Bank credit cards will become the key of financial ecosystem tomorrow

        According to the statistics of Financial Supervision Commission, 33 credit card issuers in 2019 issued a total of 7.84 million credit cards, with a total number of 47.39 million cards in circulation, breaking the record of 45.49 million during the double card storm. In the face of fierce competition in the credit card market, how can banks find a way to meet the needs of different card users with the "financial ecosystem"?

In 2019, E.Sun bank actively attacked the market with u bear card and only card's cash return and bonus points, issued 1289000 credit cards, and won the throne of card issuer; the second was Taishin International Bank Among them, flygo card and the "Street joint brand card" jointly launched by the leader of electric branch issued 1.054 million cards, and Fubang Taipei was not willing to be outdone. In cooperation with its own group's e-commerce Momo, it jointly launched the joint brand card of Momo to enter the online shopping community, issued 967000 cards, and took the third place.

Each bank will not hesitate to launch "shenka" to give high feedback, or join hands with online shopping e-commerce and strong brand channels, hoping to use credit card as a "knock on brick" to become the key for customers to enter the bank's door, build a unique "financial ecosystem", and launch a huge subsequent business opportunity for the bank. Taking the E.Sun bank U bear card as an example, aiming at the life habits of young white-collar people who "go to work to buy coffee, like online shopping, watch movies with friends on weekends, and send out for dinner", the E.Sun bank U bear card has designed such rights and interests as "general consumption 1%, designated supermarket 8%, designated online shopping 5%, movie city 20%, and free delivery feedback". This group is also regarded as the main market of online banking in the future. E.Sun bank Looking forward to "circle pink" in advance through credit card!

Through alliance with the channel, preferential rights and interests, and promotion activities To attract consumers to apply for credit cards, and then contact and collect card data of different groups, and then draw up marketing strategies and tactics through big data calculus analysis and modeling, so as to provide customized and all-round financial services and commodities. In other words, a thorough understanding of the cardholder's consumption field and payment application scenarios can provide appropriate marketing activities, thus improving the cardholder's swiping frequency and amount. For example: restaurant, restaurant, online shopping platform, department store, ticket booking network, room booking network, mass merchandiser supermarket And other cooperation to master the card swiping track of the cardholder in the bank's big data The database aims to extend and build a "financial ecosystem"; when cardholders are used to banking services, they also deepen their trust and identity to the bank brand, and then introduce other derivative financial products, such as credit, housing loan, wealth management, trust and insurance, to provide one-stop purchase of high-quality services, so as to establish a profitable business model.

        With the rapid development of science and technology and the rapid change of consumer behavior, the business model of virtual and real integration has come! The "Far Eastern Group happy credit card" integrates the advantage resources of 12 major customs enterprises of the Far Eastern Group, and the payment by credit card is constructed in the "Far Eastern Group Life Circle". It is the fifth credit card in the market that has jumped to a "million club". The cardholder can enjoy various discounts and conveniences of account signing consumption in the retail system of the Far Eastern Group, as well as the Far Eastern International Bank Services for various customized financial products, such as: before April 30, you can swipe your far eastern international bank card in Friday Shopping, and the maximum amount of your monthly installment can be refunded as NT $1600; Far Eastern International Bank and Far Eastern Plaza Hotel also, In cooperation with Taipei, before June 30, we will brush "Far Eastern Group top happy card" at caf é buffet, and enjoy 75% discount for meals every day, and 80% discount for other Far Eastern International bank cards (not applicable for special festivals). In addition to catering, there are also over value rewards for driving, including: the first successful application for the auto store value service of the credit card Etag of Far Eastern International Bank, which will give back 100 yuan of stored value as a deposit; the first successful payment of the smart parking fee of Etag with the card of Far Eastern International Bank, which will give back 50 yuan of card payment (limited to 4000 people). Adhering to the brand commitment of "give you more, give you the best", Far Eastern International Bank credit card will become the best happy pass for free travel in the life circle of Far Eastern Group!