Core Insights - The core evaluation of the Huaxia Bank mobile banking app resulted in a score of 76.725 out of 100, reflecting improvements in user experience, functionality, and security, but highlighting areas needing further enhancement [1][10][36] User Experience - The app has undergone a version upgrade, enhancing features such as investment and fund sections, and improving search interactions and video customer service [1][10][36] - Despite visual improvements in customer service and messaging interfaces, the actual user experience has not significantly improved, with persistent functional shortcomings [1][10][36] - The app's user journey experiences issues when users encounter obstacles, indicating a need for better prompts and follow-up services [1][10][36] Functionality - The app supports various login methods, including mobile number, ID number, and bank card number, as well as quick login options via facial recognition and fingerprint [4][16] - Key features include account management, fund transfers, and investment options, but the purchasing process for financial products still requires optimization [27][28][30] - The app has introduced a separate "Asset Overview" feature, but the overall functionality related to income and expenditure details remains underdeveloped [1][10][27] Performance and Security - The app's security measures include automatic logout after inactivity and password error limits, with a recent penetration test revealing one risk point on the Android version [33] - Privacy policies are clearly stated, and users can manage third-party application authorizations, although compliance issues were noted in some tests [33] - Performance testing indicated that the app's memory usage is high, and its average frame rate per second (FPS) is lower compared to competitors [33] Development and Innovation - The app has made strides in adapting to older users with a "care version" that simplifies navigation and access to essential functions [34][35] - However, the app lacks a comprehensive membership growth system and has limited content to support diverse investment decision-making [35][36] - Continuous updates have improved the app's interface and functionality, but deeper systemic issues remain unresolved, necessitating further optimization [36]