Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is enhancing payment services for foreign visitors to Guangxi by addressing challenges in supply, circulation, and demand, thereby improving the overall payment service level for these individuals [1][2][3] Supply Side Initiatives - The bank is creating a more inclusive, secure, and convenient payment service system, focusing on collaboration and a balanced approach between safety and innovation [1] - A comprehensive payment service framework has been established, including five key service areas: foreign card acceptance, foreign currency exchange, cash payments, mobile payments, and digital RMB, while managing various risks [1] Circulation Side Initiatives - The bank is meeting high-frequency needs for cross-border RMB settlements and border trade by issuing a "hard wallet" for digital RMB, enhancing cross-border fund flow efficiency [2] - A "wallet" service has been introduced, offering various currency combinations and on-site exchange services, particularly in high cash usage areas like border trade markets and taxis [2] Demand Side Initiatives - The bank is optimizing foreign currency exchange services in conjunction with the development of border commerce, including the introduction of Vietnamese Dong exchange services for Vietnamese tourists [3] - A bilingual service desk and dedicated counters have been established to assist Vietnamese visitors with banking services, including translation of necessary documents into Vietnamese [3]