兴业银行济南分行科技赋能银发生活

Core Insights - The article highlights the launch of the "Yinling E-Billing" smart payment system by Industrial Bank's Jinan branch, aimed at enhancing financial services for the elderly in the context of an aging society [1][2] - The system leverages financial technology to provide a seamless, efficient, and secure payment experience for senior citizens, particularly focusing on tuition payments for senior universities [1] Group 1: System Features and Innovations - The "Yinling E-Billing" system is designed to address pain points in traditional payment methods, offering a "zero-run, instant billing" experience for the elderly [1] - Each payment generates a unique payment code linked to the order lifecycle, ensuring real-time tracking and reducing the risk of duplicate codes [1] - The system connects directly to the non-tax revenue system, automating fund allocation and generating receipts in compliance with regulatory requirements, significantly lowering reconciliation and compliance risks [1] Group 2: Implementation and Impact - Since the system's launch, over 1,400 senior university students have used it to pay tuition fees, with more than 300,000 yuan in non-tax funds collected [2] - The entire process of registration, payment, clearing, and reconciliation, which previously took nearly a month, now only requires one week, resulting in reduced labor costs and eliminating issues of overpayment and underpayment [2] - User satisfaction has markedly improved, transitioning from a cumbersome process to a streamlined, instant payment experience, embodying the service philosophy of "financial warmth for the elderly" [2] Group 3: Future Directions - The Jinan branch of Industrial Bank plans to continue expanding its smart elderly care and age-friendly financial services, leveraging technology to enhance the quality of life for senior citizens and contribute to building an age-friendly society [2]