INDUSTRIAL BANK(SH:601166) Jin Rong Jie·2026-01-06 03:21Core Insights - The article highlights the innovative solutions provided by Xiamen Branch of Industrial Bank to address the needs of a key airport construction project, focusing on the development of a competitive system to win a tender [1][2]. Group 1: Customer Needs and Challenges - The construction unit required quick fund transfers, timely payments to downstream parties, and cost reduction, while the project owner needed to monitor fund flows to prevent misuse, indicating a significant information asymmetry between the two parties [2]. - The existing processes involved extensive time spent on document verification and communication due to mutual distrust in each other's systems, leading to errors and difficulties in managing multiple joint accounts [2]. Group 2: Innovative Solutions - Xiamen Branch of Industrial Bank designed a system based on a "5 steps + 2 modes" approach, which includes identity verification, business approval, fund approval, linked payments, and automatic reconciliation, along with two payment modes for large and small amounts [2]. - The system integrates the bank's unified identity authentication service and open banking transfer services, creating a dual-track service system that balances efficiency and security [3]. Group 3: System Implementation and Impact - The system has been recognized by the airport project owner, leading to the acquisition of three joint accounts for the airport project, with a small-scale trial starting in late 2022 and full application in 2023 [3]. - By November 2025, the system managed contract funds reaching the hundred billion yuan level, with nearly ten thousand online payment transactions totaling several billion yuan, significantly reducing interaction costs for clients [4].