| Domestic commercial banks are speeding up the process of financemodernization, city commercial banks as a significant new force, have made thestrategic transformation of business. The retail business as the development directionand core product has been a platform for commercial banks to provide differentiatedand zero distance service channels. It also becomes the main tool for creating famousbrand and the primary means to show core competitiveness. With de innovation infinancial word, the majority of customer demand for personal financial products andservices has become increasingly widespread. Mobile banking as an emergingelectronic banking channel is becoming a powerful tool for financial business. Earlymobile Internet phone banks are limited by the speed bottleneck of mobile terminals,backward technology and other factors, has developed slowly. In recent years with thedevelopment of3G mobile Internet, the increasing popularity of smart mobileterminals, the improvement of technology and financial security for the developmentof mobile banking provides the necessary objective conditions.This paper shows not only financial platform to provide mobile phone bankingservices but also provides a detailed case in Tai’an City. In this case, the servicescombine financial institutions, commercial banks, local characteristics, based on theconcept of city banking services to the citizen, combined with financial innovationand mobile communications technology, providing mobile banking services,providing customers with mobile consulting, mobile marketing, mobile store, mobilepayments and other personal financial services. This article will discuss the client’sapproach combined with WAP means to achieve integration of the mobile financialplatform. The sub-chapters discuss how to realize the sub-module of mobile banking,mobile consulting, mobile marketing and mobile store, mobile pay for these features,as well as the implement of these applications in the nowadays mainstream smartterminals. In addition, all financial systems security is the most important factor, sothis will be discussed how to ensure the safety of mobile financial platform.Mobile financial platform allows customers to realize banking functions on thephone. It shows the characters of the mobile communication "anytime, anywhere,close, fast, convenient, stylish," and the unique, truly your banking anytime, anywhere, to become a more convenient banking, a more competitive approach to service, canmeet the financial needs of customers. Meanwhile, the expansion of the mobileterminal channels, greatly reducing the pressure on the banks of the businessdepartment, effectively reducing the bank’s operational costs. Therefore, thedevelopment of mobile financial services is the common needs of customers andbanks in high-tech age, is a wise response to fierce competition in financial industry. |
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