青岛工行:构建美好家园 让金融服务触手可及
中国山东网—感知山东9月26日讯作为移动金融服务的青岛领跑者,青岛工行面向县域客群推出了手机银行美好家园版,工行构建旨在为县域客户提供专属的美好移动金融服务体验,在大银行服务重心下沉中发挥“头雁效应”。
美好家园版手机银行主要服务于县域客户,家园及通过“总行统一开发+分行特色研发+分行自主运营”模式,让金融服引入幸福存款、青岛幸福理财、工行构建幸福贷款、美好惠农服务、家园及小微金融等多样化金融服务,让金融服同时将运营权限下沉,青岛打造“千县千面”差异化服务,工行构建满足不同县域客户多元化金融服务需求。美好据悉,家园及美好家园版手机银行汇聚了“惠民、让金融服惠农、惠商”三大类专属金融服务。
下沉服务 让金融服务触手可及
下沉服务的第一步,就是降低客户的注册门槛。工行此次推出了“一键注册”服务,客户可通过手机银行扫描二维码实现“线上填单,线下领卡”,即扫码完成个人信息录入后,到附近的网点或集中外拓服务点领卡,极大提升便捷性,让工行的优质金融服务变得触手可及。
惠民服务 精准画像校准用户
工行对县域客户的金融服务偏好描绘了精准画像,推出了幸福系列专属服务,更好地契合县域客户的投、融资需求。
“幸福理财”精选添利宝和余额理财两款T+0理财和基金产品,同时,提供多款县域专属理财产品,满足县域客户财富管理需求。
“幸福贷款”推出了一键贷服务,可根据客户需求,智能推荐贷款方案,省去了客户的选择的成本。
“幸福存款”提供了起点低、期限灵活、利率上浮的整存整取定期存款产品,同时提供多款大额存单产品,为县域 客户提供充足的存款产品选择空间。
惠农服务 满足不同金融需求
引入惠农专区,提供全国15000多种价格指数、200余场免费农技课堂。工行手机银行一直以来都是银行系APP的领跑者。此次推出的手机银行美好家园版,是工行在开展客户分层服务、打造极致体验方面所做的又一次尝试,推出后,或将再次获得大量县域客户的青睐。
惠商服务 小微金融践行普惠
服务小微企业也是金融服务下沉的重要任务。县域地区小微企业主众多,工行手机银行美好家园版从这些小微企业主使用金融服务的痛点、难点出发,创新服务模式,打造小微服务专区,为小微企业主提供集便捷开户、收单、贷款融资等在内的全流程、一站式服务。
目前,青岛工行县域版手机银行已在工行平度、莱西、胶州、即墨、黄岛等五家支行投产上线。
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