• Journal of Digital Policy
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• v.2 no.1
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• pp.1-7
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• 2023

In China, commercial banks have launched mobile banking one after another, and the homogeneous products make the competition of mobile banking extremely fierce. Mobile banking monthly active users (MAU) is an important indicator to evaluate the operation results of mobile banking. How to improve mobile banking monthly active users is a problem faced by commercial banks. The purpose of this study is to explore strategies to increase monthly active customers of mobile banking with the help of vending machines. This research is carried out through the literature method and case method. The research results show that the use of vending machines can not only effectively increase the monthly active customers of mobile banking, but also realize the differentiation strategy to occupy the mobile banking terminal market. At the same time, this study is helpful and instructive for commercial banks to develop their business.

• Journal of Digital Policy
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• v.1 no.2
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• pp.17-24
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• 2022

In China, the continuous promotion and coverage of scanning code payment has caused an imbalance in the coin market. Coin changers can not only alleviate this problem, but also affect the business development of commercial banks. Therefore, it is meaningful to study the coin changer. The purpose of this paper is to study the impact of coin changers on the business of commercial banks in China. Through on-the-spot visits and based on the manually collected customer data of Chinese commercial banks as the object, combined with the calculation method of financial indicators to conduct case analysis. The results of the study show that the coin changer has a positive impact on the business development of Chinese commercial banks. This paper provides feasible suggestions and new ideas for business development to Chinese commercial banks. At present, there are few related studies on coin exchange machines. This study combines the calculation of financial indicators to verify the policy results, which is the innovation of this study.