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]

Group 1 - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch has launched the first self-designed "Digital RMB Border City Themed Hard Wallet" in Fangchenggang City, integrating local cultural elements and cross-border financial functions [1][3] - The hard wallet features iconic elements of Fangchenggang, such as "National Gate," "Golden Camellia," and "Egrets," showcasing the city's openness and ecological philosophy, serving as a financial tool and a cultural ambassador [3] - The hard wallet aims to enhance cross-border payment experiences, focusing on high-frequency needs like cross-border RMB settlement and border trade, thereby improving the efficiency of cross-border capital flow in the region [3] Group 2 - The hard wallet utilizes Digital RMB's "dual offline" technology, allowing transactions to be completed quickly even without internet access, and will be issued through all branches and an online platform [3] - It can be applied for using valid personal identification documents, covering various public services and creating an inclusive financial service network for all demographics and scenarios [3]