Research On Optimization Of Z Bank Mobile Banking Business Development Model

In the context of Internet finance,fintech is taking the unique advantages of "de-professionalization,de-intermediation and de-centralization" to fully enter the core financial fields such as deposit,loan,foreign exchange management,asset pricing and risk management.Along with the surging tide of financial technology,mobile banking has developed rapidly and gradually become one of the main means of customer financial services.Therefore,the only way to comply with the trend of fintech reform and meet the digital financial needs of customers is developing of mobile banking,in the new era.Z bank was the first to find business opportunities in mobile banking and became one of the first Banks to launch mobile banking services in China.However,under the fierce competition from commercial Banks and e-commerce payment platforms,Z bank has not gained the market power in the business of mobile banking,and its priority gradually lost.How to face up to and solve the deficiencies and defects in the current development model of Z bank's mobile banking,further optimizing the development model of Z bank's mobile banking,and developing mobile banking business well and quickly in the fierce market competition has become an important project for Z bank to realize sustainable and rapid development under the background of the Internet.This paper will make an in-depth study of the current situation and the trend of the development of mobile banking,and put forward the urgency and significance of the development of mobile banking in commercial Banks under the new situation.The paper also makes a comprehensive and systematic analysis of the current development mode of Z bank's mobile banking business,and summarizes the main problems and causes of the current development mode of Z bank's mobile banking business.Then,based on the relevant domestic and foreign experience of development mode in the business of mobile,this paper will search the enlightenment of the optimization of development mode in the business of Z bank's mobile banking,and provide ideas and suggestions for the optimization of Z bank's mobile banking business.I expect that the analysis and suggestions in this paper can provide certain practice reference for the optimization of development mode of Z bank's mobile banking.