移动即时通讯软件的崛起,宣告了“微时代”的到来。据媒体最新数据,中国超过90%的网民通过手机上网,微信注册用户已达6亿人,并以每月2000万人的速度在增加。微信平台以其庞大活跃的用户群体、实时互动的客户体验、精准便捷的推送方式、全时空低成本的运营模式,造就了一个诱人的市场,也吸引了金融机构的关注。从开通信用卡微信服务开始,越来越多的银行纷纷抢滩微信平台,以图在移动社交 The rise of mobile instant messenger software announces the advent of “Micro Era”. According to the latest media data, more than 90% of Internet users in China use their mobile phones to access the Internet. Weixin registered users have reached 600 million and are growing at a rate of 20 million per month. With its large and active user base, real-time interactive customer experience, accurate and convenient push mode, and full-time and low-cost operation mode, WeChat platform has created an attractive market and attracted the attention of financial institutions. Since the opening of the credit card WeChat service, more and more banks have been stealing the WeChat platform in an attempt to move socially