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The Open Banking Journey at China Construction Bank (Shen Zhen) (B)
內容大綱
After initial success, China Construction Bank, Shen Zhen (CCB-SZ) continued its open banking journey by building a more integrated open banking platform in 2019. The platform enabled integration of e-accounts, consolidated payments, contactless payments, a credit card manager, a fee calculator, and other management functions for its open banking projects. CCB-SZ also continued expanding into more service areas, including smart city, smart medical platform, consumer rights, supply chain loans, SMEs quick loan approval, etc. Despite these efforts and achievements, the overall development of open banking projects by CCB-SZ was not able to maintain an upward trajectory, partly due to the regulatory limits that PBOC (the People's Bank of China or central bank) placed on the e-accounts that incumbent banks are allowed to offer to their customers. Meanwhile, BATJ (Baidu, Alibaba, Tencent, and JingDong) and fintech companies continued advancing into the financial sector. To secure its position in the mobile payment markets, CCB actively sought out other strategies such as creating separate entities that focused on fintech; digitalization of the entire backend operation; and cultivating technical manpower. These efforts allowed CCB-SZ to respond quickly to the COVID-19 pandemic by offering many new financial services online, such as "green pass quick loan", "smart community", and "grocery shopping."