Mobile payment is developing rapidly, but groups such as the elderly prefer cash payment, and foreign people in China are also not suitable for the domestic payment environment. In order to facilitate the payment of "one old and one foreigner", Bank of Communications Shanghai Songjiang Sub-branch has recently made efforts to dredge the payment blockages of this group by strengthening cash service and management, optimizing the account service and overseas bank card acceptance environment for overseas people coming to China.
After a phone call, the change exchange team of the Shanghai Songjiang Branch of the Bank of Communications came to the Nonghao Fresh Supermarket on Renmin North Road. "There are many elderly residents around our supermarket, and they are used to using cash, so we need to have change on hand." Shi Yimeng, the owner of the supermarket, said that in the past, he needed to make an appointment to change change at the bank and pick it up at a fixed time every week.
This convenience comes from the "coin purse" exchange service launched by the Shanghai Songjiang branch of the Bank of Communications in March this year. In addition to making an appointment and coming to the outlets for exchange in the past, the sub-branch also set up a volunteer service team to carry out door-to-door exchange, packaging small denominations of cash such as 20 yuan, 10 yuan, 5 yuan, and 1 yuan into "coin purses", so as to provide sufficient cash flow guarantee for merchants and units in the fields of food, housing, transportation, travel, shopping, entertainment, and medical care. Up to now, more than 3,000 "coin purses" have been distributed in 5 outlets of the sub-branch.
In the face of changes in the payment environment, cash still plays a role as a backstop. In order to facilitate cash payment for overseas visitors to China, Huang Ying, manager of the business department of Shanghai Songjiang Branch of Bank of Communications, introduced that all outlets provide 18 kinds of foreign currency exchange services, and overseas visitors to China can exchange small denominations with valid identity documents such as passports without opening an account. At the same time, 24-hour ATMs at all outlets support the acceptance of overseas bank cards.
"We have also improved the level of account services, optimized the account opening service for overseas visitors to China, simplified the process and provided a special window for fast bilingual services." Huang Ying introduced, "At the same time, after opening an account, you can provide domestic card payment, or bind it with Bank of Communications mobile banking, UnionPay, WeChat, Alipay and other APPs to realize the function of scanning QR code and online payment." ”
Nora, an international student from Spain to the mainland for a short period of time, recently brought euro cash to the branch to exchange RMB for daily needs. The branch assigns a foreign language service specialist to help it complete the foreign exchange settlement business quickly and conveniently. At the same time, in order to further help her experience the convenience of electronic payment, the staff of the Bank of Communications introduced the process of applying for a bank card to Nora. Customized English version of the service guide, foreign language version of Bank of Communications mobile banking, one-stop professional service makes Nora give a thumbs up.
Text and pictures: Li Zhenzhen
Editor: Han Jiayi