For customer experience of credit cardholders, there are two common headaches: one is complex and time-consuming procedures. Users have to go to the bank to verify identity even if a card is applied online; the other is that previous promotions have been overdue or adjusted after obtaining a credit card.
In order to improve customer experience, IB pioneers new mode of “Credit Card O2O Quick Live Issuance”, upgrades procedures for “online self-service card application”, so that users can apply for or open a card directly at the venue of a merchant. After applying for a card via mobile devices such as phones, customers have no need to go to the bank but have their identity verified through “financial self-service terminal”, a verification imitation device carried by bank personnel, then they will get a virtual account for consumption, and realize immediate credit card application.
“Our quick issuance mode covers large shopping malls, supermarkets and maternal & child comprehensive shops. This mode allows on-the-spot card application and identity verification. Clients can use virtual accounts, which come into effect immediately, to make online payments or offline consumption by binding devices such as phones, which is of great convenience.” Wang Yu, GM of Bank Card and Channel Department of IB, said.
In Shanghai Yaohan, Mr. Chen experienced the convenience of IB’s “Credit Card O2O Quick Live Issuance”. Guided by bank personnel, he applied for “Xing Power” credit card via a phone, and received approval message within 5 minutes after his application was submitted, then he completed identity verification with ID card and the message and got a virtual account of credit card on the spot. It so happened that March 8 “200 concession for 400” promotion, co-sponsored by IB and the shopping mall, was going on, so Mr. Chen immediately bound the virtual account with quick pay via his cellphone, and enjoyed the concession while purchasing a present for his girlfriend. “It is the first time I find card application so quick!” Mr. Chen praised.
IB’s “Credit Card O2O Quick Live Issuance” mode combines previously-divided parts including “card application”, “card verification” and “consumption”, creates a one-stop “service window” featuring on-the-spot card application, on-the-spot card verification and instant use, and integrates bank card issuance with card promotion as one. Again it updates live application of consumer finance for credit cards and satisfies client’s needs of quick consumption in the era of mobile Internet.
It is reported that IB has promoted “Credit Card O2O Quick Live Issuance” mode in over 30 large and middle-sized cities, such as Nanjing, Hangzhou, Nanchang, Hefei and Ningbo, issuing more than 80 thousand credit cards on the spot.