Recently, China Financial Certification Authority (CFCA) released the 2025 Digital Banking Survey Report (hereinafter referred to as the Report), in which a comprehensive and multi-dimensional evaluation was conducted on the personal mobile banking services of 105 banks across China. The mobile banking of the Postal Savings Bank of China (PSBC) delivered exceptional performance, ranking first in the industry for three consecutive years in user experience and second in overall assessment.

The Report shows that PSBC’s mobile banking scored a total of 92.88 points in the overall assessment. Notably, it made remarkable progress in functional realization, cracking the top three with a score of 98.75 points. The function iteration of PSBC’s mobile banking is closely aligned with user needs and market trends. Fully leveraging cutting-edge technologies like AI, it scored full marks in many indicators, such as deposit management, money transfer and remittance, bill payment and top-up, investment and wealth management, foreign exchange, personal loan, security center and customer service.

Besides, PSBC continued to lead mobile banking in user experience. In terms of expert experience, it delivered outstanding performance in the assessment of such functions as deposit services, transaction details inquiry, wealth management, loan services and AI-powered customer service, demonstrating its strengths in intelligent and personalized interaction. In terms of existing users’ experience, PSBC’s mobile banking scored 90.20 points in referral rate based on an online survey, ranking first among state-owned commercial banks. In terms of new users’ experience, it topped the state-owned commercial banks for wealth management inquiry.