银发生活有“银联温度” 中国银联绘就老年幸福新图景

Core Insights - The article emphasizes the growing importance of elderly financial services in China, particularly in the context of the government's focus on supporting the aging population through financial initiatives [4][11] - The "Vital Life Card" is introduced as a key product designed to meet the diverse needs of the elderly, providing access to various services beyond traditional banking [5][6] Financial Support for Elderly Services - The 2024 guidelines from the People's Bank of China and nine other departments outline a clear path for financial support for elderly care, marking it as a significant social welfare initiative [4] - The demand for financial services among the elderly has expanded beyond savings and investment to include healthcare, travel, and daily consumption [4] Vital Life Card and Industry Alliance - The "Vital Life Card" is a specialized card product launched by China UnionPay in collaboration with 13 commercial banks, with over 27 million cards issued to date [5][6] - This card serves as a core vehicle for various elderly care benefits, linking resources from leading elderly care institutions [5][6] Service Accessibility and Coverage - China UnionPay has extended its services to address common issues faced by the elderly, such as meal preparation and healthcare access, by establishing meal assistance points across 36 regions [7][8] - The payment network supports medical payments in over 2,800 hospitals and facilitates public transport payments in 46 cities, enhancing convenience for elderly users [8] Technological Adaptation for the Elderly - The "Caring Version" of the Cloud Flash Payment app is designed to bridge the digital divide, featuring a user-friendly interface tailored for elderly users [9][10] - Safety features like "Payment Guardian" allow family members to monitor transactions, providing peace of mind for both elderly users and their families [10] Future Development of Elderly Financial Services - China UnionPay aims to continuously enhance its elderly financial service system, focusing on a collaborative model that integrates government guidance, market operations, and industry participation [11] - The company's approach transforms financial services into practical solutions that improve the quality of life for the elderly, aligning with societal goals for elder care [11]