Bank Of Jiangsu(SH:600919) Xin Lang Cai Jing·2025-05-21 03:02Core Insights - Jiangsu Bank's mobile banking app received a score of 81.275 out of 100, reflecting improvements in user experience and functionality, but still facing challenges in search experience and interaction after purchasing financial products [1][11][36] - The app underwent a significant upgrade to version 10.0, integrating the "Mobile Banking" and "Hui Life" systems, which restructured the user experience architecture [1][36] - Despite enhancements, fundamental issues in user experience and service functionality remain unresolved, necessitating further research into user needs [1][36] User Experience - The app allows quick registration and binding of bank cards for new users, with improved login options including fingerprint and facial recognition [12][14] - Search functionality has seen some improvements, but still lacks completeness, with issues in accurately matching specific features and products [16][18] - Customer service integration is robust, with multiple channels for user assistance, although the transition to human support can be cumbersome [19][20] Functionality and Services - The app has expanded its service offerings, including wealth management, investment products, and various banking services, but some core functionalities like transaction details and financial holdings require further enhancement [24][28] - The wealth overview feature allows users to view total assets and liabilities, but the clarity of frozen fund handling needs improvement [27] - The app supports various transfer methods, including bank account and phone number transfers, but lacks support for multi-person transfers [27][30] Performance and Security - Performance metrics indicate that the app's average startup time is below industry standards, and response times for key pages are also lacking [32][33] - Security features include automatic logout after inactivity and password error limits, but there are still some vulnerabilities identified in penetration testing [32][33] Development and Innovation - Jiangsu Bank is focusing on digital transformation, with over 7 million monthly active users on the app, maintaining its leading position among city commercial banks [34][35] - The app has introduced a user tier system with various benefits, and features like a mini-game to enhance user engagement [35] - The app's "Care Version" is designed for elderly users, providing easy access to essential functions, although some features like voice search have shown inconsistencies [34][35]