Core Insights - The article highlights the comprehensive efforts of Mintai Bank's Jinhua branch in enhancing the modern payment service system through various initiatives, including cash service optimization, digital payment innovation, cross-border payment upgrades, and senior-friendly modifications [1] Group 1: Cash Service Optimization - Mintai Bank's Jinhua branch emphasizes cash as a crucial payment method for elderly and foreign individuals, introducing customized "change bags" and a "green channel" for cash exchange to improve convenience [2] - The branch actively promotes awareness of cash acceptance laws and offers services like small denomination cash exchange through community outreach, successfully visiting over 200 merchants and exchanging more than 10,000 yuan in a week [2] Group 2: Digital Payment Innovation - The bank leverages the digital RMB pilot to integrate financial services with daily life, expanding usage in high-frequency scenarios such as food delivery and shopping, with digital RMB consumption exceeding 380,000 yuan by the end of May [3] - The introduction of "mobile number payment" simplifies the transfer process, enhancing the payment environment in both urban and rural areas [3] Group 3: Cross-Border Payment Upgrades - Mintai Bank has upgraded its ATM services to support major international card types like VISA and MasterCard, addressing the challenges faced by foreign clients in cash withdrawals [6] - The branch offers foreign currency cash services in USD, HKD, EUR, GBP, and JPY, providing comprehensive support for foreign individuals and clients with cross-border payment needs [6] Group 4: Senior-Friendly Modifications - To bridge the "digital divide," Mintai Bank has launched a simplified version of its mobile banking app for seniors, enhancing their payment experience [7] - The Jinhua Dongyang branch has established a "Warm Sunshine Station" with facilities like comfortable seating and reading glasses, along with dedicated service windows and home service for those with mobility issues [7] - The bank continues to promote inclusive financial services through various community activities aimed at educating seniors about the benefits of electronic payments [7]