Group 1 - The core viewpoint of the articles emphasizes the innovative service models adopted by the Industrial and Commercial Bank of China (ICBC) to enhance customer experience and accessibility since 2025 [1][2][3] Group 2 - ICBC has streamlined account opening processes by allowing online applications and pre-approval, significantly reducing processing time while maintaining risk control [1] - The introduction of "Huinong Quick Loan" allows customers to apply for loans autonomously, receive real-time updates on limits, and enjoy automatic approvals and flexible usage [1] - The bank has upgraded its electronic payment channels, including mobile banking and online banking, to meet diverse customer needs, particularly for the elderly [1] Group 3 - The transformation of physical branches into "smart outlets" aims to provide a one-stop service experience, optimizing branch layouts and enhancing self-service capabilities [2] - ICBC is focusing on personalized financial product recommendations and transitioning from transactional to advisory services [2] - The "Code Winning" service allows customers to apply for key services conveniently by scanning QR codes, improving service efficiency [2] Group 4 - ICBC is committed to inclusive finance by providing on-site services for customers who are unable to visit branches, thereby addressing the "last mile" of financial service delivery [3] - The bank conducts financial literacy programs to protect consumer rights and enhance awareness of financial risks among rural residents [3]