Core Insights - The banking industry is transitioning from a "channel-centric" model to an "experience-centric" model, with mobile banking evolving into a strategic tool for deepening connections with users [1] - The launch of Everbright Bank's mobile banking version 13.0 signifies a shift from merely providing functions to creating comprehensive user experiences [1][5] Interface Revamp - The most noticeable change in Everbright Bank's mobile banking 13.0 is the systematic restructuring of its five main pages: "Home, Borrowing, Wealth, Activities, and My" [2] - This restructuring reflects a shift from a "bank-centric" to a "user-centric" service logic, transforming the homepage into a responsive tool for customer needs [2] - The "Borrowing" page consolidates previously scattered credit services into a dual-core model, addressing the financial pain points of various customer segments [2][3] Service Upgrade - Wealth management remains a focal point, with retail asset management expected to reach 3.15 trillion yuan and wealth management products at 1.89 trillion yuan by September 2025 [4] - The 13.0 version enhances the "Sunshine Wealth" brand and introduces a "Enjoyment Services" section, integrating financial services with healthcare and lifestyle offerings [4] - The app also aims to simplify complex financial needs for scenarios like studying abroad and foreign nationals in China, enhancing user engagement [4] Value Enhancement - The goal of the 13.0 iteration is to establish deeper customer relationships, moving beyond being a mere transactional tool to becoming a "digital partner" [7] - Features like "Popularity Rankings" and "Investment Plans" transform wealth management into a dynamic process that aligns with user investment philosophies [7] - The integration of intelligent and human services aims to create a personalized experience, fostering emotional connections in the digital age [7][8] Industry Trends - The evolution of Everbright Bank's mobile banking reflects broader industry trends, where banking services are shifting from function provision to value creation [8] - The focus on emotional resonance and value recognition in financial services is seen as crucial for success in the digital finance landscape [8]

财富管理服务升级。光大手机银行13.0版本持续强化财富管理功能建设，聚焦"阳光财富"特色品牌，满 足客户多层次、高品质、多样化的财富管理需求。打造活钱管理、稳健投资、进阶投资、保险保障"人 生四笔钱"专区，助力客户实现财富旅程合理规划、有效管理；全新上线"人气榜单"，展示产品人气排 名；理财频道推出"理财定投"专区，创新"目标投、人气投、安稳投"三种定投类型；基金频道优化购买 及持仓查询全流程，支持转入他行资金购基功能，同时支持客户查询基金产品连续持仓天数；私募频道 重构产品货架，增加产品特点介绍，便于客户快速了解产品。 全新推出"借钱"主页。本次光大手机银行13.0版本全新推出的"借钱"专区，从实际生活场景出发，通过 打造专属资金需求解决方案，有效解决传统金融服务分散化、碎片化问题，降低客户使用门槛。其 中，"贷款"页提供"我要经营、我要买房、我要消费、我有增信"四个专区，形成产品矩阵，满足客户不 同生活场景下的用款需求；"信用卡"页覆盖光大银行信用卡各项功能，为客户提供信用卡查账还款、额 度调整、积分兑换、热门活动等一站式服务，助力提振消费。 养老金融服务温馨升级。光大手机银行13.0版本通过养老金融、个 ...

Core Insights - The banking industry is accelerating its transformation towards online, mobile, digital, and intelligent services, with mobile banking becoming a comprehensive service platform for various financial services [1] Group 1: Mobile Banking Upgrade - China Everbright Bank has launched the 13.0 version of its mobile banking app, focusing on customer-centric services and technological innovation to enhance user experience [1][2] - The new version features five upgraded homepages: "Home," "Borrow Money," "Wealth," "Activities," and "My," designed to meet high-frequency service needs and provide a comprehensive financial service experience [2] Group 2: Wealth Management Enhancement - The 13.0 version strengthens wealth management functions, introducing the "Sunshine Wealth" brand to cater to diverse and high-quality wealth management needs [3] - New features include a "Life's Four Funds" section for effective wealth planning, a "Popularity Ranking" for product visibility, and an optimized fund purchasing process [3] Group 3: Borrowing Solutions - The new "Borrow Money" homepage addresses fragmented financial services by offering tailored funding solutions for various life scenarios, including sections for loans and credit card services [4] - The loan section includes categories for business, housing, consumption, and credit enhancement, while the credit card section provides comprehensive functionalities [4] Group 4: Pension Financial Services - The 13.0 version introduces a dual-section system for pension finance and personal pensions, offering integrated services that combine social security, corporate annuities, and personal pensions [5] - The "Enjoy Service" section integrates resources from various subsidiaries to provide specialized financial and health services for elderly clients [5] Group 5: Comprehensive Lifestyle Services - The app enhances lifestyle services by offering various promotional activities and a platform for purchasing agricultural products directly from producers [6] - It also upgrades cross-border financial services, providing tailored solutions for expatriates and students, including online asset proof services and specialized cards [6]