艾瑞咨询·2026-02-13 00:02Core Insights - The mobile banking app industry in China is transitioning into a stock operation phase, with user behavior shifting towards efficient, purpose-driven usage rather than prolonged browsing [1][7][9] - AI and ecosystem integration are driving a transformation in service delivery, enhancing user experience and security [2][11] - Regulatory frameworks are tightening, emphasizing compliance and innovation, with new policies guiding the industry towards value creation [3][14] - Competitive dynamics are increasingly influenced by ecosystem capabilities and regional strengths, with state-owned banks leading the market [4][16] Market Overview - The user base for mobile banking apps is stabilizing, with monthly active users (MAU) projected to fluctuate between 648 million and 739 million from 2023 to 2025, reaching a peak by December 2025 [7] - The overall market is moving from rapid expansion to a focus on enhancing existing user engagement [7] User Behavior Trends - User engagement metrics show a slight decline in daily usage frequency, with average daily sessions dropping from approximately 4.5 times in 2023 to around 3.3 times in early 2024, stabilizing thereafter [9] - Effective usage time is also decreasing, indicating a shift from passive browsing to targeted, functional use [9] Technological Trends - By 2025, mobile banking technology will focus on deep AI integration and ecosystem-level enhancements, moving beyond simple feature improvements [11] Regulatory Environment - The regulatory landscape is evolving, with a focus on compliance and user rights protection, driven by the implementation of new policies [14] Competitive Landscape - The competitive environment is characterized by significant differentiation, with state-owned banks leveraging their extensive ecosystems, while regional banks focus on localized growth [4][16] User Demographics - The core user demographic consists predominantly of males (56.7%) and younger users under 40 years old (63.3%), with a significant portion being married and having children [6][45][47] - Users from new first-tier and lower-tier cities account for over 90% of active users, highlighting the importance of these markets for future growth [48] Top Mobile Banking Apps - Agricultural Bank of China leads with an average MAU of 249 million, followed by Industrial and Commercial Bank of China with 194 million, and China Construction Bank with 109 million [18][19] - Among joint-stock banks, China Merchants Bank leads with 71.85 million MAU, while Ping An Bank and CITIC Bank follow closely [20][22] Case Studies of Leading Banks - Agricultural Bank of China is enhancing user experience through its mobile app, aiming for over 270 million MAU by the end of 2025 [30] - Industrial and Commercial Bank of China focuses on smart financial services, improving user engagement through various innovative features [33] - Postal Savings Bank of China aims to evolve its app into a companion service, enhancing user interaction and experience [35] - China Merchants Bank emphasizes wealth management and digital loan services, integrating financial services into daily life [37] - Ping An Bank is enhancing its app with AI-driven insights and personalized services [39] - Beijing Bank is focusing on a comprehensive wealth management system and improved user experience through its app [41]