BOB(SH:601169) Xin Lang Cai Jing·2026-02-09 07:51Core Insights - The Beijing Bank mobile app "Jingcai Life" received a score of 80.235 out of 100, reflecting improvements in user experience, functionality, and product offerings, but still has areas needing enhancement, particularly in search and customer service interactions [1][10][12]. User Experience - The app has undergone a version upgrade, optimizing interface experience and enhancing message interaction, but search and customer service experiences remain inadequate [1][10][12]. - Users can register easily by entering their phone number and setting a login password, with support for quick login methods such as facial recognition and fingerprint [15][17]. - The app's homepage is organized into five main channels: "Home, Wealth, News, Life, My" [15][17]. Functionality Services - The app allows users to manage accounts, view transaction details, and access various financial products, but features like gold and silver investment sections and appointment services need improvement [24][29]. - The wealth channel displays total assets and offers various financial products, but the construction of a centralized "earnings center" is still pending [27][29]. - The app supports various transfer methods, including bank account and phone number transfers, but the functionality for transferring from other banks needs enhancement [26][29]. Performance and Security - The app has comprehensive security measures, including automatic logout after inactivity and account freeze after multiple incorrect password attempts, with no detected vulnerabilities in recent penetration tests [31]. - Privacy policies are clearly stated, and users can manage third-party authorizations and system permissions [31]. Development and Innovation - Beijing Bank is committed to digital transformation, aiming for significant growth in customer base and active users by mid-2025, with a focus on continuous app upgrades [32][34]. - The app has introduced features catering to elderly users and has a membership system offering varying levels of service based on user engagement [33][34].