ICBC’s E-banking trading volume in 2014 has exceeded RMB 400 trillion, representing a year-on-year increase of nearly 20% and scaling a historical high. Meanwhile, E-banking has continued to be preferred choice for ICBC’s customers to handle business. As at the end of 2014, business volume handled via ICBC E-banking channel accounted for 86% of total volume, equivalent to that handled by over 30,000 physical outlets and 300,000 tellers.

According to an official with ICBC, the Bank currently has the largest E-banking customer base in China. As at the end of 2014, ICBC attracted 180 million personal internet banking customers, 140 million mobile banking customers and 110 million telephone banking customers, indicating full coverage of E-banking products and services in customers’ production, life and work. In recent years, ICBC has followed the trend of mobile internet development and smartphone popularization by building a mobile financial service ecosystem in terms of mobile banking, quick payment and financial social networking, which has further consolidated its leading advantage in E-banking area.

With respect to mobile banking service, ICBC has continued to enrich its mobile banking service features by launching characteristic services such as remittance via mobile phone number, cardless withdrawal, credit card application and train ticket purchase. It has also completed mobile banking product improvement and security upgrade and optimized business process and interactive interface to enhance service capability and customer experience of mobile banking. Moreover, ICBC has set an uniform login ID, login password, registered account and security authentication token for both personal internet banking and mobile banking channels, which has realized “one registration for two channels” and further facilitated mobile financial service.

Regarding quick payment, ICBC has launched ICBC e Payment based on the idea to ensure safety for large-value transactions and convenience for small-value ones, balancing both convenience and bank-side security. In 2014, the trading volume of ICBC e Payment reached RMB 54.8 billion, a year-on-year increase of eight times, well above the average growth rate of quick payment market.

In terms of financial social networking, ICBC introduced ICBC eConnect real-tine messaging platform, which set up a social circle between customers and customer managers, online customer service and resources in and out of ICBC to provide intelligent and quick services via voice, text, picture and video. With the rapid popularization and application of ICBC eConnect, ICBC has seen its mobile internet financial ecosystem come into shape, lifting marketing and service to the era of mobile social networking.