When banks handle business, staff always invite you to open mobile banking. What’s behind this

However, for the older generation who are not skilled in using mobile phones, they still like to go to the bank to deposit and withdraw money, because the bank can bring them a sense of security. However, I don’t know if you have found such a problem. Every time we go to the bank to handle business, the staff will strongly require us to download a mobile banking app. If we don’t want to handle it, they will persuade us repeatedly. < / P > < p > this makes us wonder why we should promote app in this way? Is there anything fishy? In this regard, professionals say that it’s not greasy, it’s just good. < / P > < p > with the development of Internet finance, traditional banks have been strongly impacted, but traditional banks have upgraded their traditional banking business through mobile banking, Internet banking and direct banking, and have made great progress. < p > < p > in 2017, the number of customers of China Mobile Bank further increased. Among them, individual customers were 1.502 billion, with a year-on-year growth of 28.28%; enterprise customers were 0.05 billion, with a year-on-year growth of 57.52%. By the end of 2017, mobile banking users of the five major state-owned banks exceeded 900 million, of which ICBC, CCB and ABC ranked the top three in the market, reaching 282 million, 266 million and 206 million respectively. < p > < p > seeing this trend of mobile banking, many banks regard mobile banking as the strategic focus of future development. In 2017, ICBC implemented & quot; big retail & quot; strategy in 2017, and CCB promoted the strategy of giving priority to retail business. Last year, China Merchants Bank sold 4.43 trillion yuan of financial products through app, accounting for 43.17% of the bank’s total financial sales; For all banks, especially retail banks, mobile banking is the only way to go, which is equivalent to rebuilding banks for these banks. &The importance of mobile banking. No matter what strategy the head office puts forward, it is the grass-roots staff, the counter staff and the customer manager who ultimately implement it. The head office has the strategy, the branch company has the measure, implements to the counter staff and the customer manager as the appraisal goal, has the reward, cannot complete the deduction bonus. < / P > < p > some people say that bank employees strongly urge customers to start mobile banking, purely for the sake of the bank itself and save costs for the bank, because the development of mobile banking and Internet banking has led to a sharp rise in the turnover rate of banking business. The average rate of leaving the cabinet of each banking business is more than 90%, and some banks are more than 95%, which reduces the network points of banks and the number of mobile banking people Labor cost. However, in fact, the mobile banking business of the bank is more about expanding the business mode and function of the bank, improving the convenience and efficiency of the bank business processing, so as to resist the impact of Internet finance, and increase your user value through the accumulation of bank customer data. As for the disadvantages of mobile banking, it is necessary to pay attention to the security of mobile banking. After all, mobile banking is based on mobile phone, so after opening mobile banking, attention must be paid to the security of mobile phone, confidentiality of transaction password, safe fund transfer transaction, payment and other links. < p > < p > in particular, the mobile phone of the mobile bank in the country of use should not be handled easily, but should be discarded after some deletion or format; mobile banking should be cancelled in time and not always logged in, so as to avoid being stolen. Further security management should be carried out for the bank account opening mobile banking, so as to reduce the current funds available in the mobile banking related accounts. < / P > < p > when we go to the bank to handle business, if we need to open mobile banking, we can open it, but if we don’t need it, we should not let it occupy our mobile phone memory. What’s your opinion on this? Welcome to leave a message! Older posts →