Bei Ke Cai Jing·2025-10-27 01:33Core Insights - The rapid development of fintech has led to the widespread application of intelligent and digital services in banking, but a digital divide remains a barrier for some elderly individuals to access financial services [1] - Banks are focusing on breaking this digital divide to enhance service quality and efficiency, recognizing that online channels alone cannot fully cover the elderly customer base [1][2] - Community bank branches are seen as crucial in bridging the last mile of financial services, with a particular emphasis on the elderly demographic [1][2] Group 1: Service Enhancement for the Elderly - Minsheng Bank's Beijing branch has prioritized the elderly as a key target for community services, continuously upgrading branch facilities to enhance service convenience and safety [2] - The bank has implemented various supportive measures, including "love windows" and green channels to reduce waiting times for elderly customers, as well as personalized one-on-one services [2] - All branches have met the "Beijing Banking Industry Standards for Financial Services for Visually Impaired Consumers," with 86 branches achieving the "Beijing Banking Industry Demonstration Window Service Standards" [2] Group 2: Fraud Prevention and Financial Education - The rise in illegal fundraising and telecom fraud targeting the elderly has prompted banks to take on the responsibility of safeguarding customer funds [3] - Minsheng Bank conducts regular financial education activities in collaboration with community branches to enhance elderly individuals' awareness of risk prevention [3] - The bank is also developing a tailored product system for elderly clients, offering risk-matched savings, investment, and commercial pension products to balance asset safety and wealth growth [3] Group 3: Community Integration and Cultural Activities - Minsheng Bank's community services extend beyond financial offerings, actively engaging in community life through various activities such as fraud prevention campaigns and cultural events [4] - The bank has partnered with Tencent Video to host cultural activities for the elderly, successfully attracting over 4,000 participants across multiple events [4] - The bank plans to continue focusing on the needs of elderly customers, enhancing service quality and brand development in the field of elderly financial services [4]