网龄三重礼

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中国移动如何用网龄破解普惠金融难题?
Mei Ri Jing Ji Xin Wen· 2025-10-01 05:42
Core Viewpoint - China Mobile has launched the "Threefold Gift of Network Age" initiative, which aims to enhance user engagement and trust through emotional bonding, behavioral incentives, and value realization, transforming long-term network age data into reliable credit assets [1][5]. Group 1: User Engagement Strategies - The "Network Age Birthday Gift" offers personalized benefits such as a 5 yuan phone voucher and a 30 yuan movie discount for users celebrating their network age birthday month, with more substantial rewards for longer network ages [2]. - The "Network Age Growth Gift" categorizes users based on their network age and consumption behavior, providing different VIP rights, including exclusive data packages and access to AI tools, thereby reinforcing the benefits of user growth [2]. - The "Network Age Financial Gift" collaborates with banks to offer interest rate coupons for users with a network age level of V5, enhancing their creditworthiness and facilitating easier access to financial support for various life scenarios [4]. Group 2: Societal Impact and Financial Inclusion - The initiative addresses the issue of over 500 million individuals in China lacking credit records, providing a new evaluation dimension for banks' risk control systems, thus supporting the government's push for inclusive finance [7]. - By utilizing network age data, China Mobile is exploring a model that activates data value while ensuring user privacy, contributing to the construction of a diversified social credit infrastructure [7][8]. - The program aligns with national strategies to stimulate domestic consumption by providing financial incentives, thereby integrating corporate activities with broader economic development goals [8]. Group 3: Future Directions and Innovations - China Mobile is positioning itself as a key player in the credit infrastructure landscape, exploring a viable path from communication data to credit assets and inclusive finance, which could expand its business portfolio [9]. - The company is investing in new technologies and research, focusing on next-generation information networks, artificial intelligence, and big data, to enhance its digital infrastructure capabilities [9]. - The "Threefold Gift" initiative not only monetizes data but also establishes a new credit foundation, transforming network age into a quantifiable and recognized social credit asset [10].