\ 【电大金融调查报告】手机银行迎变局 社交功能亟待提升
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【电大金融调查报告】手机银行迎变局 社交功能亟待提升

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【电大金融调查报告】手机银行迎变局 社交功能亟待提升

虽然银行业对手机银行早有涉足,但一直缺乏创新与变革的动力。近年来,随着以余额宝为代表的互联网金融产品对传统银行业务带来冲击,银行开始作出......【电大金融调查报告】手机银行迎变局 社交功能亟待提升

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虽[sui]然[ran]银[yin]行[xing]业[ye]对[dui]手[shou]机[ji]银[yin]行[xing]早[zao]有[you]涉[she]足[zu],但[dan]一[yi]直[zhi]缺[que]乏[fa]创[chuang]新[xin]与[yu]变[bian]革[ge]的[de]动[dong]力[li]。近[jin]年[nian]来[lai],随[sui]着[zhou]以[yi]余[yu]额[e]宝[bao]为[wei]代[dai]表[biao]的[de]互[hu]联[lian]网[wang]金[jin]融[rong]产[chan]品[pin]对[dui]传[chuan]统[tong]银[yin]行[xing]业[ye]务[wu]带[dai]来[lai]冲[chong]击[ji],银[yin]行[xing]开[kai]始[shi]作[zuo]出[chu]积[ji]极[ji]反[fan]应[ying]。伴[ban]随[sui]着[zhou]银[yin]行[xing]创[chuang]新[xin]与[yu]变[bian]革[ge]基[ji]因[yin]的[de]激[ji]活[huo],传[chuan]统[tong]的[de]电[dian]子[zi]银[yin]行[xing]部[bu]门[men]正[zheng]在[zai]由[you]一[yi]个[ge]简[jian]单[dan]的[de]渠[qu]道[dao]部[bu]门[men]向[xiang]集[ji]研[yan]发[fa]、宣[xuan]传[chuan]等[deng]为[wei]一[yi]体[ti]的[de]综[zong]合[he]部[bu]门[men]演[yan]变[bian];而[er]手[shou]机[ji]银[yin]行[xing]APP也[ye]正[zheng]在[zai] 上[shang]述[shu]某[mou]大[da]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]甚[shen]至[zhi]预[yu]测[ce],电[dian]子[zi]银[yin]行[xing]部[bu]将[jiang]来[lai]可[ke]能[nen]会[hui]消[xiao]失[shi]电[dian]大[da]金[jin]融[rong]调[diao]查[cha]报[bao]告[gao]。电[dian]子[zi]银[yin]行[xing]部[bu]主[zhu]要[yao]还[huai]是[shi]业[ye]务[wu]支[zhi]撑[cheng]部[bu]门[men],通[tong]过[guo]降[jiang]低[di]成[cheng]本[ben]提[ti]高[gao]利[li]润[run]。最[zui]终[zhong],电[dian]子[zi]银[yin]行[xing]公[gong]司[si]业[ye]务[wu]会[hui]归[gui]到[dao]公[gong]司[si]部[bu],个[ge]人[ren]业[ye]务[wu]会[hui]归[gui]到[dao]个[ge]人[ren]部[bu]。 虽[sui]然[ran]银[yin]行[xing]业[ye]对[dui]手[shou]机[ji]银[yin]行[xing]早[zao]有[you]涉[she]足[zu],但[dan]一[yi]直[zhi]缺[que]乏[fa]创[chuang]新[xin]与[yu]变[bian]革[ge]的[de]动[dong]力[li]。近[jin]年[nian]来[lai],随[sui]着[zhou]以[yi]余[yu]额[e]宝[bao]为[wei]代[dai]表[biao]的[de]互[hu]联[lian]网[wang]金[jin]融[rong]产[chan]品[pin]对[dui]传[chuan]统[tong]银[yin]行[xing]业[ye]务[wu]带[dai]来[lai]冲[chong]击[ji],银[yin]行[xing]开[kai]始[shi]作[zuo]出[chu]积[ji]极[ji]反[fan]应[ying]。 伴[ban]随[sui]着[zhou]银[yin]行[xing]创[chuang]新[xin]与[yu]变[bian]革[ge]基[ji]因[yin]的[de]激[ji]活[huo],传[chuan]统[tong]的[de]电[dian]子[zi]银[yin]行[xing]部[bu]门[men]正[zheng]在[zai]由[you]一[yi]个[ge]简[jian]单[dan]的[de]渠[qu]道[dao]部[bu]门[men]向[xiang]集[ji]研[yan]发[fa]、宣[xuan]传[chuan]等[deng]为[wei]一[yi]体[ti]的[de]综[zong]合[he]部[bu]门[men]演[yan]变[bian];而[er]手[shou]机[ji]银[yin]行[xing]APP也[ye]正[zheng]在[zai]一[yi]步[bu]步[bu]取[qu]代[dai]传[chuan]统[tong]的[de]银[yin]行[xing]柜[gui]台[tai]和[he]PC端[duan]口[kou],逐[zhu]渐[jian]成[cheng]为[wei]银[yin]行[xing]开[kai]展[zhan]业[ye]务[wu]的[de]新[xin]门[men]户[hu]。与[yu]此[ci]同[tong]时[shi],这[zhe]种[zhong]创[chuang]新[xin]力[li]量[liang]也[ye]在[zai]向[xiang]其[qi]他[ta]行[xing]业[ye]蔓[man]延[yan],比[bi]如[ru]以[yi]NFC支[zhi]付[fu]为[wei]主[zhu]要[yao]特[te]征[zheng]的[de]“钱[qian]包[bao]革[ge]命[ming]”正[zheng]在[zai]将[jiang]银[yin]行[xing]、银[yin]联[lian]、电[dian]信[xin]运[yun]营[ying]商[shang]等[deng]多[duo]方[fang]力[li]量[liang]整[zheng]合[he]在[zai]一[yi]起[qi]。 《《《 架[jia]构[gou]演[yan]变[bian] 功[gong]能[nen]延[yan]伸[shen]地[di]位[wei]提[ti]升[sheng]电[dian]子[zi]银[yin]行[xing]部[bu]最[zui]终[zhong]架[jia]构[gou]仍[reng]存[cun]分[fen]歧[qi] 每[mei]经[jing]记[ji]者[zhe] 张[zhang]威[wei] 发[fa]自[zi]北[bei]京[jing] 对[dui]于[yu]银[yin]行[xing]而[er]言[yan],电[dian]子[zi]银[yin]行[xing]部[bu]最[zui]初[chu]只[zhi]是[shi]一[yi]个[ge]简[jian]单[dan]的[de]用[yong]户[hu]渠[qu]道[dao]。然[ran]而[er],随[sui]着[zhou]产[chan]品[pin]更[geng]新[xin]换[huan]代[dai]速[su]度[du]的[de]加[jia]快[kuai]以[yi]及[ji]相[xiang]关[guan]互[hu]联[lian]网[wang]金[jin]融[rong]产[chan]品[pin]的[de]不[bu]断[duan]问[wen]世[shi],电[dian]子[zi]银[yin]行[xing]部[bu]已[yi]经[jing]逐[zhu]渐[jian]演[yan]变[bian]成[cheng]为[wei]了[liao]集[ji]产[chan]品[pin]研[yan]发[fa]、宣[xuan]传[chuan]等[deng]功[gong]能[nen]于[yu]一[yi]体[ti]的[de]一[yi]个[ge]综[zong]合[he]部[bu]门[men]。 针[zhen]对[dui]电[dian]子[zi]银[yin]行[xing]部[bu]门[men]的[de]角[jiao]色[se]定[ding]位[wei]等[deng]问[wen]题[ti],《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]近[jin]日[ri]对[dui]多[duo]位[wei]银[yin]行[xing]业[ye]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]进[jin]行[xing]了[liao]采[cai]访[fang],他[ta]们[men]透[tou]露[lu],电[dian]子[zi]银[yin]行[xing]部[bu]在[zai]银[yin]行[xing]中[zhong]的[de]地[di]位[wei]较[jiao]之[zhi]前[qian]的[de]确[que]有[you]所[suo]提[ti]升[sheng],但[dan]是[shi]也[ye]面[mian]临[lin]更[geng]大[da]的[de]压[ya]力[li]。此[ci]外[wai],因[yin]电[dian]子[zi]银[yin]行[xing]部[bu]功[gong]能[nen]尚[shang]处[chu]在[zai]逐[zhu]渐[jian]扩[kuo]张[zhang]阶[jie]段[duan],业[ye]界[jie]对[dui]其[qi]未[wei]来[lai]的[de]走[zou]势[shi]和[he]最[zui]终[zhong]架[jia]构[gou]仍[reng]存[cun]在[zai]一[yi]定[ding]分[fen]歧[qi]。 部[bu]门[men]由[you]单[dan]一[yi]渠[qu]道[dao]向[xiang]综[zong]合[he]职[zhi]能[nen]演[yan]变[bian] 某[mou]股[gu]份[fen]制[zhi]银[yin]行[xing]人[ren]士[shi]向[xiang]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]坦[tan]言[yan],“传[chuan]统[tong]的[de]电[dian]子[zi]银[yin]行[xing]部[bu]就[jiu]是[shi]一[yi]个[ge]渠[qu]道[dao],但[dan]现[xian]在[zai]由[you]于[yu]受[shou]到[dao]互[hu]联[lian]网[wang]金[jin]融[rong]冲[chong]击[ji],除[chu]了[liao]传[chuan]统[tong]的[de]渠[qu]道[dao]功[gong]能[nen]以[yi]外[wai],电[dian]子[zi]银[yin]行[xing]部[bu]门[men]也[ye]开[kai]始[shi]逐[zhu]渐[jian]承[cheng]担[dan]起[qi]了[liao]一[yi]定[ding]的[de]产[chan]品[pin]创[chuang]新[xin]和[he]研[yan]发[fa]职[zhi]能[nen]。以[yi]前[qian]电[dian]子[zi]银[yin]行[xing]部[bu]没[mei]有[you]营[ying]销[xiao]任[ren]务[wu],现[xian]在[zai]已[yi]经[jing]有[you]营[ying]销[xiao]、开[kai]发[fa]等[deng]任[ren]务[wu]。” 而[er]某[mou]股[gu]份[fen]制[zhi]银[yin]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]也[ye]表[biao]示[shi],他[ta]所[suo]在[zai]银[yin]行[xing]的[de]电[dian]子[zi]银[yin]行[xing]部[bu]已[yi]经[jing]由[you]中[zhong]后[hou]台[tai]服[fu]务[wu]部[bu]门[men]变[bian]成[cheng]了[liao]客[ke]户[hu]拓[tuo]展[zhan]、提[ti]升[sheng]服[fu]务[wu]的[de]一[yi]线[xian]部[bu]门[men]。 在[zai]某[mou]农[nong]商[shang]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]看[kan]来[lai],互[hu]联[lian]网[wang]金[jin]融[rong]带[dai]给[gei]电[dian]子[zi]银[yin]行[xing]部[bu]最[zui]大[da]的[de]变[bian]革[ge]是[shi]带[dai]来[lai]了[liao]一[yi]些[xie]理[li]念[nian]的[de]转[zhuan]变[bian],之[zhi]前[qian]银[yin]行[xing]并[bing]没[mei]有[you]如[ru]何[he]重[zhong]视[shi]这[zhe]个[ge]渠[qu]道[dao],互[hu]联[lian]网[wang]金[jin]融[rong]把[ba]电[dian]子[zi]银[yin]行[xing]部[bu]的[de]渠[qu]道[dao]优[you]势[shi]和[he]职[zhi]能[nen]发[fa]挥[hui]到[dao]了[liao]极[ji]致[zhi],而[er]且[qie]打[da]破[po]了[liao]客[ke]户[hu]壁[bi]垒[lei],利[li]用[yong]互[hu]联[lian]网[wang]打[da]破[po]了[liao]小[xiao]银[yin]行[xing]在[zai]物[wu]理[li]网[wang]点[dian]上[shang]的[de]局[ju]限[xian]性[xing]。 不[bu]过[guo],某[mou]大[da]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]则[ze]告[gao]诉[su]记[ji]者[zhe],“现[xian]在[zai]互[hu]联[lian]网[wang]炒[chao]作[zuo]太[tai]热[re],但[dan]电[dian]子[zi]银[yin]行[xing]对[dui]银[yin]行[xing]无[wu]非[fei]就[jiu]是[shi]一[yi]个[ge]产[chan]品[pin]销[xiao]售[shou]渠[qu]道[dao],现[xian]在[zai]还[huai]处[chu]于[yu]完[wan]善[shan]阶[jie]段[duan]电[dian]大[da]金[jin]融[rong]调[diao]查[cha]报[bao]告[gao]。虽[sui]然[ran]客[ke]户[hu]体[ti]验[yan]得[de]到[dao]了[liao]加[jia]强[qiang],但[dan]最[zui]主[zhu]要[yao]还[huai]是[shi]关[guan]注[zhu]其[qi]替[ti]代[dai]率[lv]。目[mu]前[qian],工[gong]、农[nong]、中[zhong]、建[jian]、交[jiao]、招[zhao]商[shang]等[deng]六[liu]银[yin]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]的[de]渠[qu]道[dao]交[jiao]易[yi]量[liang]占[zhan]比[bi]超[chao]过[guo]了[liao]柜[gui]台[tai]的[de]交[jiao]易[yi]量[liang],电[dian]子[zi]银[yin]行[xing]部[bu]承[cheng]担[dan]了[liao]维[wei]护[hu]这[zhe]些[xie]客[ke]户[hu]的[de]职[zhi]责[ze],但[dan]是[shi]实[shi]质[zhi]性[xing]的[de]变[bian]革[ge]尚[shang]未[wei]出[chu]现[xian]。” 某[mou]大[da]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]告[gao]诉[su]记[ji]者[zhe],目[mu]前[qian]电[dian]子[zi]银[yin]行[xing]部[bu]的[de]职[zhi]责[ze]主[zhu]要[yao]有[you]三[san]个[ge],第[di]一[yi]是[shi]管[guan]理[li]渠[qu]道[dao],毕[bi]竟[jing]有[you]过[guo]亿[yi]的[de]客[ke]户[hu]在[zai]上[shang]面[mian],其[qi]中[zhong]交[jiao]易[yi]量[liang]占[zhan]比[bi]、客[ke]户[hu]的[de]替[ti]代[dai]率[lv]是[shi]核[he]心[xin]的[de]指[zhi]标[biao],也[ye]是[shi]我[wo]们[men]做[zuo]大[da]做[zuo]强[qiang]的[de]基[ji]础[chu];第[di]二[er],研[yan]究[jiu]银[yin]行[xing]产[chan]品[pin]如[ru]何[he]在[zai]互[hu]联[lian]网[wang]销[xiao]售[shou];第[di]三[san],尝[chang]试[shi]做[zuo]一[yi]些[xie]互[hu]联[lian]网[wang]金[jin]融[rong]的[de]创[chuang]新[xin]产[chan]品[pin],但[dan]是[shi]规[gui]模[mo]份[fen]额[e]非[fei]常[chang]小[xiao]。 部[bu]分[fen]大[da]行[xing]拆[chai]分[fen]重[zhong]构[gou]电[dian]子[zi]银[yin]行[xing]部[bu] 电[dian]子[zi]银[yin]行[xing]业[ye]务[wu]未[wei]来[lai]地[di]位[wei]的[de]上[shang]升[sheng]似[si]乎[hu]成[cheng]为[wei]大[da]多[duo]数[shu]银[yin]行[xing]人[ren]士[shi]的[de]一[yi]致[zhi]看[kan]法[fa]。但[dan]是[shi],由[you]于[yu]电[dian]子[zi]银[yin]行[xing]部[bu]功[gong]能[nen]尚[shang]处[chu]在[zai]逐[zhu]渐[jian]扩[kuo]张[zhang]阶[jie]段[duan],因[yin]此[ci]其[qi]未[wei]来[lai]的[de]走[zou]势[shi]和[he]最[zui]终[zhong]架[jia]构[gou]在[zai]业[ye]内[na]仍[reng]存[cun]在[zai]一[yi]定[ding]分[fen]歧[qi]。 比[bi]如[ru],《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]注[zhu]意[yi]到[dao],在[zai]中[zhong]小[xiao]型[xing]银[yin]行[xing]逐[zhu]渐[jian]重[zhong]视[shi]电[dian]子[zi]银[yin]行[xing]业[ye]务[wu]的[de]同[tong]时[shi],一[yi]些[xie]大[da]行[xing]却[que]开[kai]始[shi]将[jiang]电[dian]子[zi]银[yin]行[xing]业[ye]务[wu]进[jin]行[xing]了[liao]拆[chai]分[fen]重[zhong]构[gou]。据[ju]记[ji]者[zhe]了[liao]解[jie],工[gong]行[xing]和[he]中[zhong]行[xing]的[de]最[zui]新[xin]组[zu]织[zhi]架[jia]构[gou]调[diao]整[zheng]方[fang]案[an],都[du]将[jiang]电[dian]子[zi]银[yin]行[xing]部[bu]的[de]渠[qu]道[dao]业[ye]务[wu]划[hua]分[fen]给[gei]了[liao]相[xiang]关[guan]渠[qu]道[dao]管[guan]理[li]部[bu]门[men]。 不[bu]过[guo],上[shang]述[shu]股[gu]份[fen]制[zhi]银[yin]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]则[ze]认[ren]为[wei],电[dian]子[zi]银[yin]行[xing]部[bu]门[men]会[hui]朝[chao]着[zhou]两[liang]个[ge]方[fang]向[xiang]发[fa]展[zhan]:一[yi]个[ge]是[shi]集[ji]网[wang]银[yin]、手[shou]机[ji]银[yin]行[xing]、POS管[guan]理[li]、微[wei]信[xin]等[deng]于[yu]一[yi]身[shen]的[de]渠[qu]道[dao]管[guan]理[li]部[bu];第[di]二[er]个[ge]是[shi]互[hu]联[lian]网[wang]金[jin]融[rong]部[bu],包[bao]括[kuo]直[zhi]销[xiao]银[yin]行[xing]、网[wang]上[shang]理[li]财[cai]、基[ji]金[jin]、PP等[deng]。 上[shang]述[shu]大[da]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]告[gao]诉[su]记[ji]者[zhe],银[yin]行[xing]大[da]力[li]发[fa]展[zhan]手[shou]机[ji]银[yin]行[xing]也[ye]是[shi]看[kan]中[zhong]了[liao]移[yi]动[dong]客[ke]户[hu]群[qun]流[liu]量[liang],但[dan]是[shi]未[wei]来[lai]移[yi]动[dong]端[duan]客[ke]户[hu]流[liu]量[liang]也[ye]会[hui]像[xiang]PC端[duan]一[yi]样[yang]遇[yu]到[dao]瓶[ping]颈[jing]。 《《《 钱[qian]包[bao]革[ge]命[ming] 各[ge]方[fang]发[fa]力[li]NFC支[zhi]付[fu]未[wei]来[lai]两[liang]年[nian]行[xing]业[ye]或[huo]迎[ying]爆[bao]发[fa]期[qi] 每[mei]经[jing]记[ji]者[zhe] 袁[yuan]君[jun] 发[fa]自[zi]上[shang]海[hai] 有[you]专[zhuan]家[jia]直[zhi]言[yan]不[bu]讳[hui]:“得[de]移[yi]动[dong]支[zhi]付[fu]者[zhe]得[de]天[tian]下[xia]。”为[wei]了[liao]争[zheng]夺[duo]移[yi]动[dong]支[zhi]付[fu]领[ling]域[yu]的[de]蛋[dan]糕[gao],传[chuan]统[tong]金[jin]融[rong]业[ye]的[de]大[da]佬[lao]们[men]自[zi]然[ran]不[bu]能[nen]输[shu]在[zai]起[qi]跑[pao]线[xian]上[shang]。于[yu]是[shi]乎[hu],不[bu]少[shao]银[yin]行[xing]这[zhe]几[ji]年[nian]在[zai]移[yi]动[dong]支[zhi]付[fu]方[fang]面[mian]掀[xia]起[qi]了[liao]一[yi]场[chang]“钱[qian]包[bao]革[ge]命[ming]”。目[mu]前[qian],已[yi]有[you]包[bao]括[kuo]工[gong]农[nong]中[zhong]建[jian]交[jiao]、招[zhao]行[xing]、浦[pu]发[fa]、光[guang]大[da]、中[zhong]信[xin]、兴[xing]业[ye]、南[nan]京[jing]银[yin]行[xing]等[deng]多[duo]家[jia]银[yin]行[xing]陆[lu]续[xu]推[tui]出[chu]手[shou]机[ji]钱[qian]包[bao]业[ye]务[wu]。 “现[xian]在[zai](手[shou]机[ji]钱[qian]包[bao])线[xian]下[xia]POS端[duan]硬[ying]件[jian]的[de]升[sheng]级[ji]已[yi]经[jing]差[cha]不[bu]多[duo]了[liao],但[dan]是[shi]商[shang]户[hu]还[huai]需[xu]要[yao]一[yi]段[duan]时[shi]间[jian]来[lai]进[jin]行[xing]习[xi]惯[guan]养[yang]成[cheng],不[bu]少[shao]收[shou]银[yin]员[yuan]也[ye]不[bu]知[zhi]道[dao]怎[zen]么[me]用[yong],会[hui]拒[ju]收[shou],认[ren]为[wei]有[you]风[feng]险[xian]。”某[mou]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]告[gao]诉[su]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe],“这[zhe]就[jiu]跟[gen]以[yi]前[qian]从[cong]付[fu]现[xian]金[jin]过[guo]渡[du]到[dao]刷[shua]银[yin]行[xing]卡[ka]一[yi]样[yang],现[xian]在[zai]是[shi]从[cong]刷[shua]卡[ka]过[guo]度[du]到[dao]刷[shua]手[shou]机[ji]。大[da]家[jia]需[xu]要[yao]一[yi]个[ge]习[xi]惯[guan]养[yang]成[cheng]的[de]过[guo]程[cheng]。” 银[yin]行[xing]、银[yin]联[lian]、电[dian]信[xin]运[yun]营[ying]商[shang]三[san]方[fang]博[bo]弈[yi] 所[suo]谓[wei]“手[shou]机[ji]钱[qian]包[bao]”,是[shi]指[zhi]基[ji]于[yu]NFC技[ji]术[shu]的[de]手[shou]机[ji]近[jin]场[chang]支[zhi]付[fu],就[jiu]是[shi]在[zai]手[shou]机[ji]里[li]预[yu]设[she]一[yi]个[ge]“电[dian]子[zi]钱[qian]包[bao]”,一[yi]般[ban]银[yin]行[xing]设[she]为[wei]元[yuan]以[yi]下[xia]。用[yong]户[hu]可[ke]在[zai]全[quan]国[guo]各[ge]类[lei]消[xiao]费[fei]场[chang]所[suo]带[dai]有[you]银[yin]联[lian]“闪[shan]付[fu]”标[biao]识[shi]的[de]POS机[ji]具[ju]上[shang]使[shi]用[yong],只[zhi]需[xu]将[jiang]开[kai]通[tong]“手[shou]机[ji]钱[qian]包[bao]”功[gong]能[nen]的[de]手[shou]机[ji]靠[kao]近[jin]“闪[shan]付[fu]”感[gan]应[ying]区[qu]域[yu]一[yi]刷[shua]即[ji]可[ke]。当[dang]“手[shou]机[ji]钱[qian]包[bao]”钱[qian]不[bu]够[gou]时[shi],可[ke]以[yi]从[cong]银[yin]行[xing]账[zhang]户[hu]里[li]将[jiang]电[dian]子[zi]现[xian]金[jin]“圈[quan]存[cun]”过[guo]来[lai]。 事[shi]实[shi]上[shang],目[mu]前[qian]已[yi]有[you]包[bao]括[kuo]工[gong]农[nong]中[zhong]建[jian]交[jiao]、招[zhao]行[xing]、浦[pu]发[fa]、光[guang]大[da]、中[zhong]信[xin]、兴[xing]业[ye]、南[nan]京[jing]银[yin]行[xing]等[deng]多[duo]家[jia]银[yin]行[xing]陆[lu]续[xu]推[tui]出[chu]手[shou]机[ji]钱[qian]包[bao]业[ye]务[wu]。移[yi]动[dong]、联[lian]通[tong]、电[dian]信[xin]三[san]大[da]运[yun]营[ying]商[shang]也[ye]先[xian]后[hou]发[fa]布[bu]了[liao]自[zi]己[ji]的[de]“手[shou]机[ji]钱[qian]包[bao]”平[ping]台[tai]。 与[yu]此[ci]同[tong]时[shi],银[yin]联[lian]携[xie]手[shou]中[zhong]国[guo]移[yi]动[dong]搭[da]建[jian]了[liao]TSM(全[quan]面[mian]维[wei]护[hu]系[xi]统[tong])平[ping]台[tai],目[mu]前[qian]已[yi]经[jing]接[jie]入[ru]家[jia]全[quan]国[guo]性[xing]银[yin]行[xing],余[yu]家[jia]区[qu]域[yu]性[xing]银[yin]行[xing]。而[er]年[nian]银[yin]联[lian]则[ze]计[ji]划[hua]完[wan]成[cheng]家[jia]成[cheng]员[yuan]银[yin]行[xing]的[de]接[jie]入[ru]。 如[ru]此[ci]交[jiao]叉[cha]错[cuo]综[zong]的[de]合[he]作[zuo]关[guan]系[xi]网[wang]背[bei]后[hou],是[shi]各[ge]界[jie]巨[ju]头[tou]在[zai]NFC近[jin]场[chang]支[zhi]付[fu]领[ling]域[yu]的[de]市[shi]场[chang]争[zheng]夺[duo]。不[bu]论[lun]是[shi]银[yin]行[xing]、电[dian]信[xin]运[yun]营[ying]商[shang]还[huai]是[shi]银[yin]联[lian],都[du]在[zai]多[duo]管[guan]齐[qi]下[xia],争[zheng]夺[duo]移[yi]动[dong]互[hu]联[lian]端[duan]的[de]入[ru]口[kou]。 对[dui]于[yu]银[yin]行[xing]、银[yin]联[lian]和[he]运[yun]营[ying]商[shang]三[san]者[zhe]之[zhi]间[jian]的[de]竞[jing]争[zheng],某[mou]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]向[xiang]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]表[biao]示[shi],在[zai]NFC业[ye]务[wu]的[de]实[shi]现[xian]过[guo]程[cheng]中[zhong]大[da]家[jia]还[huai]是[shi]分[fen]工[gong]合[he]作[zuo]的[de],因[yin]为[wei]基[ji]础[chu]性[xing]的[de]工[gong]作[zuo]需[xu]要[yao]这[zhe]个[ge]产[chan]业[ye]链[lian]的[de]各[ge]方[fang]来[lai]合[he]作[zuo]完[wan]成[cheng],“银[yin]行[xing]、银[yin]联[lian]和[he]运[yun]营[ying]商[shang]不[bu]可[ke]能[nen]独[du]自[zi]把[ba]各[ge]个[ge]环[huan]节[jie]都[du]做[zuo]了[liao]。” 相[xiang]关[guan]技[ji]术[shu]仍[reng]有[you]待[dai]提[ti]升[sheng] 未[wei]来[lai]的[de]理[li]想[xiang]状[zhuang]态[tai]是[shi],人[ren]们[men]将[jiang]不[bu]再[zai]需[xu]要[yao]通[tong]过[guo]银[yin]行[xing]卡[ka]或[huo]是[shi]现[xian]金[jin]进[jin]行[xing]消[xiao]费[fei],只[zhi]要[yao]一[yi]部[bu]手[shou]机[ji]就[jiu]可[ke]以[yi]统[tong]统[tong]搞[gao]定[ding]。但[dan]实[shi]现[xian]“闪[shan]付[fu]”这[zhe]一[yi]系[xi]列[lie]的[de]操[cao]作[zuo]虽[sui]然[ran]并[bing]不[bu]过[guo]于[yu]复[fu]杂[za],但[dan]对[dui]普[pu]通[tong]用[yong]户[hu]来[lai]讲[jiang]仍[reng]存[cun]在[zai]一[yi]定[ding]门[men]槛[jian],不[bu]仅[jin]是[shi]银[yin]行[xing]、运[yun]营[ying]商[shang]、银[yin]联[lian]三[san]者[zhe]之[zhi]间[jian]的[de]合[he]作[zuo]博[bo]弈[yi],理[li]想[xiang]状[zhuang]态[tai]的[de]实[shi]现[xian]还[huai]有[you]赖[lai]于[yu]商[shang]户[hu]与[yu]消[xiao]费[fei]者[zhe]习[xi]惯[guan]的[de]改[gai]变[bian]。 “现[xian]在[zai](手[shou]机[ji]钱[qian]包[bao])线[xian]下[xia]POS端[duan]硬[ying]件[jian]的[de]升[sheng]级[ji]已[yi]经[jing]差[cha]不[bu]多[duo]了[liao],但[dan]是[shi]商[shang]户[hu]还[huai]需[xu]要[yao]一[yi]段[duan]时[shi]间[jian]来[lai]进[jin]行[xing]习[xi]惯[guan]养[yang]成[cheng],不[bu]少[shao]收[shou]银[yin]员[yuan]也[ye]不[bu]知[zhi]道[dao]怎[zen]么[me]用[yong],会[hui]拒[ju]收[shou],认[ren]为[wei]有[you]风[feng]险[xian]。”某[mou]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]告[gao]诉[su]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe],“这[zhe]就[jiu]跟[gen]以[yi]前[qian]从[cong]付[fu]现[xian]金[jin]过[guo]渡[du]到[dao]刷[shua]银[yin]行[xing]卡[ka]一[yi]样[yang],现[xian]在[zai]是[shi]从[cong]刷[shua]卡[ka]过[guo]度[du]到[dao]刷[shua]手[shou]机[ji]。大[da]家[jia]需[xu]要[yao]一[yi]个[ge]习[xi]惯[guan]养[yang]成[cheng]的[de]过[guo]程[cheng]。” 这[zhe]也[ye]是[shi]NFC近[jin]场[chang]支[zhi]付[fu]推[tui]出[chu]多[duo]年[nian]但[dan]一[yi]直[zhi]进[jin]展[zhan]缓[huan]慢[man]的[de]一[yi]个[ge]主[zhu]要[yao]原[yuan]因[yin]。“究[jiu]其[qi]根[gen]本[ben]就[jiu]在[zai]于[yu]这[zhe]个[ge]业[ye]务[wu]涉[she]及[ji]的[de]产[chan]业[ye]链[lian]太[tai]长[chang],首[shou]先[xian]手[shou]机[ji]必[bi]须[xu]要[yao]具[ju]备[bei]NFC功[gong]能[nen],其[qi]次[ci]SIM卡[ka]要[yao]和[he]银[yin]行[xing]卡[ka]绑[bang]定[ding],此[ci]外[wai]线[xian]下[xia]POS终[zhong]端[duan]也[ye]要[yao]做[zuo]相[xiang]应[ying]升[sheng]级[ji]。”上[shang]述[shu]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]表[biao]示[shi]。另[ling]外[wai],“目[mu]前[qian]手[shou]机[ji]APP是[shi]有[you]容[rong]量[liang]限[xian]制[zhi]的[de],NFC支[zhi]付[fu]功[gong]能[nen]在[zai]绑[bang]定[ding]了[liao]一[yi]张[zhang]银[yin]行[xing]卡[ka]之[zhi]后[hou],再[zai]装[zhuang]第[di]二[er]张[zhang]卡[ka]就[jiu]不[bu]稳[wen]定[ding]了[liao]。因[yin]此[ci],目[mu]前[qian]还[huai]没[mei]有[you]出[chu]现[xian]真[zhen]正[zheng]意[yi]义[yi]上[shang]成[cheng]功[gong]的[de]手[shou]机[ji]钱[qian]包[bao]。”上[shang]述[shu]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]表[biao]示[shi]。 《《《 发[fa]展[zhan]现[xian]状[zhuang] APP成[cheng]银[yin]行[xing]“新[xin]门[men]户[hu]”社[she]交[jiao]功[gong]能[nen]尚[shang]显[xian]简[jian]单[dan] 每[mei]经[jing]记[ji]者[zhe] 袁[yuan]君[jun] 发[fa]自[zi]上[shang]海[hai] 在[zai]移[yi]动[dong]金[jin]融[rong]时[shi]代[dai],APP客[ke]户[hu]端[duan]俨[yan]然[ran]成[cheng]为[wei]商[shang]业[ye]银[yin]行[xing]的[de]“新[xin]门[men]户[hu]”。除[chu]将[jiang]传[chuan]统[tong]PC网[wang]银[yin]端[duan]的[de]服[fu]务[wu]转[zhuan]移[yi]到[dao]移[yi]动[dong]手[shou]机[ji]端[duan]外[wai],现[xian]在[zai]的[de]商[shang]业[ye]银[yin]行[xing]APP正[zheng]在[zai]聚[ju]拢[long]并[bing]整[zheng]合[he]越[yue]来[lai]越[yue]多[duo]的[de]功[gong]能[nen]。如[ru]工[gong]商[shang]银[yin]行[xing]手[shou]机[ji]银[yin]行[xing]APP就[jiu]提[ti]供[gong]了[liao]买[mai]电[dian]影[ying]票[piao]、订[ding]飞[fei]机[ji]票[piao]、手[shou]机[ji]充[chong]值[zhi]、医[yi]院[yuan]挂[gua]号[hao]查[cha]询[xun]、商[shang]户[hu]优[you]惠[hui]活[huo]动[dong]等[deng]生[sheng]活[huo]社[she]交[jiao]服[fu]务[wu]。 不[bu]过[guo],在[zai]专[zhuan]业[ye]人[ren]士[shi]看[kan]来[lai],有[you]专[zhuan]业[ye]的[de]金[jin]融[rong]服[fu]务[wu]以[yi]及[ji]吸[xi]引[yin]眼[yan]球[qiu]的[de]社[she]交[jiao]功[gong]能[nen]还[huai]不[bu]够[gou]。艾[ai]瑞[rui]咨[zi]询[xun]高[gao]级[ji]分[fen]析[xi]师[shi]王[wang]维[wei]东[dong]告[gao]诉[su] 《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe],发[fa]展[zhan]移[yi]动[dong]金[jin]融[rong]的[de]核[he]心[xin]意[yi]义[yi]在[zai]于[yu]提[ti]供[gong]更[geng]为[wei]便[bian]捷[jie]的[de]服[fu]务[wu],但[dan]目[mu]前[qian]大[da]多[duo]数[shu]的[de]银[yin]行[xing]APP客[ke]户[hu]端[duan]还[huai]停[ting]留[liu]在[zai]对[dui]电[dian]子[zi]银[yin]行[xing]业[ye]务[wu]的[de]简[jian]单[dan]复[fu]制[zhi]上[shang]。 多[duo]家[jia]银[yin]行[xing]推[tui]手[shou]机[ji]专[zhuan]享[xiang]理[li]财[cai]品[pin] 手[shou]机[ji]银[yin]行[xing]客[ke]户[hu]端[duan]已[yi]成[cheng]为[wei]大[da]多[duo]数[shu]商[shang]业[ye]银[yin]行[xing]的[de]标[biao]配[pei],不[bu]同[tong]于[yu]过[guo]去[qu]的[de]银[yin]行[xing]APP仅[jin]提[ti]供[gong]查[cha]询[xun]、转[zhuan]账[zhang]等[deng]网[wang]银[yin]端[duan]功[gong]能[nen],现[xian]在[zai]的[de]手[shou]机[ji]银[yin]行[xing]APP提[ti]供[gong]的[de]金[jin]融[rong]服[fu]务[wu]更[geng]加[jia]丰[feng]富[fu]而[er]便[bian]捷[jie]。 在[zai]传[chuan]统[tong]项[xiang]目[mu]——转[zhuan]账[zhang]方[fang]面[mian],输[shu]入[ru]收[shou]款[kuan]人[ren]手[shou]机[ji]号[hao]就[jiu]可[ke]以[yi]进[jin]行[xing]本[ben]行[xing]转[zhuan]账[zhang]、跨[kua]行[xing]汇[hui]款[kuan]以[yi]及[ji]活[huo]期[qi]和[he]定[ding]期[qi]互[hu]转[zhuan]。为[wei]了[liao]推[tui]广[guang]手[shou]机[ji]银[yin]行[xing]APP,目[mu]前[qian]不[bu]少[shao]银[yin]行[xing]的[de]行[xing]内[na]转[zhuan]账[zhang]和[he]跨[kua]行[xing]转[zhuan]账[zhang]都[du]免[mian]手[shou]续[xu]费[fei]。如[ru]兴[xing]业[ye]银[yin]行[xing]规[gui]定[ding],目[mu]前[qian]通[tong]过[guo]手[shou]机[ji]银[yin]行[xing]APP进[jin]行[xing]行[xing]内[na]或[huo]跨[kua]行[xing]转[zhuan]账[zhang]都[du]可[ke]免[mian]手[shou]续[xu]费[fei],其[qi]中[zhong]异[yi]地[di]普[pu]通[tong]跨[kua]行[xing]转[zhuan]账[zhang]优[you]惠[hui]减[jian]免[mian]时[shi]间[jian]至[zhi]年[nian]月[yue]日[ri]。此[ci]外[wai],除[chu]账[zhang]户[hu]查[cha]询[xun]、转[zhuan]账[zhang]汇[hui]款[kuan]等[deng]传[chuan]统[tong]网[wang]银[yin]端[duan]项[xiang]目[mu]之[zhi]外[wai],银[yin]行[xing]们[men]也[ye]在[zai]把[ba]越[yue]来[lai]越[yue]多[duo]的[de]金[jin]融[rong]服[fu]务[wu]搬[ban]到[dao]手[shou]机[ji]银[yin]行[xing]APP,贵[gui]金[jin]属[shu]业[ye]务[wu]、基[ji]金[jin]代[dai]销[xiao]、理[li]财[cai]产[chan]品[pin],甚[shen]至[zhi]是[shi]融[rong]资[zi]贷[dai]款[kuan],都[du]可[ke]在[zai]手[shou]机[ji]银[yin]行[xing]APP上[shang]进[jin]行[xing]。 在[zai]投[tou]资[zi]理[li]财[cai]方[fang]面[mian],不[bu]少[shao]银[yin]行[xing]还[huai]设[she]计[ji]了[liao]手[shou]机[ji]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin],而[er]且[qie]其[qi]收[shou]益[yi]会[hui]略[lue]高[gao]于[yu]线[xian]下[xia]购[gou]买[mai]的[de]普[pu]通[tong]理[li]财[cai]产[chan]品[pin]。如[ru]建[jian]行[xing]发[fa]售[shou]的[de]一[yi]款[kuan]名[ming]为[wei]“乾[qian]元[yuan]-共[gong]享[xiang]型[xing]”系[xi]列[lie]的[de]短[duan]期[qi]手[shou]机[ji]银[yin]行[xing]专[zhuan]享[xiang]理[li]财[cai]产[chan]品[pin],发[fa]行[xing]期[qi]间[jian]客[ke]户[hu]可[ke]小[xiao]时[shi]通[tong]过[guo]手[shou]机[ji]银[yin]行[xing]进[jin]行[xing]认[ren]购[gou]。 为[wei]了[liao]拓[tuo]宽[kuan]客[ke]户[hu]群[qun],直[zhi]销[xiao]银[yin]行[xing]一[yi]时[shi]成[cheng]为[wei]不[bu]少[shao]银[yin]行[xing]吸[xi]揽[lan]客[ke]户[hu]的[de]利[li]器[qi]。目[mu]前[qian],已[yi]有[you]民[min]生[sheng]银[yin]行[xing]、兴[xing]业[ye]银[yin]行[xing]、上[shang]海[hai]银[yin]行[xing]、河[he]北[bei]银[yin]行[xing]等[deng]股[gu]份[fen]行[xing]和[he]城[cheng]商[shang]行[xing]正[zheng]式[shi]推[tui]出[chu]面[mian]向[xiang]本[ben]行[xing]及[ji]他[ta]行[xing]客[ke]户[hu]的[de]直[zhi]销[xiao]银[yin]行[xing]手[shou]机[ji]APP。 就[jiu]目[mu]前[qian]的[de]情[qing]况[kuang]而[er]言[yan],大[da]多[duo]数[shu]直[zhi]销[xiao]银[yin]行[xing]APP上[shang]线[xian]的[de]主[zhu]要[yao]是[shi]以[yi]货[huo]币[bi]基[ji]金[jin]、存[cun]款[kuan]等[deng]产[chan]品[pin]为[wei]主[zhu]。比[bi]较[jiao]不[bu]同[tong]的[de]是[shi]兴[xing]业[ye]银[yin]行[xing]推[tui]出[chu]的[de]直[zhi]销[xiao]银[yin]行[xing],该[gai]直[zhi]销[xiao]银[yin]行[xing]嵌[qian]入[ru]在[zai]该[gai]行[xing]手[shou]机[ji]银[yin]行[xing]APP内[na],除[chu]了[liao]提[ti]供[gong]定[ding]期[qi]存[cun]款[kuan]、基[ji]金[jin]代[dai]销[xiao]、货[huo]币[bi]基[ji]金[jin]“兴[xing]业[ye]宝[bao]”三[san]款[kuan]产[chan]品[pin],还[huai]可[ke]直[zhi]接[jie]购[gou]买[mai]其[qi]他[ta]理[li]财[cai]产[chan]品[pin]。并[bing]且[qie],他[ta]行[xing]客[ke]户[hu]在[zai]兴[xing]业[ye]银[yin]行[xing]直[zhi]销[xiao]银[yin]行[xing]上[shang]无[wu]需[xu]注[zhu]册[ce]和[he]登[deng]录[lu],便[bian]可[ke]直[zhi]接[jie]购[gou]买[mai]理[li]财[cai]产[chan]品[pin]。 不[bu]过[guo],记[ji]者[zhe]注[zhu]意[yi]到[dao],按[an]照[zhao]相[xiang]关[guan]规[gui]定[ding],客[ke]户[hu]“首[shou]次[ci]购[gou]买[mai]银[yin]行[xing]理[li]财[cai]产[chan]品[pin]需[xu]要[yao]面[mian]签[qian]”,这[zhe]或[huo]许[xu]会[hui]对[dui]银[yin]行[xing]理[li]财[cai]产[chan]品[pin]在[zai]手[shou]机[ji]APP端[duan]的[de]推[tui]广[guang]形[xing]成[cheng]一[yi]定[ding]制[zhi]约[yue]。 银[yin]行[xing]不[bu]再[zai]局[ju]限[xian]于[yu]传[chuan]统[tong]业[ye]务[wu] 移[yi]动[dong]互[hu]联[lian]网[wang]正[zheng]迅[xun]速[su]改[gai]变[bian]传[chuan]统[tong]金[jin]融[rong]服[fu]务[wu]的[de]方[fang]式[shi]。在[zai]手[shou]机[ji]银[yin]行[xing]APP中[zhong],除[chu]了[liao]银[yin]行[xing]最[zui]在[zai]行[xing]的[de]专[zhuan]业[ye]金[jin]融[rong]服[fu]务[wu],“还[huai]有[you]一[yi]块[kuai]就[jiu]是[shi]做[zuo]手[shou]机[ji]社[she]交[jiao]功[gong]能[nen],包[bao]括[kuo]手[shou]机[ji]充[chong]值[zhi]、特[te]惠[hui]商[shang]户[hu],网[wang]点[dian]预[yu]约[yue]等[deng]等[deng]。有[you]些[xie]银[yin]行[xing]还[huai]会[hui]推[tui]出[chu]很[hen]多[duo]优[you]惠[hui]促[chun]销[xiao]的[de]活[huo]动[dong],目[mu]的[de]就[jiu]在[zai]于[yu]吸[xi]引[yin]客[ke]户[hu]去[qu]使[shi]用[yong]APP,扩[kuo]大[da]流[liu]量[liang],同[tong]时[shi]也[ye]增[zeng]强[qiang]客[ke]户[hu]粘[zhan]性[xing]。”上[shang]述[shu]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]表[biao]示[shi]。 此[ci]外[wai],随[sui]着[zhou]G、G技[ji]术[shu]的[de]发[fa]展[zhan]和[he]智[zhi]能[nen]手[shou]机[ji]的[de]普[pu]及[ji],手[shou]机[ji]银[yin]行[xing]的[de]服[fu]务[wu]范[fan]围[wei]、业[ye]务[wu]功[gong]能[nen]和[he]发[fa]展[zhan]定[ding]位[wei]都[du]发[fa]生[sheng]了[liao]很[hen]大[da]的[de]变[bian]化[hua],不[bu]再[zai]只[zhi]是[shi]局[ju]限[xian]于[yu]提[ti]供[gong]传[chuan]统[tong]意[yi]义[yi]上[shang]的[de]银[yin]行[xing]业[ye]务[wu]。 实[shi]际[ji]上[shang],商[shang]业[ye]银[yin]行[xing]的[de]APP客[ke]户[hu]端[duan]正[zheng]在[zai]将[jiang]传[chuan]统[tong]银[yin]行[xing]业[ye]务[wu]、移[yi]动[dong]支[zhi]付[fu]、电[dian]子[zi]商[shang]务[wu]、生[sheng]活[huo]服[fu]务[wu]等[deng]各[ge]个[ge]方[fang]面[mian]的[de]内[na]容[rong]囊[nan]括[kuo]其[qi]中[zhong]。如[ru]工[gong]商[shang]银[yin]行[xing]手[shou]机[ji]银[yin]行[xing]APP就[jiu]提[ti]供[gong]买[mai]电[dian]影[ying]票[piao]、订[ding]飞[fei]机[ji]票[piao]、手[shou]机[ji]充[chong]值[zhi]、医[yi]院[yuan]挂[gua]号[hao]查[cha]询[xun]、商[shang]户[hu]优[you]惠[hui]活[huo]动[dong]等[deng]生[sheng]活[huo]社[she]交[jiao]服[fu]务[wu]。 不[bu]过[guo],在[zai]专[zhuan]业[ye]人[ren]士[shi]看[kan]来[lai],有[you]专[zhuan]业[ye]的[de]金[jin]融[rong]服[fu]务[wu]以[yi]及[ji]吸[xi]引[yin]人[ren]的[de]社[she]交[jiao]功[gong]能[nen]还[huai]不[bu]够[gou]。艾[ai]瑞[rui]咨[zi]询[xun]高[gao]级[ji]分[fen]析[xi]师[shi]王[wang]维[wei]东[dong]告[gao]诉[su]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe],发[fa]展[zhan]移[yi]动[dong]金[jin]融[rong]的[de]核[he]心[xin]意[yi]义[yi]在[zai]于[yu]提[ti]供[gong]更[geng]为[wei]便[bian]捷[jie]的[de]服[fu]务[wu],但[dan]目[mu]前[qian]大[da]多[duo]数[shu]的[de]银[yin]行[xing]APP客[ke]户[hu]端[duan]还[huai]停[ting]留[liu]在[zai]对[dui]电[dian]子[zi]银[yin]行[xing]业[ye]务[wu]的[de]简[jian]单[dan]复[fu]制[zhi]上[shang]。 《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]注[zhu]意[yi]到[dao],银[yin]行[xing]APP们[men]正[zheng]在[zai]朝[chao]着[zhou]这[zhe]个[ge]方[fang]向[xiang]努[nu]力[li],以[yi]部[bu]分[fen]银[yin]行[xing]APP中[zhong]的[de]手[shou]机[ji]排[pai]号[hao]功[gong]能[nen]为[wei]例[li],客[ke]户[hu]可[ke]通[tong]过[guo]手[shou]机[ji]在[zai]线[xian]申[shen]请[qing]排[pai]号[hao],并[bing]实[shi]时[shi]了[liao]解[jie]银[yin]行[xing]排[pai]队[dui]的[de]情[qing]况[kuang],准[zhun]确[que]掌[zhang]握[wo]时[shi]间[jian]以[yi]提[ti]高[gao]效[xiao]率[lv]。 对[dui]此[ci],王[wang]维[wei]东[dong]亦[yi]表[biao]示[shi],“类[lei]似[si]这[zhe]样[yang]将[jiang]的[de]线[xian]上[shang]和[he]线[xian]下[xia]服[fu]务[wu]结[jie]合[he]的[de]方[fang]式[shi]就[jiu]很[hen]好[hao]地[di]显[xian]示[shi]了[liao]移[yi]动[dong]金[jin]融[rong]的[de]价[jia]值[zhi]。” 《《《 另[ling]类[lei]布[bu]局[ju] APP注[zhu]重[zhong]“小[xiao]而[er]美[mei]”银[yin]行[xing]低[di]调[diao]布[bu]局[ju]二[er]维[wei]码[ma] 每[mei]经[jing]记[ji]者[zhe] 袁[yuan]君[jun] 发[fa]自[zi]上[shang]海[hai] 当[dang]大[da]而[er]全[quan]的[de]手[shou]机[ji]银[yin]行[xing]APP不[bu]断[duan]加[jia]载[zai]创[chuang]新[xin]衍[yan]生[sheng]出[chu]来[lai]的[de]服[fu]务[wu]时[shi],亦[yi]有[you]不[bu]少[shao]银[yin]行[xing]开[kai]始[shi]专[zhuan]注[zhu]于[yu]去[qu]做[zuo]一[yi]些[xie]“小[xiao]而[er]美[mei]”的[de]应[ying]用[yong]。某[mou]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]对[dui]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]表[biao]示[shi],现[xian]在[zai]的[de]一[yi]个[ge]趋[qu]势[shi]是[shi],大[da]家[jia]开[kai]始[shi]追[zhui]求[qiu]一[yi]些[xie]小[xiao]而[er]美[mei]的[de]应[ying]用[yong]。 “手[shou]机[ji]银[yin]行[xing]的[de]功[gong]能[nen]多[duo]了[liao],对[dui]它[ta]的[de]技[ji]术[shu]和[he]安[an]全[quan]要[yao]求[qiu]也[ye]比[bi]较[jiao]高[gao]。现[xian]在[zai]我[wo]们[men]将[jiang]手[shou]机[ji]银[yin]行[xing]功[gong]能[nen]进[jin]行[xing]了[liao]拆[chai]分[fen],就[jiu]像[xiang]民[min]生[sheng]银[yin]行[xing]的[de]直[zhi]销[xiao]银[yin]行[xing]APP,就[jiu]三[san]个[ge]功[gong]能[nen]。”上[shang]述[shu]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]表[biao]示[shi]。 另[ling]外[wai]一[yi]个[ge]设[she]计[ji]理[li]念[nian]的[de]变[bian]化[hua]是[shi],OO的[de]移[yi]动[dong]属[shu]性[xing]也[ye]在[zai]越[yue]来[lai]越[yue]多[duo]地[di]得[de]到[dao]应[ying]用[yong]。例[li]如[ru],在[zai]年[nian]初[chu]央[yang]行[xing]紧[jin]急[ji]“暂[zan]停[ting]”二[er]维[wei]码[ma]支[zhi]付[fu]之[zhi]后[hou],银[yin]行[xing]们[men]在[zai]二[er]维[wei]码[ma]支[zhi]付[fu]上[shang]的[de]布[bu]局[ju]就[jiu]仍[reng]在[zai]低[di]调[diao]进[jin]行[xing]。 “小[xiao]而[er]美[mei]”APP提[ti]供[gong]更[geng]专[zhuan]业[ye]服[fu]务[wu] 近[jin]日[ri],建[jian]设[she]银[yin]行[xing]上[shang]海[hai]分[fen]行[xing]推[tui]出[chu]主[zhu]打[da]服[fu]务[wu]的[de]个[ge]人[ren]金[jin]融[rong]服[fu]务[wu]体[ti]验[yan]平[ping]台[tai]——“建[jian]行[xing]财[cai]管[guan]家[jia]APP”,在[zai]众[zhong]多[duo]功[gong]能[nen]大[da]而[er]全[quan]的[de]手[shou]机[ji]银[yin]行[xing]APP中[zhong],其[qi]功[gong]能[nen]和[he]定[ding]位[wei]显[xian]得[de]与[yu]众[zhong]不[bu]同[tong]。这[zhe]是[shi]一[yi]款[kuan]仅[jin]为[wei]客[ke]户[hu]提[ti]供[gong]售[shou]前[qian]预[yu]告[gao]、售[shou]后[hou]服[fu]务[wu]、传[chuan]递[di]金[jin]融[rong]知[zhi]识[shi]和[he]资[zi]讯[xun]服[fu]务[wu]的[de]应[ying]用[yong]软[ruan]件[jian]。值[zhi]得[de]注[zhu]意[yi]的[de]是[shi],该[gai]款[kuan]APP是[shi]由[you]建[jian]行[xing]上[shang]海[hai]分[fen]行[xing]的[de]个[ge]人[ren]金[jin]融[rong]部[bu]设[she]计[ji]并[bing]负[fu]责[ze]运[yun]营[ying],目[mu]前[qian]只[zhi]在[zai]上[shang]海[hai]地[di]区[qu]推[tui]广[guang]使[shi]用[yong]。 对[dui]于[yu]为[wei]何[he]推[tui]出[chu]这[zhe]样[yang]一[yi]款[kuan]受[shou]众[zhong]“狭[xia]窄[zhai]”的[de]手[shou]机[ji]APP,建[jian]行[xing]上[shang]海[hai]市[shi]分[fen]行[xing]个[ge]人[ren]金[jin]融[rong]部[bu]副[fu]总[zong]经[jing]理[li]汪[wang]海[hai]告[gao]诉[su] 《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe],“现[xian]在[zai]的[de]网[wang]上[shang]银[yin]行[xing]、手[shou]机[ji]银[yin]行[xing],看[kan]似[si]花[hua]样[yang]繁[fan]多[duo],但[dan]它[ta]们[men]解[jie]决[jue]的[de]大[da]都[du]是[shi]交[jiao]易[yi]问[wen]题[ti],主[zhu]要[yao]是[shi]节[jie]省[sheng]费[fei]率[lv],降[jiang]低[di]交[jiao]易[yi]成[cheng]本[ben]。如[ru]果[guo]说[shuo]交[jiao]易[yi]功[gong]能[nen]是[shi]全[quan]国[guo]统[tong]一[yi]的[de],那[na]么[me]信[xin]息[xi]服[fu]务[wu]功[gong]能[nen]则[ze]带[dai]有[you]很[hen]强[qiang]的[de]地[di]域[yu]属[shu]性[xing]。” 某[mou]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]在[zai]接[jie]受[shou]《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe]采[cai]访[fang]时[shi]表[biao]示[shi],现[xian]在[zai]的[de]一[yi]个[ge]趋[qu]势[shi]是[shi],大[da]家[jia]开[kai]始[shi]追[zhui]求[qiu]一[yi]些[xie]小[xiao]而[er]美[mei]的[de]应[ying]用[yong]。“手[shou]机[ji]银[yin]行[xing]的[de]功[gong]能[nen]多[duo]了[liao],对[dui]它[ta]的[de]技[ji]术[shu]和[he]安[an]全[quan]要[yao]求[qiu]也[ye]比[bi]较[jiao]高[gao]。现[xian]在[zai]我[wo]们[men]将[jiang]手[shou]机[ji]银[yin]行[xing]功[gong]能[nen]进[jin]行[xing]了[liao]拆[chai]分[fen],就[jiu]像[xiang]民[min]生[sheng]银[yin]行[xing]的[de]直[zhi]销[xiao]银[yin]行[xing]APP,就[jiu]三[san]个[ge]功[gong]能[nen]。” “小[xiao]而[er]美[mei]”的[de]银[yin]行[xing]APP不[bu]仅[jin]能[nen]为[wei]客[ke]户[hu]带[dai]来[lai]更[geng]加[jia]美[mei]好[hao]的[de]用[yong]户[hu]体[ti]验[yan],也[ye]在[zai]显[xian]得[de]更[geng]加[jia]专[zhuan]业[ye]化[hua]、有[you]针[zhen]对[dui]性[xing]。民[min]生[sheng]银[yin]行[xing]今[jin]年[nian]初[chu]推[tui]出[chu]的[de]直[zhi]销[xiao]银[yin]行[xing]APP,到[dao]目[mu]前[qian]也[ye]仅[jin]推[tui]出[chu]“如[ru]意[yi]宝[bao]”“随[sui]心[xin]存[cun]”“轻[qing]松[song]汇[hui]”三[san]款[kuan]以[yi]货[huo]币[bi]基[ji]金[jin]、定[ding]存[cun]以[yi]及[ji]汇[hui]款[kuan]转[zhuan]账[zhang]为[wei]特[te]色[se]的[de]产[chan]品[pin]。兴[xing]业[ye]银[yin]行[xing]同[tong]业[ye]部[bu]门[men]设[she]计[ji]运[yun]营[ying]的[de]“钱[qian]大[da]掌[zhang]柜[gui]”也[ye]仅[jin]专[zhuan]注[zhu]于[yu]投[tou]资[zi]理[li]财[cai]方[fang]面[mian]的[de]业[ye]务[wu],如[ru]售[shou]卖[mai]理[li]财[cai]产[chan]品[pin]、货[huo]币[bi]基[ji]金[jin]等[deng]。 低[di]调[diao]布[bu]局[ju]二[er]维[wei]码[ma] 另[ling]外[wai]一[yi]个[ge]设[she]计[ji]理[li]念[nian]的[de]变[bian]化[hua]是[shi],OO的[de]移[yi]动[dong]属[shu]性[xing]也[ye]在[zai]越[yue]来[lai]越[yue]多[duo]地[di]得[de]到[dao]应[ying]用[yong]。 今[jin]年[nian]年[nian]初[chu],以[yi]支[zhi]付[fu]宝[bao]、腾[teng]讯[xun]为[wei]首[shou]的[de]第[di]三[san]方[fang]支[zhi]付[fu]刮[gua]起[qi]一[yi]阵[zhen]二[er]维[wei]码[ma]支[zhi]付[fu]旋[xuan]风[feng],虽[sui]然[ran]央[yang]行[xing]紧[jin]急[ji]“暂[zan]停[ting]”了[liao]该[gai]业[ye]务[wu],但[dan]这[zhe]并[bing]没[mei]有[you]阻[zu]止[zhi]各[ge]家[jia]银[yin]行[xing]在[zai]二[er]维[wei]码[ma]支[zhi]付[fu]上[shang]的[de]低[di]调[diao]布[bu]局[ju]电[dian]大[da]金[jin]融[rong]调[diao]查[cha]报[bao]告[gao]。 “年[nian]初[chu]一[yi]段[duan]时[shi]间[jian]二[er]维[wei]码[ma]支[zhi]付[fu]很[hen]火[huo],很[hen]多[duo]银[yin]行[xing]希[xi]望[wang]把[ba]二[er]维[wei]码[ma]支[zhi]付[fu]嵌[qian]到[dao]APP内[na],虽[sui]然[ran]后[hou]来[lai]央[yang]行[xing]叫[jiao]停[ting],但[dan]不[bu]少[shao]银[yin]行[xing]也[ye]都[du]有[you]在[zai]尝[chang]试[shi]。”上[shang]述[shu]某[mou]股[gu]份[fen]行[xing]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]告[gao]诉[su] 《每[mei]日[ri]经[jing]济[ji]新[xin]闻[wen]》记[ji]者[zhe],目[mu]前[qian]不[bu]少[shao]大[da]行[xing]和[he]股[gu]份[fen]行[xing]的[de]手[shou]机[ji]银[yin]行[xing]APP里[li]已[yi]经[jing]嵌[qian]入[ru]了[liao]二[er]维[wei]码[ma]支[zhi]付[fu]功[gong]能[nen]。 最[zui]早[zao]涉[she]足[zu]这[zhe]项[xiang]业[ye]务[wu]的[de]是[shi]中[zhong]信[xin]银[yin]行[xing],年[nian]月[yue],其[qi]二[er]维[wei]码[ma]支[zhi]付[fu]业[ye]务[wu]第[di]一[yi]期[qi]项[xiang]目[mu]正[zheng]式[shi]上[shang]线[xian],与[yu]NFC支[zhi]付[fu]、全[quan]网[wang]收[shou]单[dan]等[deng]一[yi]同[tong]被[bei]整[zheng]合[he]进[jin]了[liao]名[ming]为[wei]“异[yi]度[du]支[zhi]付[fu]”的[de]产[chan]品[pin]里[li]。此[ci]外[wai],该[gai]行[xing]今[jin]年[nian]还[huai]开[kai]发[fa]了[liao]二[er]维[wei]码[ma]购[gou]买[mai]理[li]财[cai]产[chan]品[pin]的[de]新[xin]交[jiao]易[yi]方[fang]式[shi]。 记[ji]者[zhe]注[zhu]意[yi]到[dao],工[gong]行[xing]、建[jian]行[xing]、浦[pu]发[fa]、民[min]生[sheng]等[deng]银[yin]行[xing]也[ye]在[zai]手[shou]机[ji]银[yin]行[xing]APP中[zhong]添[tian]加[jia]了[liao]二[er]维[wei]码[ma]支[zhi]付[fu]功[gong]能[nen]。如[ru]工[gong]商[shang]银[yin]行[xing]的[de]二[er]维[wei]码[ma]扫[sao]描[miao]甚[shen]至[zhi]被[bei]列[lie]入[ru]了[liao]工[gong]行[xing]新[xin]版[ban]手[shou]机[ji]银[yin]行[xing]的[de]主[zhu]菜[cai]单[dan],用[yong]户[hu]可[ke]以[yi]扫[sao]描[miao]指[zhi]定[ding]商[shang]户[hu]生[sheng]成[cheng]的[de]二[er]维[wei]码[ma]商[shang]品[pin]信[xin]息[xi],同[tong]时[shi]也[ye]可[ke]将[jiang]网[wang]上[shang]生[sheng]成[cheng]的[de]工[gong]行[xing]订[ding]单[dan]生[sheng]成[cheng]二[er]维[wei]码[ma],并[bing]用[yong]手[shou]机[ji]扫[sao]描[miao]后[hou]通[tong]过[guo]手[shou]机[ji]银[yin]行[xing]进[jin]行[xing]资[zi]金[jin]支[zhi]付[fu]。而[er]通[tong]过[guo]建[jian]行[xing]手[shou]机[ji]银[yin]行[xing]APP,客[ke]户[hu]也[ye]可[ke]以[yi]直[zhi]接[jie]使[shi]用[yong]手[shou]机[ji]拍[pai]二[er]维[wei]码[ma]的[de]方[fang]法[fa]购[gou]买[mai]该[gai]行[xing]理[li]财[cai]产[chan]品[pin]。 与[yu]此[ci]前[qian]被[bei]央[yang]行[xing]叫[jiao]停[ting]的[de]二[er]维[wei]码[ma]支[zhi]付[fu]业[ye]务[wu]不[bu]同[tong],这[zhe]类[lei]银[yin]行[xing]系[xi]二[er]维[wei]码[ma]支[zhi]付[fu]的[de]特[te]点[dian]是[shi],每[mei]家[jia]银[yin]行[xing]的[de]二[er]维[wei]码[ma]支[zhi]付[fu]功[gong]能[nen]都[du]是[shi]针[zhen]对[dui]指[zhi]定[ding]业[ye]务[wu]、指[zhi]定[ding]商[shang]户[hu]的[de]支[zhi]付[fu]结[jie]算[suan],不[bu]仅[jin]对[dui]交[jiao]易[yi]范[fan]围[wei]和[he]交[jiao]易[yi]对[dui]象[xiang]有[you]明[ming]确[que]限[xian]制[zhi],甚[shen]至[zhi]是[shi]必[bi]须[xu]通[tong]过[guo]该[gai]银[yin]行[xing]提[ti]供[gong]的[de]二[er]维[wei]码[ma]终[zhong]端[duan]。 “我[wo]们[men]判[pan]断[duan],之[zhi]前[qian]第[di]三[san]方[fang]支[zhi]付[fu]的[de]二[er]维[wei]码[ma]支[zhi]付[fu]的[de]确[que]是[shi]有[you]风[feng]险[xian]的[de],因[yin]为[wei]没[mei]有[you]加[jia]密[mi]的[de]机[ji]制[zhi],现[xian]在[zai]POS机[ji]或[huo]者[zhe]拉[la]卡[ka]拉[la]也[ye]好[hao],都[du]有[you]银[yin]联[lian]认[ren]证[zheng]的[de]安[an]全[quan]机[ji]制[zhi]在[zai]里[li]面[mian]。但[dan]是[shi]二[er]维[wei]码[ma]绝[jue]对[dui]是[shi]空[kong]对[dui]空[kong]的[de],被[bei]盗[dao]刷[shua]的[de]可[ke]能[nen]性[xing]是[shi]很[hen]大[da]的[de]。”而[er]对[dui]于[yu]目[mu]前[qian]不[bu]少[shao]银[yin]行[xing]已[yi]经[jing]陆[lu]续[xu]开[kai]展[zhan]的[de]二[er]维[wei]码[ma]支[zhi]付[fu]业[ye]务[wu],上[shang]述[shu]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]表[biao]示[shi],目[mu]前[qian]这[zhe]种[zhong]方[fang]式[shi]基[ji]本[ben]能[nen]够[gou]保[bao]证[zheng]用[yong]户[hu]支[zhi]付[fu]安[an]全[quan],只[zhi]不[bu]过[guo]条[tiao]件[jian]限[xian]制[zhi]比[bi]较[jiao]多[duo],初[chu]期[qi]推[tui]广[guang]起[qi]来[lai]不[bu]会[hui]太[tai]容[rong]易[yi]。 对[dui]于[yu]新[xin]兴[xing]的[de]事[shi]物[wu],银[yin]行[xing]也[ye]一[yi]直[zhi]都[du]在[zai]尝[chang]试[shi]并[bing]作[zuo]出[chu]改[gai]变[bian],但[dan]是[shi]互[hu]联[lian]网[wang]公[gong]司[si]对[dui]新[xin]事[shi]物[wu]的[de]反[fan]应[ying]与[yu]创[chuang]造[zao]力[li]显[xian]然[ran]更[geng]加[jia]优[you]异[yi],因[yin]此[ci]与[yu]之[zhi]相[xiang]比[bi],银[yin]行[xing]的[de]尝[chang]试[shi]往[wang]往[wang]显[xian]得[de]微[wei]乎[hu]其[qi]微[wei]。在[zai]业[ye]内[na]人[ren]士[shi]看[kan]来[lai],究[jiu]其[qi]原[yuan]因[yin]还[huai]是[shi]在[zai]于[yu]互[hu]联[lian]网[wang]公[gong]司[si]和[he]银[yin]行[xing]体[ti]系[xi]的[de]特[te]点[dian]不[bu]同[tong]。 “银[yin]行[xing]不[bu]管[guan]是[shi]做[zuo]什[shi]么[me]APP,实[shi]际[ji]上[shang]都[du]是[shi]银[yin]行[xing]的[de]一[yi]个[ge]窗[chuang]口[kou],想[xiang]要[yao]不[bu]同[tong]内[na]容[rong]放[fang]上[shang]去[qu],就[jiu]需[xu]要[yao]很[hen]多[duo]后[hou]台[tai]部[bu]门[men]相[xiang]互[hu]沟[gou]通[tong]。而[er]互[hu]联[lian]网[wang]公[gong]司[si]是[shi]轻[qing]资[zi]产[chan]类[lei]型[xing],它[ta]要[yao]做[zuo]一[yi]个[ge]APP可[ke]以[yi]把[ba]各[ge]个[ge]部[bu]门[men]的[de]精[jing]英[ying]集[ji]中[zhong]起[qi]来[lai],做[zuo]一[yi]个[ge]项[xiang]目[mu]团[tuan]队[dui],两[liang]三[san]个[ge]月[yue]就[jiu]可[ke]以[yi]把[ba]事[shi]情[qing]做[zuo]成[cheng]。”上[shang]述[shu]电[dian]子[zi]银[yin]行[xing]部[bu]人[ren]士[shi]坦[tan]言[yan]。

原标题:

【电大金融调查报告】手机银行迎变局 社交功能亟待提升

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