Core Insights - The article highlights the innovative financial services implemented by the People's Bank of China in Ar Horqin Banner to support local herders during their seasonal migration, addressing their cash withdrawal and payment challenges [1][2]. Group 1: Financial Services Innovation - The People's Bank of China in Chifeng has established mobile payment service stations along key migration routes, providing one-stop services including cash withdrawal, transfer, and loan consultation [2]. - A total of 8 standardized mobile payment service stations have been set up, staffed with bilingual service personnel to assist herders [2]. - The financial department has developed emergency payment plans to address unpredictable weather and sudden situations during the migration process [2]. Group 2: Community Engagement and Education - The financial institution conducted a 15-day survey covering 600 kilometers, visiting 52 herder families to understand their payment difficulties during migration [1]. - Financial literacy initiatives, such as the "Financial Micro Classroom," have been implemented to educate herders on mobile payment and fraud prevention, resulting in significant engagement [3]. - A video guide on fraud prevention has garnered over 9,000 views, successfully preventing two telecom fraud cases and recovering 65,000 yuan for herders [3]. Group 3: Impact and Results - The service stations have processed over 1,300 small cash withdrawal transactions, totaling more than 300,000 yuan, and issued 18 specialized migration loans [2]. - The financial services have achieved a 100% coverage rate, effectively resolving the "last mile" issue of financial services for herders during their migration [2].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is actively enhancing payment services to create a safe, efficient, and inclusive financial ecosystem, focusing on financial education, community service, and technological empowerment since 2025 [1][2]. Group 1: Financial Education and Security - ICBC Beihai Branch has established a comprehensive financial education network, combining online and offline methods to promote financial knowledge directly to the public [1]. - The branch has set up regular education points in various locations, including communities and rural areas, to disseminate practical knowledge on deposit insurance, fraud prevention, and counterfeit currency identification [1]. - A themed publicity event was organized in collaboration with law enforcement on May 15, 2025, reaching over 2,000 individuals to enhance public awareness of fraud prevention [1]. Group 2: Community Service and Accessibility - The branch has formed mobile service teams to bring banking services directly to communities, particularly targeting new citizens, the elderly, and rural residents [2]. - In May 2025, the bank conducted 18 on-site service events, facilitating nearly 2,000 transactions, including debit card openings and pension account setups, while addressing community concerns [2]. - This "zero-distance" service model has received positive feedback from the public, highlighting the convenience of banking services being brought closer to home [2]. Group 3: Digital Service Integration - ICBC Beihai Branch is promoting the "Happiness Life Version" of its mobile banking app, which includes features tailored for elderly users, such as smart customer service and voice assistance [2]. - The bank is also recommending quick payment services like "payment codes" to small businesses, expanding the reach of its convenience measures [2]. - Future plans include further innovation in payment services, focusing on public needs and regional development to enhance the quality and efficiency of payment services [2].