the proportion of personal mobile banking users
December 12, 2016, “Technology + Finance, Kai Chong Bank” Summit Forum and the 12th annual meeting of China’s electronic banking in Beijing. At the meeting, “2016 China e-banking survey report” predicted that in 2017, the proportion of personal mobile banking users is expected to exceed personal Internet banking.
According to the report, the percentage of online banking users was 46% and the proportion of mobile banking users was 42% in the 2016 cities above 13 years old. The proportion of microbank, telephone banking and direct bank users was 28% , 23% and 11% respectively. Mobile banking channels continue to develop rapidly, personal mobile banking hot pursuit of personal online banking, the proportion of users is expected in 2017 is expected to exceed personal Internet banking, leapt to personal electronic banking channels, the proportion of users first.Concern is that the business of electronic banking transfer remittance has gradually lagged behind the third-party payment, the most frequent use of electronic banking to transfer the user’s share of less than 4 percent.
The report shows that in the transfer and remittance business, the most frequently used Alipay’s share of users increased from 35% in 2015 to nearly 20% in 2016, has been absolutely ahead of other channels; the most frequent use of personal Internet banking share from 2015 Of the 35% dropped sharply to 19% share of the decline is basically transferred to Alipay.Personal mobile banking users share the most frequent use of a slight increase year on year, indicating that personal mobile banking business is not strong viscous competitiveness. Although the proportion of users using micro-credit transfer remittance as high as 56%, but the most frequently used ratio of only 8%.