Qiu Liao

Today, with the popularization of mobile payment, cash is still a "rigid need" in the lives of many elderly people and rural residents. How to make change exchange more convenient and cash service more intimate? Focusing on the needs of "one old and one young" and special groups, the Guixi Sub-branch of the Postal Savings Bank has innovatively launched the "Coin Purse" convenience service, opening up the "last mile" of financial services through standardized, scenario-based and customized change solutions, so that the warmth of inclusive finance can flow in every corner of the city and countryside.

Standardized service: 500 "coin purses" to solve people's worries

"In the past, I had to go to several stores to buy food for change, but now the bank directly delivers change to my door, which is so convenient!" At the Xiongshi Street Farmers' Market in Guixi City, Aunt Li, who runs a vegetable stall, held a red "coin purse" customized by the Postal Savings Bank and praised it again and again.

針對商戶、老年人、計程車司機等群體的零錢需求，郵儲銀行貴溪市支行推出1元、5元、10元、20元小面額標準化“零錢包”，內含不同面額紙幣和硬幣，可即來即取、即缺即補。截至目前，該行已在全市布放“零錢包”500餘個，覆蓋農貿市場、商超、公交公司等多個重點場景，累計兌換零錢超30萬元。

Scenario-based reach: The change service "flows" to the side

In order to make the service more down-to-earth, the Guixi Branch of the Postal Savings Bank set up a "change service team" to drive financial service vehicles into communities, villages and markets, and carried out activities such as "change to catch up with the big market" and "mobile bank into the village". At the temple fair site in Tangwan Town, the staff exchanged change for the stall owners and popularized the knowledge of anti-counterfeit money; At the Binjiang Community Elderly Care Service Center, the silver-haired people can enjoy skip-the-line services through the "change appointment window", and can also pay water and electricity bills on the spot with change.

“我腿腳不便，銀行的小夥子每個月都來家裡幫我換零錢存養老金，比親兒子還貼心!”81歲的獨居老人王大爺感動地說。該行已為行動不便客戶提供上門零錢服務超百余次。

Mobilization and co-construction: small money leverages people's livelihood

The Guixi Sub-branch of the Postal Savings Bank actively builds a service ecology of "bank + community + merchant", takes enriching the supply of payment services and deepening the construction of payment scenarios as the entry point, adopts the publicity method of entering enterprises, communities and markets, and explains the convenience of cash payment and other related policies to the general public. At the same time, it locks in local supermarkets, buses, characteristic blocks and other types of customers, adopts door-to-door communication, supports and publicizes the application of cash payment services, and promotes the "coin purse" reservation exchange convenience service. The bank combines change services with anti-fraud propaganda to help the masses keep their "money bags".

Up to now, the staff of the Guixi branch of the Postal Savings Bank have issued more than 500 "coin purses" to the public and business entities. The staff of the bank said: "When it was first promoted, many business entities did not know what "coin purse" was, but after door-to-door visits found that everyone more or less has exchange needs, and at present, there are also business entities who take the initiative to make an appointment to exchange customized "coin purse" at bank outlets, and I feel that everyone recognizes the new thing of "coin purse". ”

There is no trivial matter in people's livelihood, and the branches and leaves are always related. Coins and banknotes carry the original intention of the Guixi Branch of the Postal Savings Bank to serve the people's livelihood. In the next stage, the Guixi Sub-branch of the Postal Savings Bank will make every effort to improve the level of cash service and management, provide more inclusive, convenient and reliable cash services for the public, promote the continuous optimization of the cash use environment, and help build a diversified payment service system of "large-value card swiping, small-amount code scanning, and cash pocketing". (Wujiang)