The Study On Mobile Banking Business Development Of CD Bank

With the popularization of Internet technology and the introductions of new concepts such as inclusive finance,mobile banking service has been the most focused key point in the banking industry.Because the mobile banking service has the advantages of convenient,safety,reliability and wide scope of coverage,it becomes the commanding point of the bank to increase the stickiness of their customers,as well as the profit.At present,the China's mobile banking service market is full of competition,commercial banks have increased the mobile banking service business to a strategic position,and the mobile banking service also become the important node of banks in the transition.As far as we concerned,the mobile banking service can provide the services that online banking has.In addition,handling the business by using mobile banking service is not subject to time and space constraints.Because the development of mobile banking service relies on the Internet technology,the mobile banking service has started earlier in the United States,Japan and other developed countries,however,there are many differences between overseas and domestic in the operating mode and user habits.Although domestic electronic banking has developed rapidly in recent years,the problems faced or experienced by foreign mobile banking service may also be needed to pay attention to and to prevent.Through the analysis of the major mobile banking service market between overseas and domestic has practical significance to the CD Bank's mobile banking service development.The development of mobile banking service business has no shortcut,so we need to put into practice and learn more experience.Nowadays,the homogeneity of mobile banking service has been the consensus of the banking industry,only by accumulating the number of users is not enough,but also by continuous optimization and improvement in the function,user experience,operating procedures and other aspects.In the future competition,CD Bank should actively follow the latest trends of the banking industry,take advantage of other banks' products,more analyze the relationship between the mobile banking service and mobile payment and continue to make strategic adjustments,and then according to the need of local target users to develop more targeted marketing and operational strategies,matching better and more business innovation in the CD Bank mobile banking service business.CD Bank mobile banking service in the southwest area has been in a leading position,user feedback is also frequently received.But in turn,CD Bank mobile banking service still needs to be improved and optimized in many places.The development of mobile banking service needs not only from the user's point of view,but also through a variety of technical means to strengthen the security of mobile banking service,improving the user's good experience,in order to achieve different users can be satisfied with different degrees.At the same time,through the reference to the peer and the third-party payment agencies that have good feedback products and marketing means,increasing the investment of innovative business to provide users with more professional services.The paper briefly described the definition and characteristics of mobile banking service,reviewed the relevant literature and data,and through the development history of mobile banking service between overseas and domestic,the analysis of the mobile banking service and mobile payment,as well as the actual situation of mobile banking service,the writer draw the conclusion that the mobile baking service has been the main trend and the competitive position of the banking industry.Firstly,as the rapid development of the Internet,banks should seize the opportunity to develop mobile banking service,developing electronic banking and mobile banking service from strategic aspects,in order to compete in the fierce today.Second,through the access to authoritative Web site data and information,we use the SWOT analysis method to the CD bank mobile banking service in detail,trying to find out the current advantages and disadvantages and external opportunities and threats and so on.At the same time,we find the next step in the development of CD Bank mobile banking service,solving the actual problems,weaknesses,and going on keeping the optimization and improvement,in order to make full use of the advantages of mobile banking service,which is also the cornerstone of CD Bank's continuous good development.Finally,we hope that the implementation plan proposed in this paper can bring reference value to the development of CD Bank mobile banking service business,and further promote the benign development of mobile banking service business.