Qi Lu Wan Bao·2026-01-23 03:23Core Viewpoint - Minsheng Bank is transitioning from traditional payment functions to building a comprehensive ecosystem that connects consumers, merchants, and the bank [1] Group 1: Online Platform Integration - The "All People's Life" App serves as the core platform for credit card business, continuously upgrading with embedded services covering high-frequency life scenarios such as public payments, entertainment, transportation, fitness, and healthcare, enabling precise customer profiling and "concierge-style" services [2] - The new version of the mobile banking App 10.0 focuses on wealth management, smart accounting, and security services, introducing AI features like digital human services, smart search, and customer service, while creating proprietary festivals to enhance user engagement and activity [2] - Payment optimization includes one-click binding with mainstream payment platforms like WeChat and Alipay, allowing users without Minsheng Bank cards to log in via phone number to access wealth management and lifestyle benefits [2] Group 2: Offline Scene Coverage - Collaboration with China UnionPay has led to the creation of a customer acquisition model within the UnionPay ecosystem, promoting the "UnionPay Ecological Card" nationwide, allowing users to access and use UnionPay coupons through Minsheng's mobile banking [3] Group 3: Targeted Customer Segmentation - Minsheng Bank has launched customized products to meet the diverse and personalized consumption demands of different customer segments, including a credit card for new citizens featuring designs that enhance their sense of belonging [4] - For car owners, the bank introduced automotive-themed credit cards and a co-branded card with PetroChina, offering extensive charging benefits for the electric vehicle market [4] - A new credit card for the elderly will be issued, featuring lifetime fee waivers, free transaction alerts, fraud insurance, personal doctor services, and one-click customer service to help seniors bridge the "digital divide" [4][5] Group 4: Financial Support to Boost Consumption - Beyond payment convenience and discounts, Minsheng Bank provides flexible credit support to lower consumption barriers and enhance residents' quality of life [6] Group 5: Scenario-Based Installment Services - The bank collaborates with platforms like Taobao and JD.com to offer installment services with discounts and interest-free options for essential and quality consumption scenarios, particularly in the context of national policies promoting the replacement of consumer goods [7] Group 6: Supply Chain Financial Empowerment - As a pioneer in supply chain finance, Minsheng Bank offers financing support to small and micro enterprises through its "Minsheng E-Chain" product series [8] - The bank innovates with a "guidance-based credit" model to provide unsecured loans to small and micro enterprises that do not meet traditional credit standards but have sound operations, alongside a dedicated app for easy loan applications and digital currency payments [10] Group 7: Comprehensive Strategy - Minsheng Bank's innovative consumption strategy is a multi-faceted initiative leveraging digital platforms, extensive ecosystem partnerships, precise customer segmentation, and flexible financing solutions to create a virtuous cycle benefiting users, merchants, and the bank [10]