凤凰网财经·2026-01-26 13:00Core Viewpoint - The financial services industry is evolving from meeting individual needs to supporting the entire growth cycle of families, with Agricultural Bank of China launching the "Leisure Family Card" to promote a comprehensive financial ecosystem centered around families [1][3]. Group 1: Industry Insights - Retail finance is shifting from competition for traffic to deepening customer engagement, with families being the core node connecting various consumption, education, health, and retirement scenarios [3]. - Traditional financial products often fail to integrate individual and family relationships, leading Agricultural Bank to break this limitation with the Leisure Family Card as a new service model [3]. Group 2: Leisure Family Card Innovations - The Leisure Family Card promotes inclusive finance by offering packages for couples and families, along with a points-sharing feature that allows cardholders to share points with family members, enhancing resource integration [4]. - It constructs a new industry model of "finance + lifestyle," covering travel, health, and consumption, and collaborates with quality partners to create an open benefits platform [4]. - Data intelligence drives deep customer engagement by analyzing family consumption behaviors, providing a more comprehensive customer profile to enhance service precision [4]. Group 3: Future Industry Collaboration - Family finance is an emerging blue ocean market that requires industry consensus and standards for healthy development, with Agricultural Bank's Leisure Family Card serving as a practical example to promote service standardization [5]. - The deeper value of financial services lies not only in transaction efficiency but also in the ongoing support for family stability and growth, making the Leisure Family Card a significant attempt in a niche market [5].