（来源：邯郸日报） 融合场景添动能，激发消费市场活力。该联社积极推进"金融+消费"场景融合，一方面联合县域商超、 家电卖场、餐饮旅游等商户，推出借记卡、信用卡扫码立减金等惠民活动，覆盖生鲜食品、日用品、休 闲娱乐等高频消费场景，打造便捷温馨的"一刻钟便民生活圈"；另一方面，聚焦乡村消费提质，支持县 域商业综合体和农村电商服务点建设，通过专项贷款助力农产品出村、工业品下乡，广泛布设助农取款 点、推广聚合支付等服务，让消费更顺畅、更舒心。 帮扶实体稳根基，筑牢消费供给基础。该联社坚持从消费需求端和供给端同时发力，持续加强对各类经 营主体的金融支持。面向商超、便利店、农资店等小微商户在春节旺季备货、资金周转方面的需求，简 化审批流程、下放审批权限，并给予利率优惠和费用减免，帮助商户备足货源、稳定经营。同时，持续 优化收款服务，推广低成本聚合支付工具，为商户减免手续费、降低经营成本，助力供给端提质增效， 逐步形成"金融帮扶实体、实体带动消费"的良好循环。 本报讯（申雨）今年以来，成安县农村信用合作联社推动城乡消费升级、打通消费融资堵点、完善服务 链条，助力消费潜力释放。 精准支持优供给，降低消费融资门槛。该联社紧扣居 ...

Breaking into the US market is one of the great proving grounds in payments. The opportunity is enormous. The US digital-payments sector is projected to grow from $3.06tn in 2024 to $9.29tn by 2033, but the path isn’t linear. For many global fintechs, US expansion is the moment when technology, operating models, and assumptions are tested in real time. This market runs on its own logic, shaped by credit-driven consumers, fragmented regulation, and expectations for instant, always-on digital experiences. T ...

A simple visit to the bank sparked a surprisingly heated debate online. After noticing frequent grocery and gas charges coming straight from a customer's checking account, a teller suggested switching to a credit card and paying it off in full each month. That advice opened the door to a bigger question many Americans still wrestle with: Is using a credit card instead of a debit card actually smarter? The Reddit discussion quickly turned into something more pointed. One commenter summed up the stakes cle ...

Core Viewpoint - Agricultural Bank of China Gansu Branch demonstrates resilience and commitment to serving the community during natural disasters, emphasizing the importance of financial services in times of crisis [2][7]. Group 1: Emergency Response and Community Support - Following the earthquake in Jishishan and Diebu, the bank activated an emergency response, ensuring the flow of financial services in disaster areas by increasing cash reserves and deploying mobile service vehicles [2][7]. - The bank's employees formed volunteer teams to assist in logistics and provide financial policy consultations, helping affected clients understand relief measures such as loan extensions and interest rate discounts [2][7]. Group 2: Elderly Care and Inclusive Services - The bank's focus on elderly clients is evident in its provision of senior-friendly services, including specially designed seating and priority systems for older customers [3][8]. - Initiatives include creating dedicated service records for elderly clients and offering home visits for personalized financial consultations, enhancing their financial literacy and social recognition [3][9]. Group 3: Rural Financial Inclusion - The bank has established 64 rural service stations, continuously expanding to connect with local government and community organizations, thereby facilitating access to essential financial services for rural populations [4][10]. - The use of technology, such as RPA for monitoring customer wait times, has significantly reduced average wait times, improving customer satisfaction and allowing staff to focus on personalized services [5][10]. Group 4: Overall Commitment to Service - The bank's efforts extend beyond disaster response to everyday services, reinforcing its role as a trusted partner for the community and contributing to the broader goal of financial security and modernization in China [5][11].

Group 1: Core Activities - China Bank has launched the 2026 "Le Gou Xin Chun" consumption promotion activity, focusing on six key consumption scenarios: food, accommodation, transportation, tourism, shopping, and entertainment [1] - The promotion aims to stimulate consumption during the Spring Festival by providing various financial benefits such as payment discounts, digital red envelopes, and installment offers [1] Group 2: Specific Promotions - The "Zhonghang Hui Chuxing" activity has commenced in 30 provinces and cities, featuring over 370 food streets, offering random discounts of up to 10 yuan for purchases over 20 yuan using China Bank debit or credit cards [3] - Special hotel booking discounts are available through the Fliggy platform, with exclusive offers of 50 yuan off for bookings over 500 yuan and 100 yuan off for bookings over 1000 yuan when using China Bank credit cards [5] Group 3: Travel and Transportation Offers - The "Zhonghang Hui Chuxing" initiative includes discounts for electric vehicle charging, offering 6.6 yuan off for payments over 20 yuan at designated charging stations [7] - Discounts on train tickets are available through the mobile banking app, providing 3 yuan off for purchases over 50 yuan [7] Group 4: Entertainment and Shopping Benefits - Discounts for various entertainment activities include 10% off at Shanghai Disneyland for purchases over 300 yuan using China Bank credit cards [9] - The mobile banking app offers surprise blind boxes with various rewards, including membership cards for streaming services [9] Group 5: Financial Products and Services - China Bank has introduced a "Consumer Loan Subsidy" section in its mobile banking app, providing various benefits for customers who sign loan agreements [11] - Special offers for credit card installment plans are available, allowing customers to enjoy additional discounts on top of existing offers [12] Group 6: Cross-Border Services - China Bank provides extensive foreign currency exchange services, with over 36 currencies available and numerous self-service exchange machines at major airports [16] - The "Laihua Tong" app facilitates tax refunds for foreign visitors, offering additional incentives for online applications [16]

Core Viewpoint - The Ministry of Commerce and nine other organizations have launched the "2026 'Buy New Year' Spring Festival Special Activity Plan" to stimulate holiday consumption and enhance cultural life during the Spring Festival, with a focus on financial support and collaboration with key merchants [1] Group 1: Financial Support and Consumer Engagement - The plan emphasizes increasing financial support, encouraging financial institutions to collaborate with key merchants to offer exclusive discounts and enhance digital payment incentives [1] - China Bank has initiated the "2026 'Buy New Year'" campaign, focusing on six major consumption scenarios: food, accommodation, transportation, tourism, shopping, and entertainment [1] Group 2: Consumer Promotions and Discounts - The "Enjoy the Taste of the New Year" campaign has launched in 30 provinces and over 370 food streets, offering discounts for payments made with China Bank debit and credit cards [2] - Various promotions include discounts on hotel bookings through platforms like Fliggy, and special offers for travel and dining experiences [3][4] - The campaign also features discounts for online shopping on platforms like JD and Douyin, with incentives for first-time users of China Bank services [6][7] Group 3: Cross-Border Services and Benefits - China Bank provides extensive services for cross-border consumers, including currency exchange and tax refund services for international travelers [9] - The "Come to China" app offers a comprehensive service platform for foreign visitors, enhancing their shopping experience and convenience [9] - Special offers for outbound travelers include discounts on visa processing and various rewards for using China Bank credit cards abroad [10][11]

"我要给我孙女儿办张卡。"一位佝偻身子的老太太拿着破旧的布袋子，在凛冽的寒风中 推开工行南通新桥工行的大门，略带焦急的说到。运营主管王主任听到后立刻迎上前 去，询问孙女的年龄是否已满16周岁。老太太说孙女是2011年出生的，很明显未满16周 岁，达不到本人办业务的条件。 "您好，未满16周岁的孩子需要监护人来银行办业务，同时需要带关系证明，例如出生证、户口本，以 及双人身份证件。"王主任亲切地说到。 没过多久，开卡资料准备完毕，手续齐全，王主任使用远程柜面通帮助客户顺利为其外孙女开立了一张 借记卡。客户对王主任连声道谢，称赞我行的服务热情，周到，细致。 在银行服务的过程中，我们都要做到耐心倾听，认真梳理客户诉求。在业务办理指导方面，熟练掌握各 类业务流程和操作规范，提前协助客户准备好所需材料，合理规划办理流程，主动引导客户高效办理业 务。人生的沟壑各有深浅，而王主任总以春风和煦般的服务，拨动着每一位特殊来客的心弦。许琳洁 谁知老太太着急的说到："我，我就是她的监护人！" 听闻此言，王主任意识到事情的不简单，引导客户坐下来慢慢交谈。这才得知，客户给孙女办卡是因为 其学校有一笔费用一定要打入学生本人名下的银行账户 ...

主动服务暖人心。在王宇眼中，服务从来不是被动的应答，而是主动的先行。她始终将客户的需求放在 心上，用主动上前的服务，为客户排忧解难，让金融服务更有温度。 作为首都重要金融机构，中国农业银行北京市分行（以下简称"农行北京分行"）积极践行金融工作的政 治性、人民性，持续擦亮服务品牌，凝练服务内涵，丰富服务文化，涌现了一批扎根基层、为民服务的 先进典型。在中国农业银行2025年"网点最美服务明星"评选中，农行北京城市副中心宋庄支行王宇、分 行营业部营业室王琪脱颖而出，二人将"主动、专业、规范、高效"的服务标准融入日常，以一系列暖心 举措践行金融为民初心。 王宇：主动先行 专业护航 情系客户的金融暖阳 自2001年入行以来，王宇一直坚守厅堂一线，是一名深受客户喜爱的客服经理。迎客时，她主动微笑问 好、热情引导分流；送客时，她礼貌道别、提醒携带物品，二十余载初心不改，以主动服务解民忧，用 专业素养护民安，在平凡的岗位上诠释着"农情服务"的真谛。 高效服务显担当。面对急难任务和突发情况，王琪始终冲锋在前，以高效的统筹协调能力和扎实的业务 功底，圆满完成各项工作。 2025年7月，年逾七旬的李大爷忘记银行卡密码，因行动不便 ...

Core Viewpoint - The increase in overseas card fraud incidents since 2025 has raised significant concerns, prompting various banks to take measures to enhance user security and optimize risk control systems [1][3]. Group 1: Fraud Incidents - Reports of credit and debit card fraud have surged, particularly around the New Year holiday, affecting major state-owned banks, joint-stock banks, and local small and medium-sized banks [1]. - Many cardholders have experienced unauthorized transactions, with losses ranging from hundreds to over ten thousand yuan, highlighting the vulnerability of users [2]. Group 2: Bank Responses - In response to the rising fraud cases, several small and medium-sized banks in regions like Hunan, Guangdong, Jilin, Hebei, and Hubei have proactively disabled cross-border transaction capabilities for their debit cards [4][5]. - The closures primarily involve village and township banks, which have limited exposure to overseas transactions, thus minimizing the impact while enhancing customer security [5]. Group 3: Underlying Causes - The rise in fraud is attributed to several factors, including inconsistent information security measures among overseas merchants and acquiring institutions, as well as insufficient cross-border risk monitoring capabilities of smaller banks [3]. - Additionally, a lack of awareness among cardholders regarding safe card usage abroad exacerbates the risk of fraud [3]. Group 4: Future Outlook - Despite the temporary suspension of cross-border transaction capabilities, industry experts suggest that small and medium-sized banks are unlikely to permanently exit the overseas financial sector, as this could lead to a loss of retail customers and associated revenue [6]. - There is potential for these banks to gradually reintroduce cross-border services for verified scenarios, such as study abroad and cross-border e-commerce, while leveraging partnerships with larger banks for improved risk management [6][7].

Core Insights - The increase in overseas card fraud incidents since 2025 has raised concerns among banks and consumers [1][3] - Various banks, particularly small and medium-sized banks, have begun to close cross-border transaction functions for debit cards to enhance customer security [1][4] Group 1: Fraud Incidents - Reports of credit and debit card fraud have surged, particularly around the New Year holiday, affecting major state-owned and regional banks [1][3] - Many consumers have experienced unauthorized transactions, with losses ranging from hundreds to thousands of yuan, highlighting the vulnerability of cardholders [3] Group 2: Bank Responses - Banks in regions such as Hunan, Guangdong, Jilin, Hebei, and Hubei have announced the closure of cross-border transaction capabilities for debit cards to mitigate risks [4][5] - The closures primarily involve village and township banks, which have limited overseas transaction activities, thus minimizing the impact on their operations while enhancing customer security [5][6] Group 3: Risk Factors - The rise in fraud is attributed to inadequate security measures among overseas merchants and acquiring institutions, as well as the weak cross-border risk management capabilities of smaller banks [3][6] - The regulatory environment is becoming stricter regarding anti-money laundering and anti-fraud measures, increasing compliance costs for banks [6] Group 4: Future Outlook - Despite the temporary closure of cross-border functions, industry experts suggest that banks will not permanently exit the overseas financial sector, as this could lead to a loss of retail customers with cross-border payment needs [8][9] - Banks may gradually restore services for verifiable scenarios such as studying abroad or cross-border e-commerce, potentially through partnerships with larger banks or licensed payment institutions [8][9]