3g門(mén)戶2010手機(jī)銀行橫向?qū)Ρ仍u(píng)測(cè)（3G portal 2010 mobile banking horizontal comparison evaluation）

1、3g門(mén)戶2010手機(jī)銀行橫向?qū)Ρ仍u(píng)測(cè)（3G portal 2010 mobile banking horizontal comparison evaluation）2010 mobile banking horizontal contrast evaluationOctober 2010 09 to source: 3G Portal Mobile evaluation room: at present, mobile banking in China is still in the beginning of the stage, whether it is functional or use

2、 experience, there are many improvements. With the 3G east wind, more and more banks are getting into this field. And the earliest water test people, also have to rely on 3G version, new business and other measures to seize the commanding heights. 3G portal mobile phone evaluation room this year sel

3、ected 10 mobile banking, conducted a detailed evaluation, covering the opening of the convenience, functional richness, tariff concessions, 3G version of the experience, such as 10 posite scoreTOP 1 Bank of Communications: 42TOP 2 industrial and Commercial Bank of China: 39.5TOP 3 Merc

4、hants Bank: 37TOP 4 Construction Bank: 36.5TOP 5 Societe Generale: 36TOP 6 Bank of China: 35.5TOP 7 Pudong Development Bank: 35TOP 8 Agricultural Bank: 32TOP 9 CITIC Bank: 29TOP 10 Everbright Bank: 28.5Note: * 1 points to 0.5 points;a, mobile banking opening convenienceThe mobile phone bank by mobil

5、e phone to mobile phone bank or bank website login page prompts to perform self opening, transfers, remittances, loans and other transactions involving the business will need to go to the bank business outlets opened.China Merchants Bank, Societe Generale Bank and other banks mobile phone banking fu

6、nction has been tacitly opened, the user does not need to apply, you can directly use. And CITIC Bank must go to business outlets, relatively troublesome. In addition, ICBC transfer also need to hold electronic bank password card, although the security is higher, but the opening procedure is also a

7、little cumbersome.TOP score: 1 construction bank assumesTOP 1 score: the bank assumesTOP 1 score: agricultural bank assumesTOP score: 1 Shanghai Pudong development bank assumesTOP 1 score: industrial bank assumesTOP 1 score: China Merchants Bank assumesTOP 7 China Everbright Bank: * * * * scoreTOP 7

8、 industrial and Commercial Bank: * * * * scoreTOP 9 score: * * * Chinese bankTOP10 score: CITIC Bank.two, interface experienceIn the mobile banking interface, the majority of banks have launched a colorful, well-designed version of 3G, compared to pure WAP pages, to be intuitive and atmospheric. At

9、present, only Everbright Bank and Agricultural Bank in the 3G version has no achievements. In addition, China Merchants Bank launched a web page that supports www prefixes to support access to high-end smart machines. The Bank of communications is for each mobile phone platform launched a mobile ban

10、king client, in order to meet high-end intelligent machines, such as iPhone, Android and other mobile phones access.TOP 1 score: the bank assumes itTOP 1 score: CITIC bank assumes itTOP 3 score: Industrial and Commercial Bank of China assumesTOP 3 score: China Merchants Bank assumesTOP 5 score: * *

11、* bank *TOP 5 China: * * * * bank scoreTOP 7 score: * * * Construction Bank,TOP 8 score: * * * Shanghai Pudong Development BankTOP 9 score: * * * China Everbright BankTOP score: 10 agricultural bank.three richness of functionWith the popularity of mobile banking, the major banks in mobile banking fr

12、om the test water form, inquiries, transfers and other basic financial services began to expand slowly. Fund, foreign exchange, gold and other financial services, most mobile banking already have, mobile phone number transfer, mobile phone recharge and other convenience services, many banks have als

13、o opened. In addition, some banks have launched various exclusive functions for their own characteristics and launched corresponding regional services. For example, the banks cash, mobile phone recharge Yangchengtong, the industrial and Commercial Bank of China Construction Bank EMAIL transfer, Q co

14、ins recharge of the Agricultural Bank, roaming remittances etc.TOP 1 score: the bank assumes itTOP 1 score: Chinese bank assumes itTOP 3 score: Industrial and Commercial Bank of China assumesTOP score: 3 construction bank assumesTOP 3 score: agricultural bank assumesTOP score: 3 Shanghai Pudong deve

15、lopment bank assumesTOP 7 score: * * * bank *TOP 7 China Everbright Bank: * * * * scoreTOP 7 CITIC Bank: * * * * scoreTOP 10 score: * * * China Merchants Bankfour ease of operationIn addition to China Merchants Bank and Agricultural Bank of China, other banks have adopted the mobile phone number bin

16、ding login mode, so do not need to enter the bank card number is very convenient. In the page navigation, most banks are set to jump clear, the bank is particularly prominent, with the iPhone version of the client for example, taking into account the appearance at the same time, a variety of jump an

17、d return action is smooth, the performance is very good.TOP 1 score: the bank assumes itTOP 2 score: Industrial and Commercial Bank of China assumesTOP score: 2 construction bank assumesTOP 2 score: CITIC bank assumesTOP 2 score: Chinese bank assumesTOP score: 2 Shanghai Pudong development bank assu

18、mesTOP 2 score: industrial bank assumesTOP 8 China Merchants Bank: * * * * scoreTOP 9 score: * * * China Everbright BankTOP score: 10 agricultural bank.five quality of customer serviceI found that the earliest test of mobile phone banks, several major banks, such as Bank of communications, industria

19、l and Commercial Bank of China, construction bank, and so on, in customer service quality has a very good performance. Whether its the lobby managers familiarity with the business, the presentation of the official website, or the answers to the bank service hotline, they are all very professional. A

20、nd CITIC Bank, Bank of China and other obvious in this regard there is still no small gap. CITIC Bank as an example, the author in its official website for a long time, can not find how to log in mobile banking related information. The Bank of China has just opened the mobile banking business, wheth

21、er it is counter or telephone advice, for mobile banking business support capability of this business need to be further improved.TOP score: 1 construction bank assumes itTOP 1 score: the bank assumes itTOP 3 score: China Everbright bank assumesTOP 3 score: Industrial and Commercial Bank of China as

22、sumesTOP 5 China Merchants Bank: * * * * scoreTOP 6 score: * * * bankTOP 6 score: * * * Shanghai Pudong Development BankTOP 8 score: * * * Chinese bankTOP score: 9 Agricultural Bank.TOP 10 score: * * CITIC Banksix, tariff and preferential policiesMost banks have adopted the preferential policy of mo

23、bile phone banking free service, the Construction Bank is the only one to collect service charge every month. In addition, in order to promote mobile banking, industrial and Commercial Bank of China, Bank of communications and other mobile phones, banks, remittance fees have a certain discount, comp

24、ared to online banking and ATM transfer to a lot of money. And the Industrial Bank, CITIC Bank and other transfers and no preferential, and took the same standards as online banking charges. It is worth mentioning that the Agricultural Bank is currently free of all, whether it is mobile phone bankin

25、g service fee or the transfer fee, the early adopters of users, the attraction is not small.TOP score: 1 agricultural bank assumes.TOP 2 score: the bank assumesTOP score: 2 Shanghai Pudong development bank assumesTOP 2 score: Industrial and Commercial Bank of China assumesTOP 5 score: * * * China Ev

26、erbright BankTOP 5 score: * * * bankTOP 5 score: * * * China Merchants BankTOP 5 score: * * * Chinese bankTOP 9 score: * * * Construction BankTOP 10 score: CITIC Bank.seven page access speed and stabilityIn terms of speed and stability, the difference between mobile banking is not obvious. Bank of c

27、ommunications, industrial and Commercial Bank of China, China Merchants Bank and other banks basic speed can be smooth operation. Construction Bank, CITIC Bank, because the picture elements of the design too much, relatively slightly inferior in speed to. And Everbright Bank in the use of the proces

28、s often occur for a long time can not open pages and error prompts, performance is unsatisfactory. It is worth mentioning that, industrial bank whether ordinary edition or 3G version, in speed has a very good performance, very worthy of recognition.TOP score: 1 Industrial bank assumes itTOP 2 score:

29、 Industrial and Commercial Bank of China assumesTOP 2 score: the bank assumesTOP 2 score: agricultural bank assumesTOP score: 2 Shanghai Pudong development bank assumesTOP 2 score: China Merchants Bank assumesTOP 7 score: * * * Construction Bank,TOP 8 score: * * * Chinese bankTOP 9 score: CITIC Bank

30、.TOP 10 score: China Everbright Bank.eight security of transactionsMost mobile phone banks carry on the multiple encryption transmission to the user data, the bank server carries on the certificate authentication, the reservation information authentication, sets the transaction limit and so on many

31、kinds of security measures, safeguards the users account security.In addition to China Merchants Bank and Agricultural Bank of China, other mobile phone banks have established the sole binding relationship between the identity information of customers and the mobile phone number. Only the customers

32、mobile phone can log into the mobile phone bank as the customers identity.In addition, ICBC is better at safety than any other bank due to the adoption of welcome page and electronic bank password card.TOP 1 score: Industrial and Commercial Bank of China assumes itTOP score: 2 construction bank assu

33、mesTOP 2 score: Chinese bank assumesTOP 2 score: the bank assumesTOP 2 score: China Merchants Bank assumesTOP 6 score: * * * bank *TOP 7 score: * * * Agricultural BankTOP 8 score: Shanghai Pudong Development Bank.TOP 8 score: China Everbright Bank.TOP 8 score: CITIC Bank.nine, 3G version of the func

34、tional experienceExperience in the 3G version, there is no doubt that the bank is doing the best, whether it is the version of the client interface design or function rich, other than a stroke above the bank. And China Merchants Bank, CITIC Bank and Bank of China have adopted HTML based pages, so ma

35、ny high-end mobile phones, such as iPhone and Android, which do not support WAP access point, can be accessed smoothly. On the contrary, Everbright Bank and agricultural bank is currently only WAP version, in the 3G version has no contribution.TOP 1 score: the bank assumes itTOP 1 score: CITIC bank

36、assumes itTOP 3 score: Industrial and Commercial Bank of China assumesTOP 4 score: Chinese bank assumesTOP 5 score: * * * bank *TOP 5 China Merchants Bank: * * * * scoreTOP 7 score: * * * Construction BankTOP 7 score: * * * Shanghai Pudong Development BankTOP 9 score: China Everbright Bank.TOP score

37、: 9 Agricultural Bank.ten mobile browser compatibilityChina Merchants Bank in terms of compatibility performance can be used to describe the HTML rise above the common herd, based on the version supports almost all mobile phone browser and mobile phone system, and the web arrangement is also no inco

38、mpatibility situation. CITIC Bank and Bank of China are also compatible with Android, iPhone and other high-end mobile phones, but due to compression problems, there will be defects in page deformation. In addition, some banks can only access through the browser with their own mobile phone, and cann

39、ot use the third party browser.TOP 1 score: China Merchants Bank assumes itTOP 2 score: China Everbright bank assumesTOP 2 score: CITIC bank assumesTOP 2 score: Chinese bank assumesTOP 2 score: agricultural bank assumesTOP score: 2 Shanghai Pudong development bank assumesTOP 7 industrial and Commerc

40、ial Bank: * * * * scoreTOP 7 score: * * * Construction Bank,TOP 7 score: * * * bank *TOP 7 score: * * * bank *Advantages and disadvantages of major banksindustrial and Commercial BankAdvantages: complete functions and high security.Disadvantages: transfer payments need to open password card, slightl

41、y cumbersome, do not support iPhone and other high-end mobile phone access.Features: online banking and mobile banking use a unified electronic banking password card, security is guaranteed.Everbright BankAdvantages: tariff discounts larger, basic financial services can also be achieved.Disadvantage

42、s: slow access and errors in many places.Features: can open Everbright electronic bank free packages, enjoy more tariff concessionsConstruction BankAdvantages: lobby manager and counter staff are familiar with the mobile banking business, you can give professional answers, functional business can me

43、et the basic needs.Disadvantages: collect mobile banking service fees, and page access speed in general.Characteristics: the opening of the Q coins recharge and other special services.Bank of communicationsAdvantages: full-featured, convenient function is very characteristic. The client version is b

44、eautifully designed and the page jumps very smoothly.Disadvantages: currently in the promotion period, exempt from mobile banking service charges, over the promotion period will be charged.Features: client version brings superior user experience, but also opened a traffic card recharge, and other sp

45、ecial features.Agricultural BankAdvantages: mobile banking services and remittance fees free of charge.Disadvantages: only WAP version, also does not support iPhone and other mobile access.Features: opened the roaming remittance and other exclusive features businessPudong Development BankAdvantages:

46、 page access speed is very smooth, better than last yearDisadvantages: set the quota to go to the counter, do not support Android, iPhone and other mobile phone access.Features: through the Shanghai Pudong development mobile phone bank and the Shanghai gold exchange to build a gold trading system fo

47、r inquiries and transactions.Industrial BankAdvantages: both the 3G version and the general version, access speed is very fast.Disadvantages: transfer fees, no discount, and online banking to take the same fees.Features: social security card inquiries can be carried out in some areasMerchants BankAdvantages: support access to almost all mobile phones including iPhone and Android.Disadvantages: the function business is not complete enough, nor does it support any transfer function.Features: exclusive web version compatible with most mob