上市商業(yè)銀行手機(jī)銀行場(chǎng)景建設(shè)專題分析

1、遤劼區(qū)遤兞 霃遤劼遤兞霃梡 朐遤劼遤渹挿遤勱勻饞CONTENTS010203梡朐遤劼遤兞 霃014慨猰倝崞遤遤叻勍兞僑 鯪姺2021剣42遤銻渷剣遤肅遤遤勠遤涸4碫 遤餴錞垷嶹遤侮嬙鰍鵛勻遤絯程倝僑鯪姿輑猰鳴欰兞鵳蠒 盜椚瘝蘭臘欽瘝倰務(wù)兞霃遤僑鯪務(wù)飾蕘銳涸欽2022/5/4霹僈遤 遤劼遤鳴兞剪 梠兞霃僽遤輑剪小湱輑剪務(wù)欽涸欰崞倰馰昶用剣湱暵涸兞纈礵 輑寵輑剪劵輑嶊餩寵罜匬剪梠鵛勻遤欽錠劼遤僽遤銳崨鵘蠒輑剪輑剪湱絕鸑鵂 峯欽寵輑猰輑剪輑剪暵蒀兞遤蜦崞兞霃輑剪欽遤忘駈欽劥餘寵輑剪湱 臘欰 僒臘欰佪欽湱 涸輑剪 鯪餖 叅霧佅綶餩 椚餒歍慨崞 鵮妴餝暟牰 牰獤毫 侅肫鯊鸑 爢劼遤鵶欰崞倰馰昶 用剣湱暵

2、涸纈遤絑遤欽兞劵鸑鸑鵂遤涸1欽餝 欽遤遤劼遤佅欽欽涸傞 欽崞駟慨猰倝崞2022/5/45猰餻臘遤絯兞霃 瀦遤猰獤匧鳴兞霃輑兞僑鯪姿鵘欽僑蘭 臘暟翫緸瘝倝助輑兞霃涸梠蒜猰鳴欰崞遤毫繠佟字瘝輑兞 鸑鵂輑輑涸兞輑輑猰餻臘餻臘餻臘兞鸑遤毫繠欰綶崞餩佟字輑剪偽滿遤剪輑劌猰輑涸倗輑 傈欰崞偽偽 輑遤 絛牰餧妴猰碫嶊餻餩臘兞鸑務(wù)鵂勻兞忘駈霃輑剪偽綟欽輑涸崞駟邆 遤瘝猰鳥遤僑鯪慨猰倝崞2022/5/46滿倝猰鳥鶛 蘭遤臘鯪輑剪姻僑 椚餒鯊牰爢綶餩兞剪鵳勻綶餩餖佅僑蘭臘輑剪饑暟翫緸遤兞欽絑崸 滿翫緸助涸涸鴲毫侅肫佟瘝鷶幯絁欽錞垷絯罜勻剪寵 鵛勻遤荈魧餴彂絗毫侅肫佟瘝剣佪佅絕遤暵挿 寵倝輑兞劵欽劌涸輑剪絑崸姼剪兜

3、輑劵輑剪小遤輑勠輑猰絯倝剪 絁僑涸剪蕘?zhàn)仲旌聋N肫剪絑崸剪兜輑剪小帿輑剪挿剣佪佅 梡禹輑剪涸帿輑餻臘毫侅肫姺2021 6 剢 絁毫欽錞垷23933 檜 11.42%絁毫剪涸欽欽檜2涰挿蕘 23.7%湡絁毫臘涸剪鰍呋絁霏 濼霋猰兜瘝剪鰍錛唬紨氻盜椚瘝剪 忘駈欽呋涸霎寵姼毫剪遤臼 鰉欰婤毫繠瘝遤涸毫剪寵絯氋絁侅肫涸倰鵳遤 絁侅肫遤鷶姿蕘20216剢絁侅肫欽錞垷鴪3.25儑梡饞湡侅肫劼匬鸑鵂絁侅肫倗鶛去湬乄錠爢 纈佟崵霉瘝臘湡僑佟霃珘姿鵳絁佟剪 倗慨猰倝崞2022/5/47紩纈劌涸剪蕘2020劣 絁佟剪欽錞垷鴪8.43梡 遤劼遤渹 挿02遤翫緸 兞+輑 餻臘遤翫緸侮倰餴崨助兞瘝欽雵餧妴 輑剪瘝倰帿遤

4、荈魧翫緸兞鳴絁絁兞 遤翫緸兞+輑翫緸帿罭歏劥欰崞爢瘝 兞獤稡涸餴彂 遤荈魧?shí)淁p 助嶊餩兞遤呏荈涸餴彂鸑鵂荈罏涸倰輑臘 翫緸餴臘 帿罭湬絈鳴劥暵蒀剪崨饒翸搋嶊餩欰o2o遤翸倝涸磋騗歲纈銻幷渷鷳?zhàn)S暟繠獤瘝 倰鸑鵂嵐遤劥晥鳴劥暵蒀涸欽 嵙AP遤P呍欽匣嵙蔭鷥蘭禹臘絡(luò)餝鸑涸 禹絡(luò)臘梡 嵙字臘欰遤欰兞蜦劌梡涸嶊畮餩嶊餩鵳罜輑梡剪涸兞偽綟 鵶涸雮餴欽彂侮鳴劌礵佪涸兞輑剪 慨猰倝崞2022/5/49遤獤匧輑兞剪 遤兞兞劼遤涸輑兞勻溏欰崞綶餩繠鸑遤佟 字瘝嶊餩兞剣銻渷劼遤氋鵳絁寵涸兞鵳姿幷鷳毫侅肫瘝 輑兞欰餿勻餿遤欰崞綶餩劼霢瘝宐歏敍孞餩 繠歏康鸑遤遤瘝鸑縇妴鯊綶餩 假佟字欽獤爢傞 綶玘輑e餝餛 遤欰敍崞孞綶

5、餩餩軍餩劼歏霢餩餩瘝歏餩宐 餩繠欰瘝牰牰餛 渱鸑遤鸑縇妴鯊綶餩 佟傞字歏爢爢獤玘 叅欽霧餩餩 瘝傞暵瘝遤欰崞軍綶餩餩瘝劼餩歏餩宐餩敍孞餩 繠牰牰 兞挿瘝摳鸑鯊牰遤導(dǎo)鯊牰ETC剪 劼牰佟獤字歏爢爢剪剪 蚋鷐吥侅肫吥綶餩毫絁餝蚋匧鳥 霏霃遤欰崞軍綶餩餩獆劼歏霢餩歏餩宐餩敍孞 餩繠怵牰蝲歏牰渱 欰繠偽鸑佅遤劼命摳鯊牰瘝鸑縇妴ETC 剪佟歏爢字爢獤欽鷍玘 玘玘剪毫瘝唬紨氋蕐紨 餩吥侅剪肫鄳?zhàn)_雲(yún)餩勇餩綶餩遤欰餩崞綶餩軍餩瘝劼餩歏餩宐餩敍 孞繠歏牰繠 瘝鸑遤鯊欰崞屘 鯊瘝佟字欽爢瘝獤歏 爢毫唬紨絁霏 瘝嵐遤欰歏崞錠綶餩餩瘝劼餩宐歏敍孞餩餩 繠歏牰鸑遤雧瘝緸紨鯊鯊劼牰摳鯊 牰佟妴綶紵字餴爢港盜獤霆綶紵 玘瘝

6、綶餩呩毫臼椚絁霏 瘝吥侅肫勇餩吥 鸑劼遤慨猰倝崞2022/5/410遤鰍傍鸑遤欰崞剪瘝欽 兞2020欽鯊22.6%遤2霃4.0%遤18.8%遤務(wù)17.4%遤齱8.5%遤4鸑.0%遤14.7%遤8.5%遤1.5%遤0嵐.8%遤0.4%遤鸑遤鸑11 210 38.0%7.5%3.2%2 37.3%3.8%0 432導(dǎo)鯊鵵畎33.7%38.2%35.7%22.8%16.3%5.1%15.1%10.2%1.2%0.8%0.4%鳥遤6.2%7.1%8.5%4.4%3 20 82.6%3 5010欰崞剪絾20.2%22.3%19.0%14.5%9.5%3.3%11.2%6.3%0.8%0.5%0.3%欰崞

7、剪/雧13.9%12.4%11.1%7.7%4.6%2.5%8.4%4.8%0.6%0.3%0.2%牰12.4%10.9%7.7%8.5%2.7%2.7%10.2%4.1%1.0%0.5%0.3%爢叅霧23 22 8516.1%11.4%4 08 0442佟剪 蘭臘熾佟剪12.3%14.4%14.3%9.5%8.5%1.7%5.7%3.6%0.2%0.3%0.1%蘭臘12.3%10.9%9.3%6.7%3.9%1.9%7.6%4.0%0.6%0.3%0.2%鸑雴傞鸑雴29.7%25.6%21.3%16.1%9.1%5.0%20.2%10.0%1.4%0.7%0.5%遤鰍傍鸑遤剪兞 劼遤霃縨鸑遤

8、杝用 霪僽鸑遤勉渤劵呍 涸遤剪翸呏椚縨 鵳遤虛佅緸紨鯊鯊 鵘餝牰涸貓遤剪 姼鵮忹忹遤用鯊用瘝鸑鵂 欽遤剪稡獤玐獤 玐劵欽欰崞劌2012 霃遤檜鳴劼遤 欰崞劵鵳姿纈欰崞 傈欰崞寵劵傈綶餩兞鵮/ 劼牰兞挿牰瘝牰 雧瘝貓呋涸剪兞獤欽勻湱勉 渤慨猰倝崞2022/5/411假康毫瘝務(wù)遤鳥挿 兞2020絾假康雧遤17.5%霃遤19.2%遤15.5%務(wù)遤12.5%齱遤7.6%鸑遤2.8%遤9.4%遤5.1%遤0.9%嵐遤0.6%遤0.3%假康導(dǎo)鯊摳鯊菺牰雧23.7%9.7%22.8%8.9%18.93%14.6%8.1%8.113.9%5.2%6.41.0%0.5%0.4%獴餝暟欰歏15.6%13.2%9.

9、6%9.2%4.3%3.5%13.0%6.0%1.6%0.6%0.6%湬錠16.1%14.1%11.7%8.6%4.3%2.9%10.3%4.3%0.7%0.4%0.3%錠 錠湬乄瀊錠絾 湬乄9.3%1.9%8.6%2.0%8.4%2.3%4.9%3.7%2.0%5.0%1 23.3%0.3%0.2%0.1%獴K姐15.5%14.8%14.9%8.9%6.9%2.2%7.8%4.6%0.5%0.3%0.2% 獴靀剣17.1%19.2%16.6%11.7%629 14 7862絾靀4.6%5.4%5.3%3.4%2.9%0.7%2.2%1.5%0.1%0.1%0.1%侅肫務(wù)留碫侅肫14.27%1

10、2.0%3.8%13.46%2 42.1%0 9%8.8%1 6%0.10.10.1%翟侅肫9.7%10.6%8.1%6.9%3.2%1.0%5.1%2.5%0.3%0.2%0.1%絁霏19.8%17.4%16.7%11.9%8 13 410.5%13.5%853毫鵘8.8%9.8%7.8%6.6%3.9%1.1%5.0%2.3%0.4%0.2%0.1%遤鳥毫兞幷鷳氋鳥遤僑鵳玐翫緸毫寵慨毫獤匧劼遤欽絁霏 氋剪瘝湡兞垷劵貓 痦倰絁毫剪 遤荈模兞 遤假康輑兞 絑崸2020假康氋 劵假康玐 遤遤瘝遤絁 崞邉餤慨假康嶊餩假康遤藹傞遤倗剪鴝歲 假欽輑+假康兞遤輑+毫兞康+輑兞慨猰倝崞2022/5/412

11、遤獤匧匬倝呔倗劼遤欰崞 兞2021遤劵鵳姿釁錞涸僑涸銳爙礵牟騨遤兜輑剪椚 匬梠劵梠湱鵳涸倝呔遤劼遤絯鳴欰崞兞 牰牰劼牰兞挿鯊瘝欰崞剪2022遤劼遤挿絗佟字遤剪毫字綶餩瘝倰鳴遤暵蒀 欰兞佟字毫欽畀 爢勉渤叅霧佟兜輑瘝用絁7x24傞蚋佅餝蚋匧鳥鷐鴪欽餘涸盜椚剪 遤字綶餩佅鯊鯊 剪劼牰遤瘝剪 剪歲剪 椚昶翟 瘝勉渤剪欰崞兞忘駈欽呋涸傈綶餩寵佅絁綶紵霢餩宐餩歏餩敍孞餩瘝稡雦110綶餩剪慨猰倝崞2022/5/413遤帿罭挿兞猰餻臘鳴輑+ 輑用兞欰禹遤絯輑猰餻臘宐佟毫遤瘝絡(luò)倗鵳兞欰霃 猰涸帿輑剣暵蒀涸欰獤匧佅絑崸劌涸輑剪 鵳罜鳥遤僑 鯪姿餻臘輑輑猰欰兞輑剪綶餩佟輑剪遤宐歏餩鸑敍孞餩爢獤劼牰摳鯊牰鯊剪霢餩兜

12、輑歲剪椚昶毫絁餝蚋匧鳥霏蚋鷐牰兞挿繠鷻侅肫餖叅霧餴椚餒餖錢椚餒餴餏絕匬妴餴僈絈崨宐鯪餖宨妴鯪餖宨妴鯪鯪餖雵餧妴餧妴餧妴檜涸餧妴餧妴雦皾輑字餝宨絕宨宨晥絁皊霆?dú)J涸餖鳥鵮妴欽慨崞餖劍慨猰倝崞2022/5/414嵐遤劼遤獤匧兞 兞霃嵐遤絗遤梖餝 痦倰剪絯模輑兞絗欽假玐劌涸輑剪欰崞碫輑 剪劵鳴蘭臘獴涸畀剪 崨+鯪嵐遤傈欰崞兞欰崞字 崞傈鯪餖瘝劵崨輑猰峯纈涸寵 剪鯪檜慨猰倝崞2022/5/415嵐遤匬兞欰B畮C畮輑剪臘 嵐遤餴彂遤剪幷鷳鵳欰劍涸梠蒜務(wù)輑剪臘匬B畮C畮兞欰鵮鸑 鵂佞+匬餒佞程餒絑蠒倝垷鵳罜霟倰輑 寵嵐遤倝鵘欽猰餧餧 騗歏瘝輑 畀絾輑剪 佪涸匬輑+輑 涸剪欰禹嵐遤枾滾歏 假遤毫字欰崞假遤 鯊

13、瘝兞倰匬巑渷遤鯊欰崞餝暟涸8兞欰 B畮僑蘭鯪帿慨猰倝崞2022/5/416餻臘嵐遤吥 涸暵挿OA禹絡(luò)鲿鱈蘭瘝輑臘匬餒佞呍纈佅絓 涸劍剪兞欰C畮B畮遤欰崞兞匬絑蠒剪欰 遤欰崞兞絁岌輑欰崞剪e鸑鵂絁緸挿涸霃梡緸挿APP 兞 瘝絁絁庈麤翫蜦崞媯傞遤絯岌輑剪欰翸搋牰字剪 暵蒀兞劵涸欰崞剪劵涸蜦崞絑蠒剣佪 2021e剪劥 餛58牰匣餛100 佞輑兞岌鍘鴪翫緸纈 2021剪翫緸鵛2,400劼遤劵帿罭翫緸涸絯絑蠒 剪倗涸絑蠒剪 臘慨猰倝崞2022/5/417遤勱勻饞 03氋傞兞欰遤僑鳥瑲 騟劼遤劵鵶涸兞欰劵氋傞遤僑鳥瑲騟氋鳥輑猰涸輑輑剪 絁絁鵂庋獴輑剪兞絁絁絁輑鷶幯涸欰崞兞帿輑欰倝 倝寵涸兞氋傞遤鵳姿輑兞帿涸欰崞兞剪寵劵劼遤欽涸欽檜磨 涸鵳罜劵遤僑紩涸瑲騟絗輑輑兞劼遤鵶欰帿罭兞鵶侮餴彂欰兞欰崞兞帿 B畮餻臘G畮瑲C畮剪 輑+猰+欰崞+涸欰岌鵶兞銻渷輑剪倰偽 綟輑假玐畮畮欽兞兞欰餻臘輑銻渷帿罭餘兞荈蜦欽務(wù)礵絈剪 帿猰餻臘蘭臘剪欰佞欰帿慨猰倝崞2022/5/419罭兞欰餻輑瑲臘輑絯帿罭兞霃匬輑兞欰鵳絑崸 佅輑餻臘猰5G僑雦皾AI蘭臘 瘝佅綶餩佟假康毫爢吥渤遤歲餖鯪餖餧妴椚餒欽餻臘兞遤絯劵務(wù)輑欰絗邆遤涸欰崞寵匬庈麤剪輑