Domestic mobile phones have long been no longer the era of Huaqiang North Cottage Machine that filled the street.
Nowadays, whether it is cost-effective or high-end machines, you can find your own choice from various brands.
When Apple's camera is still stuck at 12 million pixels, domestic manufacturers have made sufficient efforts in the lens, refreshing the ceiling of the mobile phone camera again and again.
In 2018, when Samsung released the news that it was ready to release a flexible screen folding mobile phone at the end of the year, a humble domestic company Royole released it two months in advance, grabbing the title of the world's first folding screen mobile phone.
Today, Huawei has made the Mate X2 with top hardware, innovative interaction and application ecology, which can be called the NO.1 in folding screen mobile phones.
OPPO's recently new Reno7 has attracted a lot of praise in appearance.
"Appearance is justice", domestic mobile phones have not dropped the chain in the beauty pageant.
The X70 series flagship model launched by Vivo is undoubtedly the heaviest product of Vivo this year, which is also a charge launched by Vivo in the high-end.
Judging from the data of China's mobile phone shipments in the third quarter of 2021, domestic mobile phones have almost occupied most of the market share.
Except for Apple, which ranks fifth, the rest are domestic mobile phone brands.
It is not difficult to see that the current domestic mobile phone is in a period of rapid development.
Not long ago, at Huawei's developer conference, Hongmeng System 3.0 was also released, bringing us a more perfect Hongmeng ecosystem.
It can be said that whether it is from performance to system, or from image to ecology, domestic mobile phone manufacturers have shown us a very strong vitality.
Adapt to the needs of the times users in the first place
In line with the changes of the times, smart phones are constantly upgrading and optimizing.
At the same time, along with domestic smartphones, there is also mobile payment.
Remember those days when you couldn't live without cash?
You have to go out with your wallet, which contains small and large change and cards. Buying a bun at a bun shop also has to take out cash, and when you encounter something that is not exquisite, you have to endure the boss taking dirty money with his hands and kneading the noodles.
But mobile payments have changed all that.
After the gradual popularization of Alipay, WeChat and other third-party payment software, we gradually opened the era of only needing to take a mobile phone to go out.
Ten years ago, it was difficult for anyone to think that the value of POS equipment, which only appeared in large shopping malls, had also fallen from thousands of yuan to 100 yuan.
Nowadays, mobile payment is the most mainstream payment method.
From cash payment to card transactions to the current mobile payment, the change of people's payment habits is also driving the profound adjustment of the industrial pattern behind it.
In order to comply with the current consumption habits of consumers, the banking industry has also made corresponding upgrades.
In the era of mobile payment, a mobile phone and a printed two-dimensional code can open up both ends of the circulation field and complete payment easily and conveniently.
For the credit card industry, which is mainly based on the means of card payment, under the premise of retaining its original accumulated advantages, it should develop in the direction of intelligence, digitization and convenience.
Therefore, under the premise of considering putting user needs first, digital credit cards came into being.
At the same time, digital credit cards have become a new weather vane for the entire credit card industry.
With science and technology as the wing to a new journey
As a pioneer in the industry, GF Credit Card has taken the lead in the field of mobile payment.
In order to comply with the changing needs of consumers with the development of the times, GF Credit Card has created a number of digital credit cards.
Fintech transformation is one of the specific manifestations of banks fundamentally reshaping their business models and actively learning from digital competitors.
Changing the experience of most banking services in the past that most banking services require offline cumbersome processes, GF Credit Card took the lead in the industry to launch an online "instant, instant, instant" scenario rapid card issuance model. It will open up one-stop links such as customer acquisition, card application, approval, activation, and consumption, and greatly improve credit card marketing and customer experience.
Not only that, GF Credit Card has also cooperated with a number of domestic head mobile phone manufacturers, and has targeted digital credit cards such as Huawei Card, OPPO Card, and vivo Card according to the different tones of mobile phone brands.
Mobile phones are the necessary carriers for mobile payment, which are also full of scientific and technological attributes.
The cooperation between GF Credit Card and mobile phone manufacturers has created a "mobile phone + credit card" two-in-one digital credit card product, from application to use, and even account management can be completed online, so that the user experiences the smart consumption experience of mobile phones as credit cards.
Take OPPO Card, has cooperated with mobile phone manufacturers, OPPO system resource benefits since the essential, such as the current month of the card to meet the standard, the next month can choose to get the Huantai member monthly card, including mobile phone 10,000 + theme fonts, 50G cloud space and other 10 member privileges.
The monthly consumption of vivo card is up to standard, and the next month you can receive vivo official rights such as i-video monthly card.
The same is true of Huawei Card, which will give away a member of the HUAWEI CLOUD service terminal application after the user activates the card, and choose one of the three from the Cloud Space 200G Season Card, Huawei Video Season Card, and Huawei Music Season Card.
In addition, whether it is OPPO Card, vivo Card or Huawei Card, all the management of the card is perfectly matched with the wallet intelligent management function included in the mobile phone, from checking the account to the repayment can be solved in one stop.
In addition to digital innovation through cooperation with mobile phone manufacturers, ensuring the security of digital payment and the prevention and control of credit risks is the eternal core of the financial industry.
GF Credit Card insists on promoting financial technology to empower risk management.
In this work, GF Credit Card combined the big data model and the real-time risk control system to develop the "real-time risk control - anti-fraud model". With the help of AI machine learning, 7× 24 hours a day to monitor every transaction of customers, intercept fraudulent transactions in real time, and lay multiple protection nets for card payments.
Create a high quality digital life Guangfa Credit Card in action
GF Credit Card has chosen to cooperate with head mobile phone manufacturers on the road of financial technology.
First of all, for different mobile phone platforms, GF Credit Card provides more personalized credit card services according to different characteristics, directly hitting the needs of users.
GF Credit Card cooperates with OPPO and vivo to mainly target users, that is, the younger Z generation group. Obviously, according to the characteristics of young users, the main rights and interests of OPPO Card and vivo Card can meet the needs of young people.
Eating, drinking and having fun is a basic need, in addition to OPPO Pay, vivo Pay pen and pen consumption 3% cashback discount, new users can complete the card swipe task after opening the card, youku, iQiyi three major video website membership season card any choice, to meet the needs of young people to chase popular variety shows and TV series.
The cooperation with Huawei can more accurately target the Hongmeng ecology that Huawei, as a technology giant, has been committed to building. From the concept of "billions of connections, intelligent connection of all things" of the Hongmeng system, we can imagine that the Hongmeng ecology after cooperation with the banking industry may break the existing mobile payment methods in the future and bring new experiences.
Working with technology giants to create different digital credit cards according to the characteristics of different platforms is also a further division of the credit card market. In the existing credit card stock market, if you want to enhance your own competitiveness, you need to deepen the refined operation and enhance the brand competitiveness with personalized services.
This is also one of the reasons why GF Credit Card will choose to cooperate with head mobile phone manufacturers.
Secondly, in the field of mobile payment, mobile phones are an indispensable carrier.
In the information age, a mobile phone can meet a variety of scenarios such as mobile payment, transportation, life services, and financial services.
Through cooperation with leading mobile phone manufacturers, GF Credit Card is committed to taking technological innovation as the driving force, opening up online and offline consumption scenarios, and providing high-quality and efficient digital finance and digital life services with partners.
On December 12, the cumulative number of cards issued by GF Credit Card officially exceeded the 100 million mark.
It should be known that so far, only a few banks such as large state-owned banks, such as large banks, agriculture, China, construction, and communications, can exceed the 100 million mark.
Now that the card-issuing billion-level club has added another member, this is undoubtedly a shot in the arm for the credit card industry, which is in the process of transformation and adjustment.
It is worth mentioning that while Guangfa Credit Card announced a breakthrough in card volume, it also announced that the non-performing rate by the end of the third quarter was 1.55%, and the risk control water was stable in the first echelon.
The reason why it can also assume the responsibility of the "first echelon" during the industry adjustment period is precisely because GF Credit Card has carried out the transformation of the overall management model from the inside to the outside at multiple levels of service model, risk control model, channel model and market model.
In the face of competition between industry stocks, GF Credit Card has built a unique credit card center in multiple aspects of experience, security, products and services, and at the same time, it has also found a unique comprehensive financial road.
Taking the initiative to embrace financial technology and create personalized digital credit cards such as Huawei Card, OPPO Card and vivo Card, it shows us the vision of GF Credit Card to keep pace with the times.
To some extent, this has also become one of the reasons why GF Credit Card can achieve today's results.