With the continuous subversive innovation and change of urban construction and consumption concepts, new consumption represented by service consumption, information consumption, fashion consumption, etc. is developing rapidly. From products to formats, from service to leadership, from consumption to experience... Personalized and diversified consumption has gradually become the mainstream. Shanghai, as one of the five major international consumption center cities approved by the State Council, is one of the first cities in China to enter the trillion-level total retail sales of social consumer goods, relying on the vast consumer market, strong consumption vitality, complete consumer brands, cutting-edge consumer fashion and excellent consumption environment, constantly leading the consumption trend, and taking the lead in the cultivation and construction of international consumption center cities nationwide.
In terms of the launch economy, night economy, brand economy, and the creation of international consumption scenes such as "global shopping" and "selling global", Shanghai has achieved good results, and will further gather global consumption resources, enhance consumption energy levels, create consumer landmark carriers, accelerate the construction of a commercial civilization that matches the socialist modern international metropolis with world influence, and comprehensively launch the "Shanghai Shopping" brand. At present, Shanghai has issued a three-year action plan to accelerate the construction of an international consumption center city, which has brought unprecedented policy dividends and historic opportunities to related industries.
New opportunities for industry Consumption "carriage" adds momentum
Consumption coexists with the city and integrates with industry. The credit card industry, the "main force" of consumer finance, has long gone through the "first half" of barbaric growth, as an effective tool to stimulate domestic demand and promote economic growth, the credit card industry is moving towards the direction of intensive cultivation and building a "double cycle" new economic development pattern based on the domestic cycle. In the "second half" of the market competition pattern, credit card leading enterprises are the first to break the boundary, self-innovation, under the new normal of the economy, leading the industry to embrace new development opportunities, highlighting the new strategic positioning and the significance of the times.
As a leading financial institution rooted in Shanghai, SPD Credit Card actively plays its local advantages, pursues excellence in "breaking" and "standing", "entering" and "stabilizing", closely follows the tide of global integration and the strategic policy of domestic consumption upgrading, and closely follows the joint action of a huge consumer market, rich offline business scenarios and leading digital infrastructure, closely follows customer needs and creates a consumer environment. On the product side, service end and cultural end, SPD Credit Card is constantly innovating, creating a new card experience, docking the city-level consumer demand side and the supply side, so that more consumers can complete their daily consumption through mobile payment anytime and anywhere.
At the same time, the great development of financial technology is also breaking the restrictions of time and space, becoming an important driving force in the industry, bringing more possibilities for expanding service channels, upgrading service quality, and innovating business models. Especially since the outbreak of the new crown pneumonia epidemic, the retail business has been fully online, not only the online scene transactions have increased significantly, but the proportion of offline mobile payments has also grown rapidly. SPD Credit Card keenly seized the opportunity to quickly build a closed loop of consumption in scenarios, intelligence and services, realize the transformation from a "payment tool" to a "life assistant", play an important role in helping Shanghai accelerate the construction of an international consumption center, and continue to contribute to supporting the real economy and improving social and people's livelihood.
Looking back on 2021: Urban consumption "tide-
In the past year, SPD Credit Card has held many rounds at the same time, setting off wave after wave of consumption boom in Shanghai.
As a full partner of the second "Shanghai Nightlife Festival" in 2021, SPD Credit Card gave full play to its financial responsibility in the strong "nightlife" atmosphere of "international fan, Shanghai flavor, fashion trend, and pyrotechnics", and jointly launched a number of theme activities such as "Huishou Business District • PUFA Hi Shopping Night" in Shanghai Key Business Districts, extending "Night Shopping" from online gift vouchers to offline physical consumption, setting off a wave of night consumption in Shanghai.
Throughout the "May 5th Shopping Festival", SPD Credit Card also innovatively launched a variety of colorful special activities such as may 5th Shopping Festival Card, Theme Trading Day, Monthly Win, Daily Return, Leyou Pufa and so on, providing cardholders with a caring and convenient financial service experience, promoting the continuous heating up of consumption, and helping the overall recovery of the real economy. In the May Fifth Shopping Festival, the consumer market in Shanghai was prominent, and the city's cumulative offline consumption exceeded 250 billion yuan, an increase of 10.2% year-on-year.
In the "66 Life" theme activity, SPD Credit Card focused on the four major customer groups of "commuters, car owners, foodies and shopping families", covering the benefits of consumers from travel, entertainment and shopping, and creating comprehensive and intimate financial services. With a series of inclusive financial measures to help the construction of consumer cities and consumption transformation and upgrading, it has taken the lead in the industry.
The 2021 Shanghai Marathon will push the annual consumption boom to the highest point, bringing together more than 120,000 applicants, creating a fashion trend road running culture and innovative vitality of the industrial chain, SPD Credit Card with its rich sports event support experience and comprehensive product service matrix actively participated, launched SPDB Dream Card "Shangma UnionPay Platinum Credit Card" and "Run out of the wonderful, play the business circle" and other series of activities, expand service consumption, for the city's soft power "new business card" to support.
Looking Ahead to 2022: The Three Grippers Cast Soft Power
In 2022, SPD Credit Card will accelerate the pace of accelerating the construction of an international consumption center city and continue to awaken consumption momentum in the top-level design and bottom-level construction.
Establish multiple systems to achieve accurate matching of service supply and demand. SPD Credit Card will do more detailed and accurate work in the segmentation of customer groups, strengthen pain point governance in more diversified label portrait maps, directly attack the needs of users with personalized and differentiated customer service strategies, deeply maintain and cultivate customer relationships for a long time, and enhance customer value and loyalty.
Continue to deepen big data operations with mobile intelligence platforms as the starting point. Based on the digital operation system and big data analysis, we explore the establishment of a whole-process scientific decision-making system based on the credit card customer life cycle, enhance the rationality of product and process design, the effectiveness of customer expansion and maintenance, risk prevention and control and internal management, and transform consumer behavior and habits into intelligent link points at various levels.
Build a scene with a more open concept and create a new pattern of cross-border ecology. SPD Credit Card will further open up the C-end and the B-end, online and offline legs together, open up logistics, capital flow, information flow, accelerate the seamless docking of the platform and resource optimization: improve the payment as the entrance, consumption as the link, and app as the platform to build a multi-level cross-border ecology, build a diversified and intelligent scene with "food, clothing, housing, travel, shopping and entertainment" covering a wide range, and cooperate and integrate with vertical industries and emerging industries.
For example, in the five major international consumption center urban consumption activities launched in 2022, SPD Credit Card will continue to focus on the daily life of consumer groups such as travel, entertainment and shopping, and make substantial concessions in installments, discounts, and full reductions for commuting services, for example, 66 car purchase activities: 366 yuan of targeted card swiping gold if the car is purchased in installments; 66 refueling activities: log on to the one-click refueling platform to refuel, and enjoy a random discount of 1-66 yuan 66 parking activities: Cardholders can use WeChat pay to settle parking fees at the Jet Parking and ETCP parking lots in designated cities, and can enjoy a 64% discount. 66 Travel Activities: Cardholders can receive a 0.66 yuan coupon through the WeChat "Travel Courtesy" Mini Program, and choose PUD Credit Card WeChat Pay to enjoy the discount when using the WeChat ride code in the five major consumption center cities to take the bus or subway.
For food consumption and other aspects, key merchants such as United Point Dude and Haidilao have carried out substantial discounts and full reductions. Point Dude 66% off the cap of 100 yuan, haidilao full 300 li minus 66 yuan. In terms of business district scenarios, SPD Credit Card joined hands with China Resources Vientiane Business District and Plaza 66 Business District to create consumption reduction activities. China Resources Commercial District can enjoy a single purchase of retail rights and interests of 300 yuan or less of 66 yuan, the purchase of catering rights and interests of 200 yuan less 66 yuan; Hang Lung commercial district can enjoy a single purchase of designated retailers 3,000 yuan off 266 yuan, other designated retailers a single purchase of 300 yuan off 66 yuan, designated catering merchants a single purchase of 200 yuan off 36 yuan discount.
In addition, throughout January, cardholders can receive "super 6 red envelopes" when they reach the consumption standard, and the highest card payment is 666 yuan to achieve consumption return. By integrating the above various scenarios of high-frequency consumption of the public, from front-end merchant discounts to back-end subsidy benefits, the full link is penetrated, maximizing the consumption potential and empowering the construction of the five major international consumption center cities.
Group combat Home field advantage multiple rounds of power
In fact, since its inception, SPD Credit Card has always regarded the national strategy as the direction of progress, and regarded the needs of people's livelihood as the core of growth, and in the process of promoting the high-quality development of financial empowerment cities, the reason why it can maintain this consistent confidence mainly comes from two reasons:
On the one hand, relying on the home advantage of the parent company SPDB's Yangtze River Delta bank, SPDB, as a national joint-stock commercial bank headquartered in Shanghai, has continuously strengthened professional capacity building in the process of deepening the reform of the mechanism and system of integrated operation in the Yangtze River Delta; strengthened top-level design, strengthened innovation leadership, strengthened group coordination, and strengthened resource inclination, so as to serve industrial upgrading and infrastructure construction as the foundation. This is the natural advantage and foundation of SPD Credit Card.
On the other hand, no matter how the macro environment changes, SPD Credit Card always adheres to the original intention of serving customers and keeps in mind the mission of contributing to inclusive finance. As a consumer city builder, consumption transformation driver and consumption upgrade booster, under the national strategy of expanding domestic demand and double circulation, SPD Credit Card is committed to providing security and intimate services for every cardholder, so that more people can feel the convenience brought by consumption upgrades, and also make credit cards truly an indispensable part of daily life, better serve the higher level of opening up of the domestic financial industry.
In the process of building an international consumption center city, SPD Credit Card will lead the consumer finance industry, help Shanghai improve the city's energy level and expand its opening up, further launch the four major engines of "Shanghai service", "Made in Shanghai", "Shanghai shopping" and "Shanghai culture", gather global high-quality consumption resources, create an efficient and convenient consumer experience, continue to cultivate a large consumer market integrating "travel, shopping, food, entertainment and sports", effectively meet the people's growing needs for a better life, and strive to promote domestic and international consumption interconnection. Contribute to the construction of Shanghai International Consumption Center City.
![#Metaverse#qq Release Super QQ Show to Lay Out Meta universe What is Super QQ Show? It is the 3D upgraded QQ show driven by Unreal Engine 4, that is, the picture is better and more Q[fig]](data:image/gif;base64,R0lGODlhAQABAIAAAP///wAAACwAAAAAAQABAAACAkQBADs=)