Core Viewpoint - The article emphasizes the rapid transformation of the financial ecosystem through technology, highlighting the efforts of China Construction Bank's Shenzhen branch in enhancing banking services via digital channels and self-service innovations [1]. Group 1: Self-Service Channel Transformation - The bank is focusing on digital transformation of self-service channels to improve service efficiency and customer experience [1]. - The introduction of "Smart Teller Machines" (STM) allows customers to perform self-service transactions easily, receiving positive feedback for their simplicity and speed [2]. - The bank has implemented a one-stop service model, enabling customers to complete multiple transactions with a single confirmation, enhancing convenience [2]. Group 2: Comprehensive Services - The bank is expanding its "Smart Government" services, allowing customers to handle over a hundred government-related transactions through self-service machines, addressing common pain points in public service [3]. - The bank's outreach includes on-site services using intelligent devices to assist customers in various locations, ensuring financial services are accessible [3]. Group 3: Personalized Care - The bank has introduced a "Senior Care Version" of the smart teller machine, addressing the specific needs of elderly customers to improve their self-service experience [4]. - Services for cross-border customers have been expanded, allowing for various high-frequency transactions at key locations [4]. Group 4: Omnichannel Coordination - The bank promotes seamless integration between online and offline services, allowing customers to make appointments and manage transactions through multiple digital platforms [4]. - This omnichannel approach has led to over 500,000 customer interactions annually, indicating strong customer acceptance [4]. Group 5: Online Migration - The bank is prioritizing mobile services, enabling customers to perform high-frequency transactions through mobile banking applications, enhancing convenience [5]. Group 6: Smart Card Vault Innovation - The bank has introduced a "Smart Card Vault" to streamline the card issuance process, reducing the need for manual operations and improving customer service efficiency [6][7]. - The smart card system has processed over 400,000 transactions since its launch, significantly enhancing customer satisfaction and operational efficiency [8]. Group 7: Future Directions - The bank plans to continue leveraging advanced technologies such as big data, 5G, and artificial intelligence to further enhance its self-service channels and create a more inclusive and environmentally friendly banking experience [9].