持续打造数字金融服务新范式 光大银行APP获评“年度用户青睐产品”

Core Insights - The article emphasizes the transformation of financial institutions, particularly through mobile banking, as a key platform for enhancing service experience, security, and convenience, marking a shift from traditional transaction processing to comprehensive financial service platforms [1][2] Group 1: Mobile Banking Evolution - China Everbright Bank has launched the 13.0 version of its mobile app, focusing on wealth management, retirement finance, retail credit, and credit cards, with a goal of connecting users to a better life [1][2] - The new app design is centered around user needs, restructuring the homepage into five main modules: Home, Borrowing, Wealth, Activities, and My Account, indicating a fundamental shift from a bank-centric to a user-centric service logic [2] Group 2: Wealth Management Focus - The retail asset management scale of China Everbright Bank has surpassed 3.15 trillion yuan, with wealth management products reaching 1.89 trillion yuan, showcasing its robust capabilities in providing a reliable wealth management platform [3] - The app's wealth management section emphasizes the "Sunshine Wealth" brand, focusing on trust, security, and professionalism, while introducing the "Four Types of Money" asset allocation concept to guide users in financial planning [3][7] Group 3: Retirement Financial Services - The bank has upgraded its mobile banking features to address the growing demand for diverse retirement solutions, transitioning from a single product sales approach to a comprehensive "finance + ecosystem" service model [5][6] - The app includes dedicated sections for retirement finance and personal pensions, offering a one-stop service that aligns with the national multi-pillar pension system, enhancing the planning of future retirement funds [6] Group 4: User-Centric Innovations - The 13.0 version of the app includes a "Simplified Love" version tailored for elderly users, improving usability through optimized design and simplified processes, thereby lowering barriers for older customers to access digital financial services [6][7] - The bank's initiatives reflect a commitment to redefining the relationship between banks and users in the digital economy, positioning itself as a co-creator of value and an enabler of a better life [7]