Jun 22, 2022
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Editor's introduction: The current development of Internet finance should not be underestimated. With the changes in the background of the market bulk sms service industry, such as the development of the sinking market, the vigorous development of online interaction, etc., the development status and user conditions of Internet financial apps will also change. The author of this article has made a competitive analysis report on two Internet financial apps, let us take a look. 1. Product Overview 1. Product Overview and Versions China Merchants Union Consumer Finance ., . (“China bulk sms service Merchants Union Consumer Finance”) is the first consumer finance company established under the framework of the . Mainland and Hong Kong Closer Economic Partnership Arrangement”. It consists of its wholly-owned subsidiaries Wing Lung Bank and China Unicom, holding 50% of the shares respectively. The company was approved for establishment in October 2014 and bulk sms service was approved to open in March 2015. This article mainly analyzes the China Merchants Union Finance App. China Merchants Union Consumer Finance has two APPs, "China Merchants Union Finance" and "China Merchants Union Good Futures Loan". The China Merchants Finance App is positioned as a pure online consumer finance platform, providing users with services such as cash lending, installment bulk sms service consumption, and interest-free shopping. This article involves the analysis of Internet product design, but is not limited to this perspective. The difference between Internet consumer finance apps and other apps is that the primary pain point of C-end users is to borrow money through this product. This bulk sms service means that if users cannot borrow money at all, even if the UI and information architecture are impeccable, in the eyes of users, this is still a substandard product. Therefore, the analysis in this paper will also involve other factors that affect the lending business. Experience version: V 5.18.2 2. Test environment Device bulk sms service model: Huawei P20 OS: Android 10 EMUI 10.0.0 Test Network: Mobile 4G 3. Reason for selection The author's career plan is to be rooted in the financial technology industry for a long time.