1. First of all, in view of the fact that young customers advocate personalized life, credit cards are deployed in sports, movies, games, animations, videos, music and other fields to combine the personalized life needs of young customers with The close integration of credit card service functions attracts them to actively use credit cards to express their personalized lifestyle. On the other hand, we continue to launch a variety of activities such as concerts and drama discounts, business district promotions, half-price food, and movie sales through the mobile terminal to meet the different life preferences of young users, so that they can always find the best rights and interests for themselves. , significantly increasing the customer stickiness and card consumption frequency of young customers.

2. At the same time, in terms of activating the consumption enthusiasm of old users, credit cards also adopt a multi-pronged approach to create a one-stop card discount platform covering all major life consumption scenarios such as a food, clothing, housing, transportation and entertainment platform. Specialized, diversified and personalized services meet the life needs of regular customers. Then introduce a membership-based business model and bind customers' card consumption with membership upgrade rewards to attract old users to use credit cards more frequently. Continuously expand mobile payment scenarios, further deepen the integration of online and offline payments, and cleverly combine Internet thinking with people-benefiting activities to better meet the actual needs and payment habits of cardholders, increase card usage activity, and further expand competition. Advantages, win reputation among users, and seize the first-mover advantage in the "cardless era".

3. Through a comprehensive gift voucher platform that integrates purchase, redemption, transfer, collection, inquiry and *enjoyment, a consumption model of "online coupon collection and offline enjoyment" has been created, covering High-quality resources across the country provide cardholders with richer and more convenient consumption discount integration services. On the one hand, it provides cardholders with card swiping discounts, on the other hand, it drives cardholders to upgrade their consumption methods, promotes offline consumption, and uses a platform strategy to connect cardholders and merchant resources. While promoting consumption upgrades, it is also effective Promote user stickiness and frequency of card consumption, thereby forming a win-win situation for "banks, users, and merchants".

Proposal idea:

In the era of mobile Internet, the market competition of credit cards is extending from the traditional competition of product functions to the competition of business philosophy, service experience, product innovation and refined management. In all-round competition, credit card institutions can only compete in the fierce market by allowing each business link to maximize their competitive advantages and synergy, build a one-stop, all-round, and convenient credit card consumption experience for food, clothing, housing, transportation, and entertainment, and win the lasting trust of users. stand out.