ICBC launches “Digital Financial Partner” action and releases new version of mobile banking

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On March 19, 2024, the Industrial and Commercial Bank of China launched the “Digital Financial Partner” action in Beijing and released version 9.0 of mobile banking. ICBC will gather the joint efforts of all parties to promote the deep integration of innovation chain, capital chain, service chain and ecological chain, write a great article on digital finance, and more effectively support the construction of a network power, a digital China, and a financial power. ICBC Chairman Liao Lin and Xinhua News Agency Vice President Liu Jian attended and delivered speeches. ICBC Vice President Duan Hongtao and Party Committee Member Yao Mingde attended the press conference.

General Secretary Xi Jinping attaches great importance to the development of digital economy and digital finance, and made a series of important expositions. At the Central Financial Work Conference, focusing on the overall situation of building a financial power, he made important arrangements for five major articles including digital finance. The just-concluded National Two Sessions made new arrangements and put forward new requirements for the development of digital economy and digital finance. ICBC has thoroughly studied and implemented General Secretary Xi Jinping’s important thoughts on cyber power, fully implemented the decisions and arrangements of the Party Central Committee, conscientiously practiced the political and people-oriented nature of financial work, accelerated the construction of Digital ICBC (D-ICBC), promoted the digital transformation of kinetic energy, and made every effort Meet the multi-level and diversified financial needs of the people and promote the integrated development of the digital economy and the real economy. ICBC will closely focus on national strategies and economic and social needs, strengthen “industry-university-research-application” joint innovation, promote R&D breakthroughs in a number of key core technologies, and at the same time fully support strategic emerging industries to jointly develop new productive forces; build financial infrastructure services New scenarios and new business formats, provide all-round, one-stop services, and serve as customers’ preferred “digital financial partner”; focus on solving the “urgent, difficult and anxious needs” of the masses, and work with all parties to solve the bottlenecks in cross-industry and cross-border services , and at the same time make full use of the advantages of offline services to effectively bridge the digital divide among the elderly, foreigners in China and other groups.

ICBC’s “Digital Financial Partner” action will further focus on the three-end ecosystem of GBC (government, industry, and consumption), and work with digital financial partners to serve national reform, industrial upgrading, and social and people’s livelihood. The first is to “benefit the people with data”, integrating digital financial services into open scenarios of people’s livelihood such as consumption, community, workplace, and elderly care, to provide the people with low-cost, high-efficiency digital financial services. The second is to “revitalize enterprises through numbers”, promoting the replenishment of weak industries, the extension of advantageous industries, the upgrading of traditional industries and the construction of emerging industries, and all-round empowerment of industrial development. The third is to “use data to improve governance”, actively participate in the construction of digital government, jointly build an interconnected, intensive and efficient digital government platform system, and serve the modernization of the national governance system and governance capabilities. The fourth is to “help farmers with data”, deepen cooperation with the supply and marketing cooperative system and leading agricultural enterprises, build a digital financial ecosystem for “agriculture, rural areas and farmers”, build rural digital infrastructure, help farmers and agricultural-related enterprises share digital dividends, and accelerate the comprehensive revitalization of rural areas. .

At the press conference, ICBC released the latest upgraded version 9.0 of mobile banking. The new version of mobile banking uses cutting-edge digital technology to improve service supply from five aspects: large wealth, full financing, consumption promotion, strong intelligence, and excellent experience, to provide customers with smarter and more convenient mobile financial services. In terms of functional upgrades, the new version of ICBC’s mobile banking is the first in the industry to have a “graph-based” family wealth function, which enables family asset management, family wealth planning, and family rights sharing, and promotes wealth community services to become more popular and inclusive; the pension finance area integrates social security and annuity services. , the “three pillars” of personal pensions, covering customers’ full life cycle pension financial needs; the Inclusive Special Edition opens up dual channels for individuals and enterprises, supporting one-stop processing of inclusive financing in multiple scenarios. In terms of interface design, it pioneered the “enveloping” homepage, optimized the functional layout, and supported one-click direct access to commonly used services; the account details query was extended to 16 years, and a “digital smart ledger” was tailor-made for customers; remote office, same-screen office, and scanning were launched. Services such as code office and green office enable multiple businesses to be completed “without having to run once”; the industry’s first digital employee family such as “Gong Xiaozhi” brings a more modern, technological and immersive new digital financial experience.

At the event, ICBC signed a digital financial service cooperation agreement with Shandong Provincial Department of Human Resources and Social Security, Hunan Provincial Supply and Marketing Cooperative and other government agencies and corporate customer representatives to jointly create “Digital + Industry”, “Digital + Government Affairs” and “Digital” + people’s livelihood” and “digital + inclusive” new ecology.

At present, ICBC has more than 550 million personal mobile banking customers and more than 200 million monthly active customers. It has expanded scenario cooperation around digital livelihood, digital industry, digital countryside, digital education, digital government and other fields, and opened up banking to connect more than 100 ecological partners. 50,000 households, serving more than 10 million small and micro enterprises; the balance of loans in the core industries of the digital economy has exceeded 800 billion yuan, and the maturity of financial digitalization capabilities has received the highest level of certification. In terms of artificial intelligence applications, it is the first in the industry to build an autonomous and controllable large-scale AI model technology system with a scale of 100 billion, and its “digital employees” have already undertaken an annual workload equivalent to 30,000 employees.

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