Core Viewpoint - The evaluation of Bohai Bank's mobile banking app indicates that while there have been updates and improvements in certain areas, significant issues remain in user experience and core functionalities, particularly in performance and customer interaction [1][12][35]. User Experience - The app received a score of 73.070 out of 100, reflecting ongoing updates and iterations, particularly in wealth management and fund sections, but still showing gaps in search interactions and customer service [1][12]. - The user registration process has been streamlined, but issues with card binding persist, requiring users to visit a physical branch for certain functionalities [13][35]. - The app's logout experience has improved, but overall interaction quality, especially in customer service, remains limited [21][35]. Functionality Services - The app's core channels have been optimized in version 7.0, yet fundamental issues such as the "asset-liability overview" feature lag behind industry standards [1][12][35]. - Investment and fund sections have seen upgrades, but the purchasing process for financial products is still not fully refined, leading to potential user journey disruptions [28][30]. - The app supports various banking functions, including transfers and account management, but lacks comprehensive features for transaction details and user notifications [25][30]. Performance and Security - The app's performance metrics, including response times and loading speeds, are significantly below industry averages, indicating a need for improvement in technical infrastructure [32][35]. - Security features are in place, such as automatic logout after inactivity and password management, but the absence of a dedicated "security center" is noted [32][35]. Development and Innovation - Bohai Bank is focusing on digital transformation, aiming to enhance customer service and product innovation through its mobile banking platform [33][35]. - The app has introduced a "Bohai e-Manager" service for family financial management, although the underlying functionalities have not seen substantial improvements [30][35]. - The bank's approach to user engagement and content delivery lacks a systematic operational framework, limiting the effectiveness of its informational resources [34][35].
渤海银行App建设如何？部分栏目界面有优化，但底层功能提升较迟缓