The bank's pocket banking is guided by MAU, and the Agricultural Bank of China's pocket banking business has achieved leap-forward development, achieving an accelerated growth of quadrupling MAU in two years. Agricultural Bank of China takes Zhang Yin's development project as the carrier, and takes data-driven and agile iteration as the starting point to continuously optimize and improve the customer acquisition process. Efforts have been made to solve the problems of "breakpoints, blocking points and pain points" encountered by customers in the process of registration and login, which has achieved a great leap in the success rate and proportion of online registration and opened up a new situation for banks to obtain customers online. Transfer the ability of big data to the grassroots front line, and combine the real-time perception and real-time analysis ability of data with the scale advantage and personnel advantage of outlets through the innovative "intelligent welcome" platform to effectively guide account managers to carry out "face-to-face" handheld banking marketing. Agricultural Bank of China has continuously promoted the product innovation and service optimization of pocket bank, and established an attractive online financial service ecosystem, especially through data application, channel collaboration, human-computer interaction and other measures, so that customers can obtain products, enjoy services and interact more conveniently, quickly and satisfactorily.