中国工商银行
75
Quality Score
Strong
中国工商银行
by Industrial and Commercial Bank of China
High confidence
✍️ Bumetric analysis
“
中国工商银行 is an iOS app from Industrial and Commercial Bank of China in the Finance category, currently rated 4.8★ across 27,467 ratings. Initial signal reads as mostly critical sentiment so far: users flag rough edges and unmet expectations.
Quality Score is 75: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
163 snapshots on record
Rating
4.8
Reviews
27,467 reviews
Forecast Revenue / mo
$5.0K
Snapshots tracked
163
since Mar 2011
ONE-TIME · BUILD
💰 Estimated build cost
$240K
↳ What it cost to build · not monthly revenue
Likely range $180K – $325K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~4.0y at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (499 MB) | +$40K |
| ⚙ Finance complexity ×1.60 | +$54K |
| ⚙ 15.6y maintenance × ~1-person team | +$93K |
Total estimate
$240K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$125K
↳ What it would sell for · not monthly revenue
Marketplace range $100K – $150K · 24× MRR multiple
💸
~0.5× build cost (under-water)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 15.6y proven track record | +20% |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
Final multiple
24× MRR
👥 Estimated audience size
1.1M
Lifetime downloads (US-equivalent)
Monthly active
64K
Daily active
25K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 15.6y of rating accumulation | -30% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 55%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 499 MB |
| 🏷 Category context | Finance |
| 📦 Large iOS bundle | → Native Swift / UIKit (pre-2020 era) + assets |
💀 Maintenance status
Active
15%
Last shipped 2026-09-02 · 61 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 61 days since last update | Healthy release cadence |
Verdict
Active
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 48/100MID TIERunderperforming peersGrowth Velocity
5.0
Founder Strength
3.0
Product Quality
9.5
Revenue Strength
3.7
Monetization Maturity
1.0
Defensibility
4.5
Market Position
2.0
Operational Safety
10.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.75★ across 27,467 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 7 of 7 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Mid install base (27,467 ratings)METRIC | +$5,500 | |
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| Mature app (15y old)METRIC | +$1,500 | |
| slowREVIEW | −$1,200 | |
| support teamREVIEW | +$900 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v11.1.0.8.0
1、重置登录密码：增加NFC识别认证选项；
2、刷脸认证：支持国家网络身份认证服务；
3、信用卡：优化信用卡换卡领卡服务；
4、扫码取号：支持手机银行免登录便捷扫码取号；
5、隐私政策：《工银融e行个人信息保护政策》内容有调整，并已于2026年6月16日发布生效。
注意：
1、本期上线后，手机银行2025年8月版及以前版本需要升级；
2、手机银行app不保证完全适配pad平板；
3、iOS需要升级至11.0版本。
2、刷脸认证：支持国家网络身份认证服务；
3、信用卡：优化信用卡换卡领卡服务；
4、扫码取号：支持手机银行免登录便捷扫码取号；
5、隐私政策：《工银融e行个人信息保护政策》内容有调整，并已于2026年6月16日发布生效。
注意：
1、本期上线后，手机银行2025年8月版及以前版本需要升级；
2、手机银行app不保证完全适配pad平板；
3、iOS需要升级至11.0版本。
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- 中国工商银行
- Developer
- Industrial and Commercial Bank of China
- Bundle ID
- com.icbc.iphoneclient
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 17+
- Languages
- EN, ZH
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $5.0K/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth31,176 ratings+10613% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
🚀Update Frequency · Releases per Quarter5 releases tracked
🚀Version Release Timeline5 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
工行手机银行智享+1.0
从心出发 共绘未来
一、智慧服务 加倍随心
工小智：更懂您的金融管家，对话式业务模式、产品获取、问题咨询，让智慧服务如影随形。
简版：业面化繁为简，功能易用如初。
二、财富成长 加倍贴心
财富管理：理财收益全景展现，投资决策更从容；优选产品科学配置，投资轻松驾驭。
天天盈：扩容超过百支，使用场景更丰富，财富管理更加方便。
公益理财：捐赠全部超额收益，获取捐赠证书票据，让爱双向奔赴。
节气存单：每个节气，存一笔心意，陪伴你度过一年四季。
三、惠民消费 加倍省心
智享惠民消费新主张：从消费到融资，省钱省心一站解决。
消费贷款财政贴息更实惠，助商组合贷经营无忧，分期支付无缝衔接，借、查、还、管全流程体验升级。
四、缤纷权益 加倍欢心
智享权益生态新福利：玩转积分兑权益，福利天天有惊喜。
工银i豆查积分、赚奖励、兑好礼，一站式权益中心，零门槛精彩福利。
五、安全守护 加倍放心
智享风险防控新保障：三重盾牌防范风险，资金守护牢固如山。
生物识别与硬件加密双保障，国家网络身份认证+数字证书升级+NFC芯片级防护。
从心出发 共绘未来
一、智慧服务 加倍随心
工小智：更懂您的金融管家，对话式业务模式、产品获取、问题咨询，让智慧服务如影随形。
简版：业面化繁为简，功能易用如初。
二、财富成长 加倍贴心
财富管理：理财收益全景展现，投资决策更从容；优选产品科学配置，投资轻松驾驭。
天天盈：扩容超过百支，使用场景更丰富，财富管理更加方便。
公益理财：捐赠全部超额收益，获取捐赠证书票据，让爱双向奔赴。
节气存单：每个节气，存一笔心意，陪伴你度过一年四季。
三、惠民消费 加倍省心
智享惠民消费新主张：从消费到融资，省钱省心一站解决。
消费贷款财政贴息更实惠，助商组合贷经营无忧，分期支付无缝衔接，借、查、还、管全流程体验升级。
四、缤纷权益 加倍欢心
智享权益生态新福利：玩转积分兑权益，福利天天有惊喜。
工银i豆查积分、赚奖励、兑好礼，一站式权益中心，零门槛精彩福利。
五、安全守护 加倍放心
智享风险防控新保障：三重盾牌防范风险，资金守护牢固如山。
生物识别与硬件加密双保障，国家网络身份认证+数字证书升级+NFC芯片级防护。
App Specs
🔐 Own this app? Claim & verify MRR →💾 499 MB🔞 17+📱 iOS 11.0+🔖 v11.1.0.8.0🔄 updated 2mo ago🌐 EN, ZH📂 Finance💰 Free🚀 Launched 2011 (15y old)
📅
What Worked™ · Development Pipeline
15 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-09
🔧
Shipped update — v11.1.0.7.0 → v11.1.0.8.0
→ 30 days after: reviews +1,903 high confidence
2026-07
🔧
Shipped update — v11.1.0.6.0 → v11.1.0.7.0
→ 30 days after: reviews +1,183 high confidence
2026-07
🔧
Shipped update — v11.1.0.5.0 → v11.1.0.6.0
→ 30 days after: reviews +991 high confidence
2026-06
🔧
Shipped update — v11.1.0.4.0 → v11.1.0.5.0
→ 30 days after: reviews +748 high confidence
2026-05
🔧
Shipped update — v? → v11.1.0.4.0
→ 30 days after: reviews +1,067 high confidence
2026-04
📈
Crossed 500 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +721 high confidence
2026-04
⭐
Rating ↑ 1.88 → 4.75 (improved 2.87★)
→ 30 days after: reviews +721 high confidence
2016-03
📈
Crossed 100 ratings — social-proof flywheel kicking in
2014-07
📈
Crossed 50 ratings — social-proof flywheel kicking in
2014-07
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.06★ high confidence
2011-04
⭐
Rating ↓ 4.25 → 3.82 (dropped 0.43★)
2011-03
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating −0.43★ · reviews +5 low · multiple changes
2011-03
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.43★ · reviews +5 low · multiple changes
2011-03
⭐
Rating ↓ 4.71 → 4.38 (dropped 0.33★)
→ 30 days after: rating −0.43★ · reviews +5 low · multiple changes
2011-03
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating −0.43★ · reviews +5 low · multiple changes
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 4.80856★ | 9,565 | 4.80856★ this version |
| 🇧🇷 BR | 4.77332★ | 225 | 4.77332★ this version |
| 🇨🇦 CA | 4.81684★ | 10,538 | 4.81684★ this version |
| 🇩🇪 DE | 4.73747★ | 1,177 | 4.73747★ this version |
| 🇫🇷 FR | 4.73874★ | 1,022 | 4.73874★ this version |
| 🇬🇧 GB | 4.75087★ | 2,878 | 4.75087★ this version |
| 🇮🇳 IN | 4.76★ | 75 | 4.76★ this version |
| 🇯🇵 JP | 4.70838★ | 8,374 | 4.70838★ this version |
| 🇺🇸 US | 4.74464★ | 31,838 | 4.74464★ this version |
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for 中国工商银行: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why high confidence: 27,467 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does 中国工商银行 make per month?▴
Based on our ML-calibrated revenue forecast, 中国工商银行 earns approximately $5.0K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is 中国工商银行 profitable?▴
With estimated build cost $240K and monthly revenue $5.0K, 中国工商银行 looks slow ROI — payback period is around 4.0 years at the current run-rate. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does 中国工商银行 have?▴
Estimated audience: ~1.1M lifetime downloads, ~64K monthly active users, and ~25K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like 中国工商银行?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is 中国工商银行 built with?▴
Our heuristic places 中国工商银行 on the Native iOS (Swift / UIKit) stack (Medium confidence, 55%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is 中国工商银行 still actively maintained?▴
Maintenance status: Active (15% abandonment risk). Last shipped version was 2 months ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would 中国工商银行 sell for?▴
Estimated acquisition value: $125K (marketplace range $100K – $150K). Calculated as 24× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was 中国工商银行 last updated?▴
中国工商银行 last shipped a new version on 2026-09-02 — 2 months ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes 中国工商银行?▴
中国工商银行 is published by Industrial and Commercial Bank of China on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is 中国工商银行's BU Score?▴
中国工商银行 has a BU Score of 75/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.