Core Viewpoint - The evaluation of the Shanghai Pudong Development Bank (SPDB) mobile banking app indicates an overall score of 85.075 out of 100, reflecting improvements in user experience, functionality, and service optimization, while highlighting areas needing further enhancement, particularly in search interaction and transaction record functionalities [1][12][31]. User Experience - The app has undergone a version upgrade, with enhancements in sections like pension finance and borrowing, and improvements in customer service and message interaction, although search interaction still requires significant improvement [1][12][31]. - The app interface has been simplified to reduce complexity and enhance user experience, but certain common interactions remain imperfect, indicating a need for further refinement [1][12][31]. Functionality and Services - The app supports various functionalities including account management, transaction details, and wealth management, with notable improvements in transaction detail visibility and clarity [22][26][28]. - The app's wealth channel displays total assets and ongoing transactions, with a well-structured product recommendation system, although some areas like insurance and physical gold need further optimization [26][28]. Performance and Security - The app has robust security features, including automatic logout after inactivity and password management, with no detected vulnerabilities in recent penetration tests [30]. - Privacy policies are clearly stated, and users have control over their data, although some compliance issues were noted in the evaluation [30]. Development and Innovation - SPDB is focusing on user experience and intelligent services, with the app's membership system offering rewards based on financial asset levels, although the attractiveness of these rewards is considered average [31][33]. - The app has been designed with elderly users in mind, featuring easy access to common functions and a dedicated customer service option, though further enhancements in the pension finance section are recommended [32][33].