银行借记卡迎“私人定制”潮 差异化定价引关注

Core Viewpoint - The introduction of DIY debit card customization services by multiple banks reflects a trend towards personalized financial services, combining financial tools with individual consumer needs, showcasing innovation in banking and a commitment to high-quality service for residents [1][2]. Group 1: Market Trends - Several banks, including Bank of Communications, Postal Savings Bank, Industrial Bank, and Shanghai Pudong Development Bank, have launched personalized customization services with varying pricing structures based on specific service content [2]. - The customization options for DIY debit cards are extensive, allowing users to upload personal photos, choose popular IP designs, and select from high-end materials like metal and carbon fiber, with additional features such as priority service and exclusive discounts [2]. Group 2: Revenue Generation - In the context of ongoing pressure on net interest margins, banks are exploring new revenue sources, with many focusing on intermediary business income through increased card fees and transaction charges, with DIY debit card services being a part of this strategy [3]. - The value of the DIY debit card service lies in enhancing customer experience and segmentation, allowing banks to target high-demand customers with premium services, thereby increasing customer value and loyalty [3].