"Digital Cloud" Kezhi link to open the convenience service "last mile"

"Digital Cloud" Kezhi link to open the convenience service "last mile"

Zhou Liqun Luoxia

"Thank you Xiao Wang, in less than two minutes, you helped me recharge the water fee successfully, and it was a few dollars cheaper. This online payment is really convenient. I will pay it on it next month ... ... "Ms. Lin pointed at her mobile phone happily.

Recently, after more than three months of system construction and debugging, Sichuan Jiangyou Rural Commercial Bank's water and gas expenses collection system was successfully launched. More than 280,000 users in the main urban area of ​​Jiangyou City and some towns and villages can pass the counter, self -service equipment, EPOS of EPOS, Personal online banking, mobile banking and other online and offline multi -channel payment, effectively shortening the time of the mass payment, adding a "new trunk line" to the general public's water and gas recharge.

The "bank -enterprise" linkage and explore the "new model". Seemingly the most rugged, easy to become difficult but hard. A group is the largest state -owned holding enterprise in Jiangyou City, with a variety of business operations, covering financing, urban infrastructure construction, gas supply, and water supply. Before the system was launched, the group's user payment was mainly concentrated in the three outlets in the urban area and the WeChat agent payment. The channels were relatively single, and the customers were inconvenient. In response to this situation, Jiangyou Rural Commercial Bank actively sought cooperation opportunities to make full use of advantageous resources such as multi -faceted and wide -looking, technology intelligence, and explore the establishment of a "online and offline multi -channel payment" platform. The bank held a special marketing meeting and set up a special work class. Under the above rates of members of the team, we strengthened the docking. Several visits and door -to -door coordinations were coordinated. Signed a contract and finally signed a strategic cooperation agreement. The development and utilization of the collection and payment systems of water and gas expenses is the "new exploration" of the "banking enterprises" on the basis of deepening cooperation in the field of science and technology intelligence.

Multi -party force to solve the "new problem". At the beginning of the system construction, due to the integration of the group's customer service system, internal management system, and comprehensive charging system, the financial service interface involved in the external provision could not be determined, resulting in the project that was put on hold. After the Sichuan Provincial Union Computer Center Mianyang's central center learned about the situation, he led the technicians of Jiangyou Rural Commercial Bank to learn about the situation. In response to the group's traditional card table users who could not connect this "crux", they took the initiative to propose a solution: the first step can be first, you can first first first Regarding the interface docking of the water and gas agency of the mechanical watch and the smart watch user, the second step is to be connected after the traditional card table user gas meter type integration is integrated. Methods to realize the stools of traditional card table users and realize "one -stop" services. In the end, the plan was unanimously recognized by the group's business staff and third -party developers, resulting in the smooth development of the project and laid the foundation for the launch of the later projects on time.

Pratt & Whitney, provides "new services". After the system was launched, the project used the resources of Jiangyou Rural Commercial Bank outlets, employees, smart machinery, mobile banking and other resources to solve the "last mile" problem of real -time payment of users in real -time users, and realized the deep integration of financial services and social livelihood. At the same time, the bank also uses mobile banking to pay random reduction activities to guide users to do the nearest and online payment. The system has been launched for less than a month, and it has benefited more than 2,200 users, with a preferential amount of 14,800 yuan. In the later period, the bank will focus on customer needs, and for 280,000 groups of water and gas paying customers with targeted accurate matching loans, insurance, wealth management, mobile banking such as mobile banks, etc., upgrade and optimize the financial "scenario" service model, and continuously enhance customer viscosity. Improve the sense of gain and satisfaction of customer finance.

In recent years, Jiangyou Rural Commercial Bank has taken inclusive finance as the starting point, combined with the actual situation of regional people's livelihood, and actively promoted the construction of benefit farmers and convenience services. Financial products and services such as the real -time query of the service outlets, the "multiplier" bus information, the "semi -price multiplication of the bus" and the recharge and exemption fee of mobile banking, the cumulative saving more than 1.45 million yuan in living expenditures for the masses. In the next step, Jiangyou Rural Commercial Bank will adhere to the purpose of "inclusive finance Fuze urban and rural", give full play to the advantages of the bank, wide service, and close to the people, further accelerate the pace of business innovation, broaden the breadth and depth of financial services and depth Provide more convenient, fast and high -quality financial services for the people of the people, and constantly polish the golden signboard of "Sichuan Agricultural Credit Sichuan people's own banks".

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