As with product innovation, China Merchants Bank, China Citic Bank, and Zhongyuan Bank Co., Ltd. released a new edition of mobile banking client, in an attempt to render diversified products and services more intelligent and to improve customer experience at the same time by enhancing FinTech apps. China Merchants Bank’s App6.0 went alive, comprehensively upgraded wealth management channels, constructed a pattern integrating branches, apps and scenes, realized pan-platform intelligence, launched new interactive design, CMB UI, and initially put forward the concept of mobile financial brand that “Each cent deserves”. China Citic Bank released a new edition of mobile banking client, upgraded customer experience, launched personal intelligent financial service, realized multidimensional safety guarantee, and initiated robo-adviser products. Zhongyuan Bank Co., Ltd. also released the mobile banking client of Version 4.0 and promoted robo-adviser, intelligent lending, AR account statement, etc. by a series of means like big data, cloud computer, augmented reality, face recognition, and fingerprint verification. In addition, ICBC made its robo-adviser, “AI Investment”, go alive. The service featured humanized and simple operation. “AI Investment” can analyze the trends of the markets such as stock market and bond market and provide fund portfolio schemes by intelligent investment models as long as clients select the specific investment risk grade and investment period.