“It only takes ten minutes to apply for an ETC. Today’s financial services are really incredibly convenient.” At the business department of the Shaanxi Branch of Bank of China, a citizen who had just successfully applied for an ETC said with emotion. In order to solve the problems of long waiting time and poor experience in traditional ETC processing, the Bank Card Department of Bank of China Shaanxi Branch successfully developed the industry's first digital credit card related business innovation-"Bank of China Digital ETC". Citizens can apply for a credit card in 10 minutes, and ETC is installed on site to achieve instant application, instant application, instant binding, and instant access. Citizens once again truly experienced the efficient and high-quality services provided by Bank of China’s technological finance.
In recent years, Bank of China Shaanxi Branch has set the goal of “building a world-class bank in the new era”, adhered to the guidance of scientific and technological innovation, and strived to create a rich scenario ecology, online and offline collaboration, ultimate user experience, and product innovation. Flexible digital banking. Use technology to empower financial services, continuously improve financial innovation capabilities, and launch many financial products that consumers love for the first time in the industry. We strive to bring a full sense of technology and an efficient and convenient service experience while benefiting the people and convenience, and will also The efficient and high-quality services of Bank of China Shaanxi Branch have been delivered to thousands of households.
Smooth highways are more convenient
The first "digital ETC" was born in our province
At this year's National Two Sessions, the government work report stated: " Within two years, toll stations at provincial boundaries on highways across the country will be basically eliminated, enabling fast toll collection without stopping, reducing congestion and making it more convenient for the masses." The scene received lasting applause. In recent years, how to solve the problem of highway toll congestion has become a livelihood issue of concern to all sectors of society. With the widespread application of new information technologies such as electronic toll collection (ETC) on highways, manual toll collection has been replaced, vehicle traffic efficiency has been improved, and the congestion problem at highway toll stations has been effectively alleviated.
When handling traditional ETC business, consumers need to choose a debit card or credit card as the debit account. However, when using debit cards to deduct money, many car owners often seriously affect the use of ETC due to insufficient account balances, debit failures and other reasons, and are even included in the "blacklist". Therefore, applying for a credit card as a debit account bound to ETC has become the choice of many car owners.
“I saw that it was very convenient for my friends to use ETC, so I wanted to apply for one at the bank, but I didn’t expect that I had to apply for a credit card first, and it would take half a month to get the credit card, and then I could go back to the bank with the credit card. Going to the bank to install it was a bit lengthy, and I started to give up," said Mr. Liu, a citizen. The long waiting time and cumbersome application procedures make car owners lack motivation when handling ETC services, resulting in low ETC coverage. As the Bank of China Shaanxi Branch has always insisted on providing consumers with efficient and high-quality financial services, how to serve car owners more conveniently and solve the problem of consumers' poor ETC processing experience has become an important direction for the bank's bank card department.
Recently, a new ETC super experience has arrived. "Our bank made full use of the digital credit card launched by Bank of China ahead of its peers, established a digital credit card innovation center, and finally researched, explored and implemented the first digital credit card-related business innovation - 'Bank of China Digital ETC', which subverted the traditional business process. , realizing instant application, instant application, instant binding, and instant access," said the relevant person in charge of the bank card department of Bank of China Shaanxi Branch. "Bank of China Digital ETC" is a more convenient and efficient ETC business launched by Bank of China Shaanxi Branch to break the traditional business process and use the bank's digital credit card to innovate. This business does not require applying for a physical credit card and can be completed in ten minutes. It has successfully made ETC processing no longer require several days of waiting, allowing consumers to travel less and realizing instant application, instant processing, instant binding, and instant access. After binding the BOC digital credit card as a debit account, and activating the free OBU device, the "Bank of China Digital ETC" application is completed, and you can get on the expressway immediately and enjoy the fast services of ETC.
Subverting the credit card usage model
Digital credit cards are affordable, safe and more convenient
The credit for making ETC processing efficient and convenient, saving time, effort and worry, is attributed to Bank of China Digital credit card launched. "The Bank of China Digital Credit Card is a non-physical media card launched by the Bank of China, which eliminates the cumbersome delivery process and can be applied, activated, bound and used. It subverts the traditional credit card usage model and pays more attention to the convenience and security of mobile payment, both online and offline. Consumption at any time improves consumption satisfaction," said the relevant person in charge of the bank card department of Bank of China Shaanxi Branch. Bank of China launched a digital credit card in December 2018, bringing a brand new experience to credit card processing and use.
On Friday night, Ms. Wang, a citizen who had just finished shopping, decided to go to a movie on the spur of the moment. When she came to the cinema and bought tickets, she found that using a Bank of China credit card had a great discount. She could buy a movie ticket for 8 yuan. She suddenly remembered that Bank of China’s digital credit card can be processed in 10 minutes. So, I applied for a credit card on the spot with the attitude of giving it a try. Unexpectedly, I received the credit card number and approval limit within 10 minutes, and successfully applied for a credit card. Ms. Wang activated the Bank of China mobile banking app, and then used "Bank of China Shaanxi Branch" to successfully purchase movie tickets for 8 yuan, and she could also select seats online. Coincidentally, Mr. Li, a citizen, took his family to a hot spring and discovered on the spot that he could enjoy a buy-one-get-one-free discount by using a Bank of China credit card. So he applied for a digital credit card on the spot and successfully enjoyed preferential services. “A credit card that allows you to make purchases without using a card is not only fast but also safe and affordable, which is quite good.” Mr. Li said.
So, how to apply for a digital credit card? Consumers who meet the conditions for a Bank of China credit card can apply for a "BOC Digital Credit Card". First, you need to select "BOC Digital Credit Card" under "Card Family Portrait" in the credit card area of ??Bank of China Mobile Banking to apply. It will be approved after 5-10 minutes. You can receive card number and credit limit text messages on your reserved mobile phone number. After activation, you can experience online and offline consumption. It is worth mentioning that the Bank of China digital credit card not only supports offline consumption but can also be bound to online payment scenarios such as WeChat, Alipay, UnionPay QuickPass, ApplePay, and mobile banking. The purchase of movie tickets also supports online seat selection. In addition, when applying for a digital credit card, there are multiple discounts such as vouchers, exclusive points, phone bills, airport CIP, and visa processing.
Led by financial technology innovation
Bank of China Shaanxi Branch
Financial services reached a new level
In 2018, Bank of China The overall strategic goal of “building a world-class bank in the new era by adhering to technology-led, innovation-driven, pragmatic transformation, and strengthening through change” was clearly stated, and technology-led digital development was placed at the top of the new strategic plan, opening a new chapter in digital transformation. . In recent years, Bank of China has continuously upgraded its mobile banking, adhered to "mobile first", and built mobile banking into a world-class and industry-leading comprehensive financial mobile portal for the group. It strives to create a mobile banking platform that can travel around the world with one machine in hand. **Enjoy all mobile banking service experiences. In terms of strengthening the ecological construction of smart products and scenarios, Bank of China has fully used new technologies such as artificial intelligence, big data, and biometrics to build six smart channels, smart customer management, smart investment advisory, smart consumer finance, smart operations, and smart risk control. Large product system. In terms of scene ecological construction, Bank of China will also focus on the advantages of globalization and comprehensiveness, and create a high-frequency and high-viscosity pan-financial scene platform through self-built scenes, integration into scenes, and integration of scenes to comprehensively enhance customer experience and better meet customer needs. The people’s needs for a better financial life.
Bank of China Shaanxi Branch will, under the guidance of the head office’s strategic goals of “building a world-class bank in the new era” and building a digital bank, adhere to the guidance of financial technology innovation, strive to develop technological finance, and continuously enhance financial Service and product innovation capabilities, using the power of technology and finance, to further improve financial service levels and customer experience, enhance financial consumer satisfaction, and carry out the efficient and high-quality financial services of Bank of China Shaanxi Branch to the end.