在互联网、移动智能终端和各类金融科技大行其道的时代，客户生活方式变得互

In the era of the Internet, mobile smart terminals and various financial technologies, the lifestyle of customers has become Internet-based. <br>The boundary between online and offline consumption is gradually blurred. Customer service expectations are increasingly being affected by the comprehensive promotion and use of smartphones, tablets and other digital products. <br><br>Customers' expectations of banking business will come from more experience in other fields. More flexible, personalized and diversified requirements have been put forward for financial services, hoping to enjoy various high-quality services anytime, anywhere, quickly and conveniently. <br><br>The ever-changing behaviors of customers have brought great challenges to the bank's business model. <br><br>Under the impact of the above three forces, traditional banks urgently need to change their thinking and use technology to reshape financial services. <br><br>Customer-centric, open, platform-based new service models, and unique services designed based on the needs and behavior of target customers should be provided, and data should be used for mining and technological innovation to improve customer experience. <br>Mobile payment has gradually become the new mainstream. <br>Card-based payment tools based mainly on plastic cards are gradually shifting to mobile payment methods such as card-based payment and virtual payment based on account-based payment. Mobile phones will become the single largest customer acquisition channel, and mobile payment will be a key turning point in payment history.

In an era when the Internet, mobile smart terminals and all kinds of fintecharets are in the making, the customer lifestyle has become Internet-oriented.<br>The boundaries of online and offline consumption are gradually blurred. Customer service expectations are increasingly being influenced by the widespread use of smartphones, tablets and other digital products.<br><br>Customers' expectations for banking will come from more experiences in other areas. More flexible, personalized and diversified requirements have been put forward for financial services, hoping to enjoy anytime, anywhere, fast and convenient access to a variety of quality services.<br><br>The changing behavior of customers poses a great challenge to the bank's business model.<br><br>Under the impact of these three forces, traditional banks urgently need to change their minds and use technology to reshape financial services.<br><br>Customers should be centered, open, platform-based new service models, and unique services based on target customer needs and behavior designs should be provided, and data should be leveraged to mine and innovate to improve the customer experience.<br>Mobile payments are becoming the new mainstream.<br>Card-based payment tools, which are dominated by plastic cards, are gradually shifting to mobile payment methods such as cardless and virtual paymentbased based on the ledger. Mobile phones will be the single largest access channel, mobile payment will be a key inflection point in payment history.

In the era of Internet, mobile intelligent terminals and all kinds of financial technology, customer lifestyle has become Internet.<br>The boundary between online and offline consumption is gradually blurred. Customer service expectations are increasingly affected by the comprehensive use of smartphones, tablets and other digital products.<br>Customers' expectations for the banking business will come from the experience of other fields. More flexible, personalized and diversified requirements are put forward for financial services, hoping to enjoy all kinds of high-quality services anytime, anywhere, quickly and conveniently.<br>The ever-changing behavior of customers has brought great challenges to the commercial operation mode of banks.<br>Under the impact of the above three forces, traditional banks urgently need to change their thinking and use scientific and technological means to reshape financial services.<br>The customer should be the center, the new service mode of open and platform type, and the unique service based on the needs and behavior design of target customers should be provided, and the data should be used for mining and technological innovation, so as to improve the customer experience.<br>Mobile payment has become a new mainstream.<br>Card based payment tools based on plastic cards are gradually turning to account based mobile payment methods such as card free payment and virtual payment. Mobile phone will become the largest single channel to obtain customers, and mobile payment will be a key turning point in the history of payment.<br>