广州农商银行 7.3.1

Overview of Guangzhou Rural Commercial Bank

Guangzhou Rural Commercial Bank is committed to enhancing financial services for its clients. The bank continuously optimizes and improves its mobile banking functionalities to provide comprehensive mobile financial services.

The mobile banking service offered by Guangzhou Rural Commercial Bank allows users to access essential financial services through mobile devices, including smartphones and tablets. This service is available 24/7 for retail banking clients, private banking clients, merchants, corporate clients, and relationship managers.

The mobile banking platform focuses on two main themes: mobile finance and mobile living. Its functionality can be categorized into four primary scenarios: daily life, leisure and recreation, work and corporate management, and wealth management and inheritance.

In addition to basic services such as account inquiries, funds transfer, bill payments, and investment management, the mobile banking app also features innovative functionalities and personalized services. These include enhanced user experience, restructured business operation processes, custom service options, and additional value-added services. It integrates lifestyle elements such as online business halls, financing solutions, mobile payments, security measures, and overall mobile living experiences—aiming to establish itself as the main gateway and platform for the bank's mobile internet services.

Key features of the mobile banking service include:

• Convenience in Daily Life: Services like utility payments and mobile recharges
• Transport Services: Features such as designated driver booking and vehicle management
• Small Business Banking: Services inclusive of account management, payroll processing, expense reimbursement, and wealth enhancement
• Personal Wealth Preservation: Options for investment and fund management

Distinct characteristics of the mobile banking service are:

1. Safety and Reliability: The bank implements eight major security measures to ensure the safety of client funds including information encryption, identity verification, login password authentication, multi-layer password protection, transaction limits, reserved information protocols, and SMS notifications.
2. Rich Functionality with User-Friendly Operation: The service encompasses account inquiries, intrabank transfers, interbank remittances, investment management options, bill payments, and credit card services. It also provides a range of third-party value-added services such as securities market data and online shopping platforms—all designed for seamless usability.
3. Quick Account Setup: Users can swiftly register for the mobile banking service by downloading the app and following prompts on the login page; upon successful registration, they can easily access the full range of available services.
4. Fresh Aesthetic with Strong Personalization: Featuring a clean flat design with bright colors that appeal to younger internet users.