A bank card is almost a must-have in our daily lives. Recently, however, more and more people are finding it more difficult than ever to get a new bank card. What's going on here?
Xiao Li is a freelancer, and recently he plans to open a new bank card to manage his finances. When he walked into the bank with confidence, he was told that he needed to provide a complex set of qualifications.
Proof of income, proof of address, proof of identity......
A series of cumbersome procedures made Xiao Li feel a headache.
"Why has it become so complicated to apply for a card now?" asked Xiao Li puzzled.
The bank staff explained: "In recent years, in order to strengthen financial supervision and prevent financial crimes, banks have indeed been much stricter in reviewing account openings. ”
This strict review system has caused great distress to freelancers like Xiao Li and many people who do not have proof of regular income.
They are often told that they cannot open an account because they cannot provide complete proof of eligibility.
To make matters worse, even if you already have a card, your bank may deactivate it if you haven't used it for a long time. When you need to reactivate, you need to face a series of red tape.
Behind this strict control, it is actually revealed that banks attach great importance to financial security.
Should this emphasis come at the expense of the customer experience?
We must admit that financial security is paramount.
In the pursuit of security, should banks also consider how to serve customers more humanely, and whether there are other ways to verify the identity and credit of customers, rather than relying on a single piece of paper?
In order to compete for customers, can banks simplify the account opening process and improve customer experience while ensuring financial security?
As customers, we certainly expect banks to provide services that are both secure and convenient.
As a bank, how to meet the needs of customers while ensuring financial security will be a question worth pondering.
Perhaps, in the future, banks can use technical means, such as facial recognition and big data analysis, to more accurately verify the identity and credit of customers. This ensures both financial security and an improved customer experience.
The difficulty of applying for a bank card is just a microcosm of the strict financial regulation.
In the pursuit of financial security, we need to continue to explore and innovate to find a solution that can ensure security and meet the needs of our customers. This requires the joint efforts of banks, governments and all sectors of society.
We also appeal to our readers and friends to have enough understanding and patience for the difficulties in applying for bank cards.
I also hope that you can actively participate in the discussion of financial security and contribute to our financial environment.
What do you think about the difficulties of applying for a bank card? What are your thoughts on balancing financial security and customer experience? Welcome to leave a message in the comment area to discuss!
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