PAB(SZ:000001) Cai Fu Zai Xian·2025-11-11 11:46Core Viewpoint - The banking industry is transitioning from a focus on merely providing financial services to enhancing customer experiences, emphasizing the need for localized and personalized service models to meet evolving client demands [1][2][10]. Group 1: Industry Trends - The competitive landscape of China's banking sector is undergoing significant transformation, shifting from product and interest rate competition to a focus on service depth and customer experience [2][4]. - Customers are increasingly seeking personalized value experiences rather than just functional financial services, necessitating the development of differentiated and emotionally resonant service systems [2][4]. Group 2: Company Initiatives - Ping An Bank's Xi'an branch has launched the "Localized Rights System 2.0," marking a strategic shift from a product-centric to a customer experience-centric service model, integrating financial services into daily life and business growth [1][5]. - The new rights system enhances service breadth and depth, expanding its coverage to a wider range of customer segments while strengthening data support and customer insight capabilities for personalized service delivery [5][12]. Group 3: Service Ecosystem - The "Localized Rights System 2.0" features eight key scenarios: sports, education, local life, legal and tax services, travel, family, cultural heritage, and healthcare, addressing various aspects of customer life and needs [6][8]. - These scenarios are designed to provide comprehensive support for modern families, integrating financial services with health management, cultural experiences, and professional planning for wealth transfer and tax compliance [8][9]. Group 4: Community Impact - By collaborating with local businesses and service providers, Ping An Bank aims to transform the "finance + life" concept into tangible customer experiences, thereby stimulating local consumption and contributing to regional economic growth [9][10]. - The bank's approach positions it as a connector and enabler within the regional economic ecosystem, aligning its development with local community needs and responsibilities [10][12].