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上海浦东发展银行开卡实测:耗时1小时,要求绑定贷款小程序
Nan Fang Du Shi Bao· 2025-07-02 11:41
Core Insights - The article highlights the increasing strictness of bank account opening processes in response to risks such as telecom fraud and money laundering, leading to concerns about excessive restrictions on transaction limits and service quality [1] Group 1: Bank Evaluation - A survey was conducted in Zhuhai, where seven banks were evaluated on their account opening services, focusing on efficiency, compliance, fraud prevention, and service quality [1] - The evaluation revealed a significant disparity among the banks, with scores ranging from 55 to 95, indicating that some banks provided efficient and smooth services while others imposed excessive restrictions and lengthy processes [1] Group 2: Specific Bank Case Study - The Shanghai Pudong Development Bank's Zhuhai Jida branch was assessed on June 25, taking approximately 1 hour and 4 minutes to complete the account opening process [3] - During the process, the bank required the customer to provide various personal details and complete multiple forms, which contributed to the lengthy wait time [5] - The bank's system mandated the binding of at least two internet platforms during the account setup, which raised concerns about customer experience and service efficiency [7][8]
广发银行开卡实测:60分钟完成全流程,新卡限额1000元
Nan Fang Du Shi Bao· 2025-07-02 10:57
Core Viewpoint - The article highlights the increasing strictness of bank account opening processes in response to risks such as telecom fraud and money laundering, while also addressing concerns about excessive restrictions and inefficiencies in service delivery [1]. Group 1: Bank Evaluation - The evaluation involved visiting seven banks in Zhuhai to assess the compliance and efficiency of their account opening processes, focusing on four dimensions: service efficiency, compliance, fraud prevention execution, and service quality [1]. - The results showed a significant disparity among the banks, with some achieving high scores (up to 95) for efficient service and smooth processes, while others scored as low as 55 due to lengthy procedures and excessive restrictions [1]. Group 2: Specific Bank Case Study - At the Guangfa Bank (Kou'an Branch), the total time taken to open an account was approximately 60 minutes, with minimal customer traffic observed during the visit [3]. - The bank staff initially informed the reporter that new accounts would be limited to a second-class card due to local regulations aimed at preventing fraud, despite the reporter's eligibility for a first-class card [5][6]. - After further inquiry, the bank staff indicated that a first-class card could be approved through a special process, but the limits for transactions remained low, with daily limits set at 1,000 for a second-class card [6][7]. Group 3: Customer Experience - The overall experience involved significant waiting time, with the reporter being asked about the purpose of the account multiple times, yet there were no instances of being pressured to engage with promotional content or financial products [7]. - The process concluded with the signing of an anti-fraud commitment, although the online banking setup was unsuccessful due to unmet conditions [6][7].