In 2023, the ** Financial Work Conference emphasized that it is necessary to do a good job in five major articles such as "digital finance" and accelerate the technological empowerment and digital transformation of the financial industry, which has become the only way to achieve high-quality development. On December 22, China Guangfa Bank officially released mobile banking 9The 0 annual version creates a personalized new online service experience based on customer needs, strengthens the supply of residents' wealth management services, and continuously meets the growing financial needs of the people.
Wealth accompanied, "wealth steward" wins trust with professionalism.
In the context of the implementation of new regulations on asset management, the transformation of wealth management net worth, and the fluctuation of the capital market, the business logic of wealth management business has quietly changed, requiring financial institutions to win the trust of customers with more professional service capabilities and accompany customers to increase their wealth. China Guangfa Bank practices the principle of "customer-centric", builds a product and service system that runs through the whole life cycle of investors, and focuses on the "buyer's perspective" to build the professional value of wealth advisory services. This is available in Mobile Banking 9Version 0 has been fully interpreted on the upgrade:
Comprehensively upgrade the wealth homepage. The functional layout of the page and the UI interface have been newly revised, creating three product columns of "Live Money Management", "Stable Financial Management" and "Advanced Investment", selecting the best from a large number of products to meet the needs of customers for cash management, short- and medium-term value preservation and appreciation, and long-term wealth accumulationLaunched the "1 yuan minimum investment" financial investment tool, investors do not need to choose the time, to achieve investment cost sharing, smooth volatility risk.
Iterate on the "Fortune" zone. New columns such as "Wealth Information", "My Attention" and "Recommended Attention" have been added, and a number of high-quality cooperative institutions have been introduced to create topics such as "I Know About Pension", "* Manager Please Answer", "Big Coffee Has Something to Say", "Index Weekly" and "Market Observation", so that customers can more conveniently obtain high-quality, professional and timely financial trends and investor education information.
Increase the supply of inclusive wealth. The real-time quick redemption limit of "Smart Gold", a flexible wealth management service of China Guangfa Bank, has been increased to 300,000 yuan, with a number of industry-leading functions, seamlessly and imperceptibly connecting investment funds and daily consumption payments, fully meeting the wealth management needs of young people who "need to spend money, save money, and make money".
Wealth management is not only about "winning now", but also about "winning in the future". China Guangfa Bank actively builds the third pillar of pension, and helps customers plan for the future and realize the preparation, pension and enjoyment of old age by building a mobile banking personal pension area, polishing the minimalist "second-level" account opening experience, putting on the shelves a wide variety of investment products, and providing interpretation of pension investment planning.
Accompanied by discounts, create a new way to play "money saving card".
In 2022, China Guangfa Bank launched the membership system "GF Wonderful Club", which provides customers with a wealth of rights and interests activities and consumption discounts in a hierarchical and classified group, and self-built and introduced more than 600 kinds of goods and services covering medical care, food, housing, transportation, entertainment, and comprehensive, so that customers can complete one-stop consumption scenarios such as supermarket billing, cinema reservation, and catering orders on mobile banking, and has served more than 3.3 million customers so far.
Ms. Li, a loyal member of GF Wonderful Club, was recently pleasantly surprised to find that China Guangfa Bank was once again "new": "I often use GF credit and debit cards to spend, and recently snapped up the bank's 'Hui' member money saving card, and there are reductions or discounts for card swiping and repayment every month, so I can easily get a few hundred yuan in benefits throughout the year," said Ms. Li.
Drawing on the value-added service business model of the integrated Internet platform, China Guangfa Bank launched a new membership benefit - "Hui" member money saving card on the occasion of the annual upgrade of mobile banking, and the first batch of money saving cards were quickly sold out after they were launched. Card purchasers can enjoy preferential benefits such as "GF Wonderful Club" credit card repayment coupons, consumption discounts, e-second loan interest rate coupons, and 6-point purchase gifts, which can effectively stimulate consumption vitality and promote customer activity and value enhancement through enriching new ways to "save money".
Caring and companionship, enhance the experience of diversified scenes.
The key to determining the quality of service companionship often lies in the ability to exceed customer expectations in high-frequency scenarios.
According to the "2023 China Digital Finance Survey Report" released by the China Financial Certification Authority (CFCA) a few days ago, more than 60% of users have used mobile banking services, and mobile banking is accelerating its penetration into life scenarios, evolving from "financial tools" to "life partners". It is typical to use payment and settlement services to cut into life scenarios. GF Mobile Banking90 The new "Payment Manager" is connected to more than 2,500 water, electricity, gas, heating, TV, property and other payment units across the country, and the "one-click check" service is innovatively created to solve the pain points such as many types of payment, scattered payment entrances and datesFor credit card repayment scenarios, we have created a "Repayment Treasure" product to provide worry-free automatic repayment services and instant discounts.
In addition, continuous improvement of the convenience and experience for the elderly is one of the key points of the mobile banking upgrade of China Guangfa Bank year by year. As early as 2020, based on the scenario of "smart help for the elderly", China Guangfa Bank took the lead in launching the elderly version of mobile banking for the elderly, aiming at the common pain points of the elderly customers, such as "not being able to see the screen clearly and not being able to use the function". Up to now, GF Mobile Banking has successively launched large-font display of commonly used functions in the service interface, support for screen reading functions, and the launch of AR voice assistants and other functions suitable for the elderly, so as to improve the convenience and experience of the elderly customers, and strive to bridge the "digital divide".
Accompanied by wisdom, we will innovate the interaction mode of digital services.
With the advent of ChatGPT, how to use large language models and generative AI to promote the simplification of functions and improve the service experience has become a new trend in the upgrade of mobile banking.
This mobile banking 9In the 0 version update, China Guangfa Bank will combine artificial intelligence and digital human technology, iterate the way of interaction with customers, and launch the "digital employee" service, when customers browse financial products such as wealth management on mobile banking, there will be a sweet smile, full of affinity of digital employees to accompany the whole process, 7 24 hours ** to provide companion shopping guide broadcast services, the traditional text reading is upgraded to a full of temperature** display, customer experience is more direct and efficient.
The other side of smart service is the detailed insight into the differentiated needs of customers. As one of the main positions of customer group management, GF Mobile Banking 90 can not only display different content, products, services and corresponding page layouts according to customer attributes, but also create exclusive service areas such as "Salary Future", "New Citizen Service Pass", "Social Security Butler" and "Cross-border Financial Zone" around customer groups such as dropshipping, social security, new citizens, and cross-border to enhance the sense of belonging of various customer groups.
Under the guidance of "digital finance", China Guangfa Bank's digital and intelligent transformation has continued to reach a new level, and its achievements in mobile banking construction have also been recognized by the industry, and its professional evaluation ranking has reached a new high, and it has won awards and honors such as the "Annual Comprehensive Strength Excellence Award" in the 2023 Digital Finance Gold List. In the future, China Guangfa Bank will adhere to the high-quality development concept of customer first and experience first, empower business with technology, and create a more professional, intelligent and convenient service experience in an all-round way.