Tianjin Construction Bank comprehensively promotes the work of improving the convenience of payment services
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“あなたの? Degree of efficiency and clapping hands をする (I want to praise your attitude and efficiency)” a tourist from Osaka, Japan, praised in front of the service desk in the lobby of a hotel in this city.
It all started a few days ago. This tourist came to China and stayed at a hotel in this city. At first, the hotel POS machine did not support the use of bank cards with the JCB logo for payment, which was difficult for the hotel and tourists. Tianjin Construction Bank’s “Zhang Fuqing Financial Service Team”, which is vigorously promoting the optimization and transformation of payment services, learned of the situation and immediately came to the hotel to apply for a POS machine that can accept UnionPay, VISA, MasterCard, American Express, JCB and other bank cards, and successfully settled the tourist’s payment. The room rate, fast service and good experience have been well received by hotels and tourists alike.
Not long ago, the General Office of the State Council issued the “Opinions on Further Optimizing Payment Services and Improving Payment Convenience,” which pointed out the direction and path and put forward requirements for optimizing payment services and improving payment convenience for the elderly and foreigners in China. CCB Tianjin Branch acted quickly and adhered to the concept of “payment for the people”. With the support and guidance of the People’s Bank of China, it took multiple measures to promote the optimization of “large-amount card swiping, small-amount QR code scanning, and cash pocketing” throughout the jurisdiction, focusing on Comprehensively improve payment convenience from product process optimization, scene ecological construction, channel service experience, etc.
Optimize products and services to improve payment convenience
Focusing on the payment needs of the elderly and foreigners in China, Tianjin Construction Bank promotes the use of simple account opening methods and is committed to creating a payment service environment with convenient experience and good communication.
Comprehensive support for foreigners coming to China to open and use personal bank settlement accounts and digital RMB accounts. On the afternoon of December 15, 2023, Canadian customer Ms. Tang completed the account opening in the business department of CCB Tianjin Heping Branch in just 8 minutes, realizing the city’s first debit card account opening business for customers holding a new version of the foreign permanent residence permit. CCB can provide customers with one-person savings accounts in domestic and foreign currencies in more than 20 currencies, including US dollars, Hong Kong dollars, and euros. Overseas personnel can open personal bank settlements at any CCB outlet with valid personal identity documents such as passports or foreigner permanent residence certificates. account. The CCB system fully supports overseas mobile phone numbers in more than 210 countries and regions to register digital RMB apps and open digital currency personal wallets. Foreigners in China can recharge digital currency wallets through VISA and MASTERCARD overseas bank cards, and can accept them at all domestic support stations. Digital RMB is consumed at merchants.
Provide payment convenience for “silver-haired customers”. To optimize the elderly care product system, CCB’s social security card serves nearly 350,000 elderly customers in Tianjin, providing customers with medical settlement, payment, benefit collection, and daily payment functions. Tianjin citizens can use social security cards to take buses, subways, and other livelihood application scenarios.
Construction scene ecology enriches payment applications
Take multiple measures to continuously optimize the payment acceptance environment, focusing on the needs of “food, housing, transportation, travel, shopping, entertainment, medicine, and school” scenarios to meet the full-chain consumption payment needs of various customer groups.
Increase the transformation of the payment acceptance environment to help enhance the vitality of the consumer market. CCB focuses on the fields of catering, retail, entertainment and tourism, and upgrades the payment acceptance environment in key consumer clusters such as department stores, supermarkets, and shopping districts, and provides merchants with different types of payment acceptance tools that can support QR code scanning and card swiping to meet the needs of diverse customers. , personalized and quality consumer demand, injecting new vitality into the consumer market. More than 1,800 stores in key commercial complexes such as Vientiane City, Joy City, Shanshan Outlets, Youyi Shopping Center, and Youyi Xintiandi in our city have fully accepted cash, bank cards, and mobile payments, and support foreigners coming to Tianjin to use VISA, Spending with bank cards issued by various overseas card organizations such as MasterCard, American Express, and JCB; well-known hotels such as Crystal Palace Hotel and TEDA International Hotel also support foreign card consumption.
Relying on digital platforms to support local life consumption. Use the “CCB Life” APP to connect merchants with traffic, consumption, and payment, provide users with high-frequency local life scene services such as food, takeout, supermarkets, gas, taxis, cycling, and movie tickets, and support the issuance of consumer vouchers by governments in many places , to help merchants operate through platform operations.
Optimize channel services and improve payment experience
Create “offline + online” multi-channel and multi-level services to meet the all-round needs of the elderly and foreigners coming to China, making services more considerate, secure and within reach.
Outlets focus on customer experience to improve service quality. The 30 demonstration outlets are now equipped with personnel or translation equipment with foreign language service skills, and are equipped with foreign language account opening service guides, account opening applications and tax resident declaration documents. They have set up special areas to promote account opening services for foreigners and open up green channels; all outlets have jurisdiction. They have optimized foreign language versions of smart counters and self-service machines, achieved full coverage of foreign card withdrawals at all ATMs, and have set up foreign language customer service hotlines. More than 250 outlets in the “Workers’ Harbor” area are equipped with reading glasses, magnifying glasses, wheelchairs, crutches, convenience boxes, medical kits and other elderly service facilities, and continue to enrich the “Workers’ Harbor” services in elderly assistance, elderly care, and barrier-free services. In terms of content and functions, some branches have open restrooms and barrier-free ramps, and branch staff take the initiative to provide considerate and thoughtful services to special groups such as elderly customers, creating a “resting place” for elderly customers. Up to now, the Wangdingdi branch under its jurisdiction has passed the review of the “Requirements for Elderly-friendly Services for Bank Business Outlets” by the domestic authoritative organization, and obtained the group standard certification qualification for elderly-friendly services. The Zhongshan Branch has been listed as a “Specialized Pension Finance Outlet” to build the Kaili Technology Building branch. Act as “Barrier-free Service Demonstration Site”.
Electronic channels support personalized customization. Customers can customize the column layout according to their own usage habits and preferences; support foreigners in Tianjin to open mobile banking and personal online banking and other electronic banking services at CCB; launch a large-character version of mobile banking for elderly customers, with more eye-catching page information, and launch a service for the elderly Key-to-talk function, one-click query of various assets and transaction data, one-click connection to customer service to answer questions, and one-click use of smart voice.
In the next step, CCB Tianjin Branch will always adhere to its original intention of serving the people, continue to thoroughly implement the work requirements of the People’s Bank of China on further optimizing payment services and improving payment convenience, adhere to goal orientation and problem orientation, strengthen overall planning and deployment, implement multiple strategies simultaneously, and quickly Action, strive for practical results, accelerate the improvement of payment service levels for the elderly and foreigners coming to Tianjin, financial assistance to build Tianjin into an international consumer center city, and continuously improve the quality and efficiency of serving society and people’s livelihood and high-level opening up to the outside world.
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