恆生銀行(00011.HK)手機App置入智能儲蓄規劃工具
恆生銀行(00011.HK)早前進行一項市場調查,訪問了超過1,000名年齡介乎18至64歲的香港消費者,結果顯示大部分消費者仍然使用人手記賬或以電腦表格的方式管理個人財務。他們認為現時的預算或記賬工具並不方便使用,尤其是使用者需定時自行更新所有支出和消費細項,以人手輸入及整合各個賬戶的資料。
有見及此,恆生在其手機應用程式內,開發了一項創新的智能儲蓄規劃工具「SavingPlanner」,自動整合客戶的恆生戶口及信用卡支出,方便客戶訂立儲蓄計劃和管理支出項目,以便更有效地實現旅遊、購物、投資等不同的儲蓄目標。
恆生3月開始已率先邀請部分客戶嘗試簡便易用的「Saving Planner」。這項智能儲蓄規劃工具內置於恆生的手機應用程式。客戶在輸入每月收入和設定儲蓄目標後,工具會自動連結客戶的恆生銀行戶口及信用卡賬戶,並會自動匯入所有支出紀錄並作分類,無需再以人手逐一輸入和記賬,客戶更可一目了然地看到自己的消費花在哪裏。同時,「Saving Planner」亦會定時向客戶發出通知,提示客戶登入賬戶了解儲蓄進度及查看預算,有助客戶達成良好的儲蓄習慣。
因應客戶對資訊保安水平的要求較高,「Saving Planner」可提供更加安全可靠的服務,客戶無須向外提供個人賬戶資料。
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