iResearch Qianfan data shows that in August 2022, the number of active mobile banking service applications was 525.566 million, an increase of 0.76% month-on-month. State-owned banks and joint-stock banks are still in the leading position, with Industrial and Commercial Bank of China , Agricultural Bank of China , China Construction Bank ranked in the top three.
monthly active data of the mobile banking service application in the city commercial bank shows that Beijing Bank , Jiangsu Bank , Ningbo Bank ranked in the top three, with the number of active people both increasing month-on-month; Guilin Bank , Hebei Bank was on the top 20 in August.
Rural Commercial Bank Mobile Banking Service Application Monthly Active Data shows that 13 of the TOP20 companies maintained a growth trend month-on-month. Chongqing Rural Commercial Bank , Jiangsu Rural Commercial Bank and Jiangxi Rural Commercial Bank firmly ranked in the top three, Tianjin Rural Commercial Bank rose sharply from 14th in July to 9th.
1. TOP20 mobile banking service applications: State-owned and joint-stock banks maintain their dominant position, and the ranking of Beijing Banks rose
iResearch Qianfan data showed that the number of active mobile banking service applications in August was 525.566 million, an increase of 0.76% month-on-month. Based on historical data, the number of active people using mobile banking services has maintained a month-on-month growth for four consecutive months, and the scale of active people has continued to rise.
Judging from the monthly active performance of mobile banking service applications in August, 12 of the top 20 companies maintained a growth trend month-on-month, while 8 companies fell month-on-month.
From the ranking situation, state-owned banks and joint-stock banks are still in the leading position. Industrial and Commercial Bank of China and Agricultural Bank of China html's April active scores were 124.5042 million and 100.1511 million, respectively, maintaining a month-on-month increase compared with the July data. China Construction Bank ranked third on the list with a user scale of 94.8119 million, and monthly active users decreased month-on-month.
At present, the construction of mobile banking has gradually become an important hub for linking offline smart outlets, carrying online digital services, and connecting remote banking . In the semi-annual reports disclosed in August, many banks placed the creation of mobile banking in an important position.
Taking the top-ranked banks as an example, Industrial and Commercial Bank of China proposed to use the construction of mobile banking APP as the basic project of the bank and the strategic support of the "first personal financial bank" to create the "best mobile banking"; China Construction Bank electronic channel focuses on traffic value creation and user experience improvement, and implements the "Temini" strategy jointly made by " CCB Life " and mobile banking.
2. The TOP20 mobile banking applications of urban commercial banks: Beijing Bank ranked first, Guilin Bank and Hebei Bank were on the list
iResearch Qianfan data shows that in August, the number of active mobile banking service applications of urban commercial banks was 33.8989 million, a month-on-month increase of 3.59%.
Judging from the monthly active performance of mobile banking services applications in August, 12 of the top 20 companies maintained a growth trend month-on-month, while only 7 companies fell month-on-month.
From the ranking, compared with July, Beijing Bank jumped to the top of the list with an active number of 4.9291 million people, and the number of active people maintained a month-on-month growth trend; Jiangsu Bank and Ningbo Bank ranked second and third respectively, with active people 4.9046 million and 3.13 million people respectively, both maintaining growth month-on-month growth.
Compared with July, Harbin Bank and Zhengzhou Bank fell out of the TOP20, Guilin Bank and Hebei Bank html ranked in the TOP20 list in August, ranking 12th and 14th respectively.
Among them, Guilin Bank html active people in April was 815,900, a month-on-month increase of 9.46%. Based on historical data, the monthly active users of Guilin Bank has maintained a growth trend since the beginning of this year. By August, its monthly active users have exceeded the highest level in history. On the news front, Guilin Bank updated its mobile banking version in August, adding smart voice digital people, elderly care service and care version, new life modules, etc. At the end of July, Guilin Bank's Guilin jurisdiction realized that all business outlets and rural inclusive finance comprehensive service points can handle personal provident fund business.
Hebei Bank .568 million people, a month-on-month increase.Based on historical data, the number of monthly active users in Hebei Bank also broke through the historical highest level, with the user usage time and the number of startups in August both increased significantly.
In addition, Shengjing Bank , Jilin Bank , Suzhou Bank html in April fell month-on-month, ranking 13th, 15th and 18th respectively, and showed a decrease compared with the 10th, 13th and 15th respectively in July.
At present, urban commercial banks have developed a breakthrough scenario based on their regional advantages and have become an important direction for optimizing and improving mobile banking functions. Taking the top-ranked banks as an example, in the semi-annual report released in August, Beijing Bank mentioned that its mobile banking APP had added and optimized more than 120 functional services, established two special zones for government affairs and trade unions, and added more than 30 new projects in the convenient payment section. The trade union zone launched the "Beijing Cai Xipin" consumption assistance activities, etc.; Jiangsu Bank smart retail construction focuses on scenario-based, localized, and life-oriented, creating a "mobile bank that understands you better". The ride code function has covered 7 cities in Jiangsu Province, realizing online payment and online inquiry of personal social security in Jiangsu Province.
3. Rural Commercial Bank mobile banking applications TOP20: Tianjin Rural Commercial Bank jumped to the 9th
iResearch Qianfan data shows that in August, the number of active people in the mobile banking service application of Rural Commercial Bank was 15.7742 million, a month-on-month increase of 4.41%.
Judging from the monthly active performance of rural commercial banks' mobile banking service applications in August, 13 of the top 20 companies maintained a growth trend month-on-month, while 7 companies fell month-on-month.
From the ranking, Chongqing Rural Commercial Bank, Jiangsu Rural Commercial Bank, and Jiangxi Rural Commercial are still stable in the top three, with monthly active users of 4.1067 million, 3.5674 million, and 2.8926 million respectively. The monthly active users of Jiangsu Rural Commercial Bank and Jiangxi Rural Commercial maintained a month-on-month growth.
It is worth mentioning that Tianjin Rural Commercial Bank and Chengdu Rural Commercial Bank rankings were replaced, and Tianjin Rural Commercial Bank rose sharply from 14th in July to 9th. Based on historical data, the number of monthly active users in Tianjin Rural Commercial Bank has fluctuated since the beginning of this year, with a month-on-month increase of 38.6% in August, and the user usage time and the number of startups have both continued to grow.
In addition, Zijin Rural Commercial Bank rose from 19th place in July to 17th place, and Zhangjiagang Rural Commercial Bank rose from 20th place in July to 18th place. Among the mobile banking banks with the highest rankings in
, although the monthly active number of mobile banking in Chongqing Rural Commercial Bank, Shenzhen Rural Commercial Bank and Guangzhou Rural Commercial Bank mobile banking decreased month-on-month, the rankings remained stable; among the rural commercial banks with the lowest rankings, Jiangnan Rural Commercial Bank rankings fell to 10th, Chengdu Rural Commercial Bank fell to 14th, Nanhai Rural Commercial Bank fell to 19th, and Suzhou Rural Commercial Bank fell to 20th.
Overall, the digital transformation of rural commercial banks started late overall, and the construction of scene ecological environment has not formed deep penetration. Judging from the monthly active users of mobile banking, the number of active people in the TOP in 2020 is still far behind that of urban commercial banks, but some rural commercial banks are still actively working on the construction of mobile banking. Taking the Chongqing Rural Commercial Bank , the largest monthly active users, as an example, its mobile banking version has maintained a high update and iteration frequency in the past year. During August, the APP update involved a number of optimizations such as further improvement of the scenario ecology and new product additions. Combining regional advantages to improve the ecological construction of its own mobile banking scenarios may also become the direction for rural commercial banks to "overtake on the curve".
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