Evaluation results
Evaluation report
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Section fifteen stage 
China Merchants Bank Palm Life 90.610 points From version 1.0 in 2010 to version 9.0 in 2023, the handheld life app has developed from a "credit card toolbox" to a "super ecosystem", which can be regarded as an excellent student and a benchmark for the development of the credit card industry. Hundreds of millions of users have a strong foundation and strong service ability Facing the uncertain future, what's the next step for China Merchants Bank's handheld life app? Individual score -
User experience -
36.535 points /40 points -
Functional Services -
33.525 points /35 points -
Performance safety -
12.575 points /15 points -
Development and innovation -
7.975 points /10 points
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Section fourteen stage 
Bank of Communications, pay the bill 88.795 points Compared with the previous evaluation, the functions of the Paybar App were relatively complete, and the convenient service was further improved. The "hottest Friday" was attractive to some extent. The search was optimized but still not perfect, and the operation level of the event also had room for improvement. It is a little pity that the card holder notes that Can the App go further if Bank of Communications pays the bill? Convenient service has been improved, and search interaction still needs to be upgraded Individual score -
User experience -
36.225 points /40 points -
Functional Services -
33.075 points /35 points -
Performance safety -
12.750 points /15 points -
Development and innovation -
6.745 points /10 points
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Section thirteen stage 
Pudong Development Bank Pu Daxi Ben 86.975 points Compared with the last evaluation, the big print version of Puda Xiben App has been optimized, the message interaction has been further improved, and the small component service is relatively convenient. Unfortunately, the cloud cash withdrawal and other functions have not been improved, and the manual customer service still does not support quitting halfway. The search interaction is also flawed, and the channel Is Pu Da Xiben App easier to use? The functions and services are comprehensive, but the characteristic advantages are weakening Individual score -
User experience -
34.400 points /40 points -
Functional Services -
31.025 points /35 points -
Performance safety -
14.175 points /15 points -
Development and innovation -
7.375 points /10 points
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Section twelve stage 
Postal Savings Bank Postal Savings Credit Card 78.725 points Compared with the last evaluation, the Postal Savings Credit Card App has been upgraded, improved customer service interaction, optimized new card services, and "50% discount on Saturday" is also attractive. Unfortunately, the repayment of other banks' cards is still to be improved, the search interaction is still insufficient, and the equity services are also available Can the Postal Savings Credit Card App make a good thing happen? The interface experience is renewed, but some interactions are not smooth Individual score -
User experience -
32.475 points /40 points -
Functional Services -
28.350 points /35 points -
Performance safety -
12.900 points /15 points -
Development and innovation -
5.000 points /10 points
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Section eleven stage 
Mobile card space of CITIC Bank 86.900 points Compared with the last evaluation, the mobile card space app has been upgraded, the "elder version" has been optimized, the payment and other functions are commendable, and the message interaction has also been improved. Unfortunately, there is still room for optimization of the repayment journey, card management is not perfect, and privacy management is still available Can the mobile card space app of CITIC Bank impress users? Some functions are commendable, and individual trips can still be optimized Individual score -
User experience -
34.050 points /40 points -
Functional Services -
33.075 points /35 points -
Performance safety -
12.725 points /15 points -
Development and innovation -
7.050 points /10 points
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Section ten stage 
Colorful life of Bank of China 70.025 points The Colorful Life App has been upgraded to version 6.0, and some cloud flash payment scenarios have been accessed, which has optimized the cancellation journey, search interaction, etc., but each of the three interactive experiences has its own shortcomings, card management, billing services, and other functions still need to be improved, and the operation ability of activities and rights needs to be strengthened How about the new version of Bank of China Colorful Life App? Each of the three interactions has its own shortcomings, which still needs to be systematically improved Individual score -
User experience -
28.575 points /40 points -
Functional Services -
24.175 points /35 points -
Performance safety -
12.750 points /15 points -
Development and innovation -
4.525 points /10 points
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Section nine stage 
People's livelihood of Minsheng Bank 84.275 points Compared with the last evaluation, the Nationwide Life App was upgraded to version 10.0, the interface architecture was restructured, the rights channel was added, and some problems were optimized. However, the details of individual functions were not perfect, and the system integration of billing related services also had room for improvement. In particular How powerful is the new version of "10" of Minsheng Bank's credit card app? There are new ideas and challenges, and the details still need to be worked out Individual score -
User experience -
34.150 points /40 points -
Functional Services -
30.975 points /35 points -
Performance safety -
12.450 points /15 points -
Development and innovation -
6.700 points /10 points
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Section eight stage 
Bank of Beijing Palm Beijing Color 72.275 points Compared with the last evaluation, the handheld Jingcai App has optimized card management and other functions. Activities such as "Monday Charging Day" have certain attraction. Search interaction has improved but is still not perfect. There is still a gap between customer service interaction, equity services and peers, and some interaction problems are not very good The fluency of BOB's handheld Jingcai App is poor, and the problem of "sinking underwater" still needs to be solved Individual score -
User experience -
28.725 points /40 points -
Functional Services -
26.500 points /35 points -
Performance safety -
12.975 points /15 points -
Development and innovation -
4.075 points /10 points
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Section seven stage 
Everbright Bank Sunny Life 74.595 points In general, the functions of the Sunshine Life App, such as one click card binding and bill filtering, have been optimized. "About Friday" has certain attraction, but there are still many user experience problems. The guidance connection after the journey is blocked needs to be improved. In particular, the rights and interests service needs to be strengthened Is the user experience problem of Everbright Bank's Sunshine Life App still frequent "face changing" friendly? Individual score -
User experience -
30.075 points /40 points -
Functional Services -
27.425 points /35 points -
Performance safety -
12.345 points /15 points -
Development and innovation -
4.750 points /10 points
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Section six stage 
ICBC e-Life 68.350 points ICBC's e-Life App has been upgraded, and its life services have become more abundant, and its points and rights services have also been improved. However, the interactive experience such as search is not perfect, and financial services are still lagging behind. It is difficult to find and use multiple function points, which runs counter to "simple financial services" Can ICBC e-Life App make a better life within reach? There are many user experience problems, and financial services are lagging behind Individual score -
User experience -
27.150 points /40 points -
Functional Services -
25.475 points /35 points -
Performance safety -
10.750 points /15 points -
Development and innovation -
4.975 points /10 points
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Section five stage 
Huaxia Bank Huacai Life 77.885 points To sum up, the Huacai Life App has improved user journeys such as registration and login, optimized basic functions such as inter-bank repayment, and enriched life service scenarios. However, there are still shortcomings in the three interactive experiences, such as the convenience of card application and repayment functions. especially... Does Huaxia Bank Huacai Life App bring surprises? Basic functions have been optimized, and interaction experience still has problems Individual score -
User experience -
30.515 points /40 points -
Functional Services -
29.050 points /35 points -
Performance safety -
12.775 points /15 points -
Development and innovation -
5.545 points /10 points
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Section four stage 
Guangfa Found Wonderful 86.295 points Compared with the last evaluation, we found that the wonderful App's account audit and repayment service has been upgraded, and the search interaction and message interaction are more perfect, but the App has not yet achieved the integration of login/registration, the interface experience (especially common functions) still needs to be improved, and the interaction details are also flawed Does Guangfa find the wonderful app exciting enough? The interface experience needs to be improved, and the interaction details are flawed Individual score -
User experience -
33.645 points /40 points -
Functional Services -
33.025 points /35 points -
Performance safety -
12.950 points /15 points -
Development and innovation -
6.675 points /10 points
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Section three stage 
CCB Life 63.150 points As one of the "twin stars", CCB Life App has taken on the new mission of "life service platform" since its launch. Various life service scenarios are relatively rich, and various preferential activities are more attractive. However, from the perspective of life service app development, CCB CCB Life App has discount but no service, how far can "one leg" go? Individual score -
User experience -
23.750 points /40 points -
Functional Services -
23.500 points /35 points -
Performance safety -
11.275 points /15 points -
Development and innovation -
4.625 points /10 points
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Section two stage 
Industrial Bank Industrial Life 78.095 points Compared with the evaluation in 2022, the Industrial Life App has upgraded to version 2.4, launched the "Anyu version", optimized the registration and login journey, and strengthened the local preferential scenarios. However, there are still shortcomings in search and customer service, and interactive settings such as repayment also need to be improved Does Industrial Life App bring new experience? The registration and login have been optimized, and the functional services still need to be improved Individual score -
User experience -
31.895 points /40 points -
Functional Services -
28.175 points /35 points -
Performance safety -
12.725 points /15 points -
Development and innovation -
5.300 points /10 points
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Section one stage 
Better Life of Bank of Shanghai 70.525 points In general, the registration and login of the BEAUTY LIFE APP of BOC is relatively convenient, and the basic functions such as audit and repayment are acceptable, but the interactive experience of search and customer service is not perfect, and the functions such as quick payment management are also different from those of peers. In particular, the interaction experience after repayment, user encounter Is the Better Life App of Bank of Shanghai "better"? Search and customer service interaction experience is not perfect Individual score -
User experience -
27.800 points /40 points -
Functional Services -
26.750 points /35 points -
Performance safety -
12.525 points /15 points -
Development and innovation -
3.450 points /10 points
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Evaluation criteria
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User experience forty branch -
Functional Services thirty-five branch -
Performance safety fifteen branch -
Development and innovation ten branch
Past reviews
Sina Financial Evaluation Room
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