considerate and one-click financial services. First, it explicitly displays information on customer accounts, investment and wealth management. For instance, a customer's debit cards and credit cards opened with ICBC and other banks are all displayed on one interface in a well-arranged manner. On the investment and wealth management interface,  investment amounts, returns and terms are directly displayed. Popular wealth management products that suit the customer are recommended in a line so that the customer can select his/her favorite products conveniently. Second, the service fully optimizes the functions often used by customers.

For instance, it consolidates the transfer/remittance process for ICBC accounts and interbank operations. The system can automatically judge account information after customers enter relevant information, and a transfer/remittance operation can be completed in three steps. Third, it offers all-round mobile living support to customers. For instance, on the newly-launched ICBC e-Payment platform, customers can conveniently pay service charges for utilities such as water, electricity and gas. The mobile life-easy service recommends to customers various special offers by ICBC on a real-time basis, and other types of services such as top-up for mobile phones, ticket/hotel booking, medical services, payment of traffic fines, card-free cash withdrawal and outlet service booking for the convenience of customers. In addition, the upgraded mobile banking service of ICBC also provides a variety of practical and characteristic functions, including intelligent management of transfers/remittances, cardless registration by customers of other banks, customization, quick location of connected transactions, real-time update of financial information, one-click payment for shopping, online customer service in the form of a floating window, simultaneous link to e-Buy, and community-based customer sharing mechanism, bringing customers mobile and convenient financial services and meeting their demand for investment and wealth management.

In terms of user experience, the newly-launched mobile banking service emphasizes the concepts of intelligence and individuality, and allows customers to customize their personal mobile financial services space. On interface design, the latest UI mode is adopted for tab display to achieve direct and thorough visual effects through precise and fashionable graphics, fonts, colors and other diverse elements. On customization, customers can set their own “favorites”l, including personal avatar setting, customizing homepage functions and recommendation of latest ICBC promotions; and access services such as account details query, transfer/remittance, investment/WM, credit card and e-payment.

Moreover, the upgraded mobile banking service provides the “smart service” function, uses big data mining technologies to analyze customers’ individual behaviors and course of life, precisely recommends exclusive WM products via “financial calendar”, simultaneously forecasts customers’ future needs for financial services, and provides them with exclusive financial services management service. In addition, it also supports custom information summarization, through which customers can query all the asset and liability information, custom services and security settings under their name, access 7?24 online customer service, download ICBC apps, and give feedback on the use of the new service.

The “ICBC e-Banking” platform has covered both mobile banking and personal Internet banking services of the Bank. After the rollout of upgraded mobile banking, the Bank will soon launch its new and open personal Internet banking version to provide customers with mobile and PC-based financial services.