In the current era of "retailers win the world", retail business has become the most concentrated embodiment of bank digital upgrading, and credit card, as the most mature part of retail business, has also become the vanguard of digital upgrading. August 3rd,JingDongDigital Technology Group (hereinafter referred to as JD.com Mathematical Science) join handsBank of Beijing(quote 601169, diagnosis stock), JD.com PLUS members have launched the Union Credit Card-- "Bank of Beijing JD.com PLUS Joint Credit Card". This is following the epidemic period, the Bank of Beijing and JD.com continued to strengthen cooperation, after the improvement of credit card digital operation capacity to achieve performance growth, the two sides further deepen cooperation. Users can apply for the card through the online and offline channels of JD.com Mall APP, JD.com Financial App and Bank of Beijing. If you open and swipe the card, you can participate in receiving a 2-year JD.com PLUS annual card, with weekly deductions, a maximum of RMB520 for shopping and a maximum of RMB99 for daily swiping.
Connect banks, merchants and users to help banks achieve performance growth
In this cooperation, Bank of Beijing focuses on the consumer demand of the elite group of quality life, innovates and upgrades the digital customer acquisition model, and provides customers with professional financial services and preferential online shopping experience. JD.com Mathematical Co., Ltd. coordinates the scenes and rights of Beijing Bank, JD.com PLUS and JD.com Finance, and provides banks with full process services for digital credit card operation, including online application, technical support, user rights, etc., to help banks access the products and systems of JD.com PLUS members, provide rich rights and interests while ensuring the quality of users.
It is understood that the Bank of Beijing and JD.com have a long history of cooperation. During the period of June 18 this year, the two sides jointly launched a "gold paste" discount for consumption, supporting users to cash back their purchases and activating the vitality of the consumer market. Prior to this, during the epidemic, the two sides increased their support to Huimin Finance, with the help of JD.com, JD.com supermarket, JD.com fresh, JD.com Mall and so on.Large consumptionThe scene, relying on JD.com 's e-commerce and logistics system, has created a "stay at home, home self-help" service experience for Beijing Bank credit card users, and bring warmth and care to customers with the financial consumption service of benefiting the people and benefiting the people.
As a leader of domestic city commercial banks, Bank of Beijing actively promotes digital transformation and intelligent business model, and is committed to creating all-channel integrated, digital and intelligent professional financial services and the ultimate customer experience. The relevant person in charge of the Bank of Beijing said that the previous cooperation with JD.com has achieved good results, and this cooperation also values JD.com 's ability and experience in the digital operation of credit card business, as well as the high-quality user group of JD.com 's PLUS membership system, looking forward to the next three parties to join hands to provide more users with more preferential and convenient services.
JD.com, head of PLUS member business, said that at present, financial services are getting more and more deeply into the life scenes of all kinds of users. This time, in cooperation with the Bank of Beijing and JD.com, we are also looking forward to embedding credit cards and other services into the member service system to provide users with a smoother and convenient financial service experience.
"Alliance Credit Card" is issued regularly to speed up the digital upgrading of banks.
Banks have accelerated the development of retail business in recent years, but the model of relying on offline outlets to develop their business has been hit by the Internet. With the outbreak of the epidemic, businesses such as credit cards, especially at the customer acquisition level, have been affected more prominently. Taking the epidemic as an opportunity, the digital and fine operation of credit card business has attracted the attention of the industry. Compared with the state-owned and joint-stock banks, the credit card business of regional banks expects more breakthroughs in customer management, scene docking and so on. The mode of strengthening foreign cooperation and building the customer group sharing, channel co-construction and hand-in-hand growth of finance + ecosystem has become increasingly mainstream.
The launch of "Bank of Beijing JD.com PLUS joint card" shows that the issuance of JD.com financial "alliance credit card" under JD.com has become normal. JD.com digital help banks to carry out digital operations, but also attracted more banks, scene parties to join the ranks. It is understood that in April this year, JD.com joined hands in mathematics.iQIYIEight regional banks have launched a batch of cross-border alliance credit card products-- "JD.com Financial iQIYI, Inc. Video and Entertainment Joint Card". After the card was issued, the number of users has increased considerably. At present, some banks continue to join the ranks of cooperative issuance of the card.
JD.com serves for the upgrading of bank credit card digital operation, and provides banks with digital customer acquisition, technical support, operation and other full-process digital services. At the same time, cooperate with various scenario parties and banks to build a digital operation system to support the whole process of card application, technical evaluation, issuing and sending cards, activation cards, customer life cycle management, and so on. According to the latest data, it has worked with more than 40 banks to issue more than 10 million joint credit cards.
During the epidemic, JD.com 's mathematics department communicated closely with the cooperative bank to deal with the challenges brought by the epidemic. JD.com Mathematical Associates with banks that are unable to carry out offline marketing activities, planning a variety of online activities to provide convenient services for customers, but also effectively invigorate the stock of customers and enhance the production capacity and potential of offline operations of outlets and customer managers. With joint efforts, the scale of joint cards of JD.com 's cooperation with banks during the epidemic not only did not decrease, but increased steadily, bringing driving force and guarantee for the sustainable development of banking business, and also promoting a rebound in consumption.
According to the person in charge of JD.com 's mathematics department, the company will continue to open up merchants with various rights and interests, such as travel, entertainment, life, e-commerce, accommodation, and so on, so as to play a connecting role, improve the docking efficiency of banks and merchants, and provide better services for users at the same time. In the future, we will continue to accumulate the digital operation capacity of the credit card industry, and join hands with merchants, banks and other financial institutions to create greater industry value and social value.