青岛农商银行直销银行 is a free iPhone application developed by Qingdao Rural Commercial Bank. It falls under the category of Business & Productivity with a subcategory of Finance. This application aims to break away from the traditional brick-and-mortar banking model by expanding its customer base through internet channels.

The app offers a clear target audience, with simple and convenient products. It focuses on customers who are limited by physical space and prefer modern investment options. The product design emphasizes simplicity and affordability. The main offerings include the "农商宝" balance wealth management product, which is linked to a money market fund. It has low entry requirements, no purchase restrictions, real-time withdrawal, and daily compound interest. Additionally, the "开鑫存" savings product allows users to start with as little as 50 yuan and withdraw funds whenever needed. Lastly, the "开鑫赚" bank wealth management product provides a more convenient channel for Qingdao Rural Commercial Bank's counter-signed customers to purchase bank wealth management products.

The app also prioritizes user convenience by providing an easy-to-use website and mobile client, catering to the habits of internet users.