One needs not to visit the bank, just taps fingertips on the PC or mobile client to apply for a credit card, and would receive the feedback of the outcome as short as 5 minutes. The cardholder approved can process online payment with the virtual card info before receiving the physical card. Recently, following the "paperless" card issuing, code scanning via mobile phone to apply for card, the Industrial Bank promotes a new model for credit card. With "self-service online card application platform", it provides applicants with a new experience of Internet + by quick processing anytime, anywhere.
Industrial Bank Credit Card "self-service online card application platform" supports operation via mobile phone and computer. The reporter tried with mobile phone: logging in IB mobile bank, selecting "online credit card application" and filling in some application information and submitting. Less than 5 minutes, a short message was received saying the card was approved, then the reporter followed text prompts to verify identification information at nearby IB bank outlets. And pretty soon, the staff provided a virtual card number, and noted that it is valid credit card number, which can be used for online shopping without having to wait for the delivery of physical card.
Zheng Zhiming, the general manager of the Industrial Bank Credit Card Center, said, "self-service online card application platform" uses intelligent technology of Internet for self service application of credit card online, and detaches the card information from the card carrier; after the completion of the counter verification, a valid virtual card number will be provided to clients on site for online payment, thus upgrading the "fast" feeling for card use to fit the demands of younger generation as the main credit card customers.
"This card mode not only improves the efficiency of the card verification, but also, to our bank itself, saves labor costs in promotion and verification, and avoids the waste of making invalid card, in line with Equator Bank's concept as to low-carbon, and environmental protection." According to the person in charge at Industrial Bank Credit Card Center, through the combination of online customer acquisition and counter verification, it helps control the risk of credit card business, and also avails to broaden the customer acquisition channels and increase cross-selling.
With the change in consumption behavior and financial development of mobile Internet, the Industrial Bank "self-service online card application platform" progresses to the "convenient and efficient" direction, becoming a helpful exploration and demonstration of OTO in credit card industry. At the same time, it “increases incomes and decreases expenditures” at web end, and introduces online clients into offline outlets, thus opening up service channels, which can be seen as a good way in "cross-marketing" to help enhance customer loyalty, expand the space for development and improve the retail banking competitiveness.