Research On Current Situation And Future Trend Of Mobile Banking

With the rapid development of the Internet,the rise of Internet finance has brought unprecedented pressure to China’s traditional Banks.However,the rapid development of mobile banking and the continuous growth of the number of users and transaction volume have become an important extension of traditional banking services.As one of the implementation methods of mobile banking,mobile banking APP has the characteristics of convenience and convenience,which cater to the fast pace of people’s life and improve the service efficiency of Banks.With the development of emerging cutting-edge technologies such as big data,cloud computing,blockchain and artificial intelligence,it provides important technical support for the continuous development of mobile banking apps and lays a foundation for the transformation of traditional Banks.Due to the late start of the business development of mobile banking APP in China,the relevant laws and policies are not yet perfect,and there are some problems in the development.Based on this,this paper proposes some countermeasures and Suggestions for the development of mobile banking APP business and some assumptions for its future development.This paper first introduces the development of mobile banking and the four realization methods of mobile banking,and makes a comparative analysis of advantages and disadvantages.It concludes that mobile banking APP has obvious advantages and is a necessary channel for the transformation of traditional Banks.This paper analyzes the problems encountered in the development of mobile banking apps and their causes,mainly from the bank’s own problems and users’ problems in the process of using mobile banking apps.Then,the factors affecting the development of mobile banking APP are analyzed from four aspects: policy environment,social environment,economic environment and technical environment,so as to provide a good macro environment for the development of mobile banking APP business.The current user demand for mobile banking APP business were analyzed,and the bank to "user as the center" for the design of the APP,at the same time the Banks themselves need to define the target orientation of mobile banking APP,take the customer as the center to provide a financial ecosystem service,ecosystem strategy is through a comprehensive,rich scene from various aspects to meet the needs of users,and provide one-stop comprehensive financial services.Secondly,put forward reasonable Suggestions for the problems in the development of APP business of mobile banking in China.At last,the author expounds his imagination of the future development of mobile banking APP.In a word,there are inevitably some problems in the research and analysis of this paper,but the favorable macro environment provides a large space for the development of mobile banking APP.With the continuous development of mobile Internet technology,it will play a certain role in promoting the further development of mobile banking APP.