From June 24th to 26th, the 5th Golden Fair was held at the Pazhou China Import and Export Fair Complex. China Minsheng Bank Guangzhou Branch participated in the gold fair with “Five Gifts†and vigorously promoted mobile payment products – cloud flash payment.
"Swipe" mobile phone payment is more convenient
It is understood that the cloud flash payment, led by China UnionPay, various commercial banks and domestic and foreign mobile phone giants such as Apple, Samsung and Huawei, was launched in the market at the end of last year. Cloud Flash Pay has many advantages such as easy opening, convenient payment, and simple trading environment. Users do not need to connect to the mobile phone when they pay, and do not need to open the mobile phone APP, instead of bringing a bank card, as long as the screen is close to the POS, the payment can be completed. Fast. In terms of security, the product not only got rid of the physical card, but also adopted a more secure chip card as the medium, and applied leading security technology to escort, greatly reducing the possibility of customer bank card information being leaked.
If the Android mobile phone user wants to experience the live mobile phone bank cloud flash payment HCE, there is no need to change the mobile phone card, and there is no need to go to the counter, just hold an Android mobile phone supporting HCE, use the livelihood debit card or credit card to self-register the mobile banking online, and register online. And activate the cloud flash card; Apple users can hold the debit card or credit card with the UnionPay logo issued by Minsheng Bank and add these cards to the iPhone, Apple Watch and iPad. Make offline payments or online app payments.
The author saw at the scene that citizens can get a gift and enjoy the exclusive offer when they open the site and experience mobile payment in the Jinsheng Fair Minsheng Bank exhibition area. The new customer will open the HCE cloud flash payment, and the consumption of any amount can be awarded 20 yuan before the 20th of the next month.
The current gold fair will be based on the theme of “Financial Steady Service Innovationâ€. In recent years, Minsheng Bank has continuously intensified its innovation efforts, and strives to provide online finance and online life services with low barriers, availability, easy-to-use, safe and fast, and low cost. As an active pioneer of Internet finance, Minsheng Bank has always kept up with the forefront of the market and is brave in innovation. In order to meet the personalized and diversified payment needs of users, Minsheng Bank is the first in China to try a multi-level account management system to provide Internet users with simple financial services through simple products, simple channels and simple experience.
It is understood that Minsheng Bank's trial mobile payment is started from the innovative mobile banking payment function. Since the official launch of the Bank's mobile banking in 2012, it has launched a variety of mobile payment functions, and has taken the lead in testing water fingerprint payment and opening a small payment channel for customers who self-register mobile banking. The bank's vigorous deployment of mobile payment began in 2015. As the first bank to cooperate with China UnionPay to apply HCE technology to launch mobile payment innovation, Minsheng Bank launched Minsheng Mobile Banking “Cloud Flash Pay†on November 18, 2015; 2016 On February 18th, Apple launched Apple Pay with the help of China UnionPay cloud flash payment platform; on March 29, 2016, UnionPay and Samsung entered the line with Samsung Pay, and Minsheng Bank simultaneously supported its credit card customers to use the service. At this point, Minsheng Bank's mobile payment products have covered IOS and mainstream Android system mobile phone users in all directions. The mobile payment services, the total number of transactions and the transaction amount have been ranked among the top in the industry, and have been well received by the market. In addition, in order to allow the general public to further experience the convenience of mobile payment, from Monday to Sunday, all people who use domestic and foreign well-known merchants such as Starbucks, Metro, Parkson Supermarket and other well-known merchants can enjoy the full range of benefits. .
On-site "five-gravity ceremony" to give back to the public
In addition, due to the twentieth anniversary of the establishment of Minsheng Bank Guangzhou Branch, the bank designed the theme of “Ten Thousand People's Livelihood, Guangdong and Guangdong Wonderful†in the theme exhibition area of ​​the Golden Fair, showing the bank's 20 years of service to the regional economy. In order to give back to the citizens' support for Minsheng Bank in the past 20 years, in the three days of the exhibition from June 26th to 28th, Minsheng Bank Guangzhou Branch launched the card opening, risk assessment, mobile payment opening, live games, and consumption of gifts. Re-enactment activities, ex-gratia cards, on-site participation in risk assessment, etc., can be exquisite gifts, and there are a variety of online exclusive wealth management products to choose from.
Rooted in the real economy to promote inclusive finance
It is understood that on December 18, 2016, Minsheng Bank Guangzhou Branch will celebrate its 20th anniversary. As the first branch of the country's first private joint-stock commercial bank, the Guangzhou branch of Minsheng Bank, which is rooted in Nanyue, has developed rapidly in the course of its 20 years of development with rapid development and steady development. High return rate, low non-performing asset ratio and extraordinary development speed have strongly supported the development of local economy and have become a powerful force supporting Guangzhou's economic construction.
In the past two years, with the continuous deepening of economic restructuring and changes in the market environment, Minsheng Bank Guangzhou Branch has always focused on customer needs and aims to enhance customer experience, serving the real economy and boosting inclusive finance. The bank not only innovated and created a corporate strategic customer financial service program that focuses on customer experience, in-depth business activities and economic activities, and gradually deepens the cooperation between the Bank and the government to support urban infrastructure construction. At the same time, it is fully committed to small and micro financial services. Continuous innovation, efforts to reduce financing costs for small and micro enterprises, and provide customized integrated financial services for community residents; in addition, the bank integrates traditional financial advantages and Internet finance concepts, builds data application platforms and mobile financial service platforms, and improves online and offline integration. Service capabilities to enhance the convenience of financial services.
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In recent years, Minsheng Bank has vigorously developed online finance and achieved remarkable results. As of May 15, 2016, the number of customers of Minsheng Direct Bank exceeded 3.4 million, and the total purchase amount of “Ruyibao†exceeded 1.1 trillion yuan. The first-mover advantage was obvious; the number of mobile banking customers exceeded 21 million, and the cumulative transaction amount this year is approaching. 3 trillion yuan, more than 150 million transactions, customer activity ranks in the top three in the industry; WeChat bank users reached 12 million; online banking customers exceeded 15 million, this year's cumulative transaction amount of 4.5 trillion yuan, transaction replacement The rate has remained above 95%; personal wealth management sales of electronic channels have exceeded 1 trillion yuan this year, accounting for 98% of the total personal wealth management sales of the Bank.
For a long time, Minsheng Bank has adopted a differentiated pricing strategy for online financial products and service charges, and the fee discount is leading the industry. For example, since June 2011, Minsheng Bank has launched cross-bank products based on the central bank's online payment interbank clearing system and third-party payment platform to provide customers with 7×24 hours of uninterrupted and free inter-bank account inquiry and transfer services; July 2012 On the 11th, Minsheng Bank officially launched mobile banking. For more than three years, it has always implemented the strategy of signing up and transferring money and remittance free of charge. In 2014, the direct selling bank, whether it is an electronic account deposit or withdrawal, is exempt from handling fees. The fund-based subscription fee is as low as 1%.
Minsheng Bank collects customer needs, opinions and suggestions through “voice of customersâ€, internal and external team experience reports, APP download comments, etc., according to customer needs, constantly improve existing products, launch new products and special services.
In response to the people's balance of wealth management needs, Minsheng Bank launched the direct bank monetary fund product "Ruyibao", starting from 1 cent, real-time purchase, real-time redemption, taking into account profitability and liquidity.
Focusing on the management of multiple accounts and small payment settlements, Minsheng Bank has launched a centralized management of small and micro mobile banking public and private accounts, payment of wages, reimbursement of expenses, large remittances, online application and signing of loans, and withdrawals and repayments. Waiting for mobile financial services.
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