From the first international standard dual currency credit card in 2002 to Pocket Life 10 to achieve "cloud card building" continues to iterate to today's 90。Over the years, from plastic cards to digital apps, China Merchants Bank Credit Card has insisted on creating value for customers and partners.
Not long ago, China Merchants Bank's "China Merchants Bank APP" and "Pocket Life APP" were among the first to complete the development of the core version of HarmonyOS native applications in the financial industry, and China Merchants Bank's 2023 interim report shows that as of the end of June 2023, its retail customers reached 19 billion, with a total assets under management (AUM) balance of 1284 trillion yuan, the largest credit card transaction scale in the industry, China Merchants Bank and Pocket Life two major apps monthly active users reached 11.1 billion.
It is reported that China Merchants Bank Credit Card relies on the Pocket Life APP to build a complete ecology integrating catering, life, content, automobiles, quality, and consumer credit. On the one hand, it connects a large number of customers and needs, and on the other hand, it connects a large number of brand partners and 100,000+ merchants on a large scale, and through the customer mobilization ability of the self-owned platform of the Pocket Life APP, it not only allows the scattered merchants to connect more closely with customers, but also allows more two-way travel possibilities between brands and brands.
A typical case is the two-ticket business that Pocket Life has been deeply engaged in. Through the two-ticket platform, on the one hand, it can cooperate with merchants to provide customers with diversified consumption scenarios, while meeting customers' needs for "what to eat and what to see", while increasing their consumption demand and frequency with preferential choices and convenient payment experience; On the other hand, more high-quality partners will collide with sparks, and innovation will bring more possibilities ......This is the platform value that China Merchants Bank Credit Card is constantly practicing on top of the card.
This time, China Merchants Bank effectively combines the advantages of retail banking with mobile terminals to meet the needs of customers for differentiated comprehensive financial services and bring great convenience to customers. With the blessing of Harmony OS, through the distributed technology of HarmonyOS, one-time development and multi-terminal deployment can be realized, so that the services of the China Merchants Bank app and the Pocket Life app can run smoothly on multiple HarmonyOS terminals, mobile phones, platforms and other devices, providing users with a new experience of intelligent and scenario-based services that "understand you better". Huawei's HarmonyOS kernel, which has received the world's highest security certification, will provide the ultimate security protection for banking apps.
In the future, China Merchants Bank Credit Card will continue to focus on innovation, continue to create value for customers and the market, actively embrace changes, and lead the development of the industry.