The e-banking department has the most online channels in the bank, such as mobile banking, online banking, WeChat direct banking, etc. After years of operation, many accurate user behavior data, device information, address, and transaction data have been accumulated. These data have produced high commercial value due to their authenticity, high quality, a large amount of data, and fast circulation. However, due to various reasons such as insufficient technical reserves and insufficient business sensitivity for a long time, it is difficult for these data assets that have accumulated millions of customers to exert practical value.

The financial application development platform builds a platform in the field to solve the application's standardized and efficient development. It does not need to build from scratch. It can be customized based on the platform quickly, improving the quality of the application system, reducing the development cost, and shortening the development time through the platform.

As public fund investment grows, banks and insurance companies help interbank customer resources and general fund evaluation systems. High-quality products are integrated and sold to internal interbank institutions through online channels.

The middle station platform is designed according to the service concept of business architecture. It is divided into a distributed framework of external access layer, ATS service, internal access layer service, ACS service, and BOS service, which provides essential services for other services.

To implement the spirit of work requirements of the smart bank information system construction, adhere to the goal-oriented and problem-oriented approach, strengthen the project's actual effect, and effectively solve the customer experience problems. Head office focused on customer experience and process optimization, and improvement work. This project proposed to optimize and solve the related problems. This project intends to realize the optimization of the interface and functions of the mobile banking fund column. To reorganize the clean face, the mobile banking fund column has more complete functions and smoother operations to further enhance the customer experience.