当银行业从"渠道为王"迈向"体验为王"的新阶段，作为数字化重塑棋局中最具战略意义的落子，手机银 行已不再仅是交易工具，更是银行与用户建立深度连接的"价值载体"。从"交易平台"到"财富入口"， 从"简单功能堆叠"到"体验重构"，手机银行的每一次迭代，均可谓是一家银行发展理念、客户服务与生 态协同的集中映射。而近日，光大手机银行13.0的焕新登场，不仅是一次技术与服务的迭代，更表明在 数字化浪潮中，金融服务正在从单纯的功能提供转向深度的体验制造。 界面焕新： 从"功能集成"到"体验再造" "首页"不再是功能的"集装箱"，而是客户需求的"应答器"。财富精选、乡村振兴、生活便民专区的设 立，是将金融与非金融、高频与低频服务进行有机编织，形成一张全景服务网。 传统银行APP往往是内部业务结构的线上映射，导致服务割裂。而13.0版本独具匠心，"借钱"主页将以 往相对分散的信贷服务，以"贷款+信用卡"的双核模式前台化、场景化。从"我要经营"到"我要消费"， 精准对接了小微企业主、购房者、消费者等多类客群的真实资金痛点，让金融服务从"被动供应"走 向"主动响应"。 "界面革命"的背后，正是光大银行（601818）对"移动优先 ...

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]