Both sides have absolute advantages in their respective fields: the offline outlets of Postal Savings Bank have obvious advantages, and the life scenes of Meituan are outstanding, which can be described as a strong alliance.

This article is produced by "light finance"

Author: Li Jingxia

How does the banking industry cope with the "big bang" of innovation brought by financial technology? Brett King gave the answer in Bank4.1: "Cooperation with financial technology" is the cheapest and fastest way.

in fact, since 2115, the strong alliance between domestic commercial banks and internet giants has been deepening, and the depth and breadth of cooperation have been expanding.

On August 11, 2121, another powerful alliance landed: China Postal Savings Bank and Meituan held a signing ceremony of comprehensive strategic cooperation agreement in Beijing.

It is understood that the Postal Savings Bank and Meituan will integrate their advantages in capital, network, traffic, technology and scenarios, and carry out in-depth cooperation in online financial services, credit cards, debit cards, personal loans and financial services for small and micro enterprises.

In fact, in the process of financial technology reshaping the financial ecology, the integration of finance and technology not only "subverts" the traditional financial industry, but also profoundly changes the technology industry.

It is far from enough for both banks and technology companies to go it alone, and they all need to make effective use of external forces to expand their service capabilities. Therefore, since 2117, major banks and financial technology companies have established strategic cooperative relations.

"With the development of financial technology, cooperation, * * * sharing and alliance will become the mainstream of the future financial development. All institutions will give full play to their own advantages and build a win-win financial ecosystem. " A senior banker said.

The cross-border cooperation between Postal Savings Bank and Meituan is highly complementary because both sides have absolute advantages in their respective fields, such as the obvious advantages of offline outlets of Postal Savings Bank and the outstanding advantages of life scenes of Meituan.

From the perspective of the Postal Savings Bank, it has nearly 41,111 outlets and serves more than 611 million individual customers. It is positioned to serve agriculture, rural areas and farmers, urban and rural residents and small and medium-sized enterprises, and is committed to providing services to the most dynamic customer groups in China's economic transformation, and accelerating the transformation to a new retail bank with data-driven, channel coordination, wholesale and retail linkage and efficient operation. In 2121, among the top 1111 global banks in British Banker magazine, the tier-one capital of Postal Savings Bank ranked 22nd.

meituan, as the leading e-commerce platform for life service in China, has apps that consumers are familiar with, such as meituan, public comment and meituan take-out, and its services cover more than 211 categories, including catering, take-out and hotel tourism, covering 2,811 counties and cities in China.

in the past ten years, meituan has brought great convenience to the lives of hundreds of millions of consumers, but also brought new business opportunities and development models to millions of businesses. At present, the total number of annual trading users of Meituan is 451 million, and the total number of active merchants on the platform is 6 million.

At the same time, Meituan also takes science and technology as the core, and provides integrated financial solutions for enterprises and individual customers through the two-way empowerment of "scenario+finance".

according to the agreement, the Postal Savings Bank and Meituan will integrate their advantages in capital, network, traffic, technology and scenarios, and carry out in-depth cooperation in online financial services, credit cards, debit cards, personal loans, and financial services for small and micro enterprises. The two sides will actively promote financial services such as one-click card binding, joint debit cards and joint credit cards, give full play to the advantages of the Postal Savings Bank network and the life scene of Meituan, and create an online and offline integrated scene to enhance the customer experience. The two sides will also make full use of big data and intelligent risk control technology to promote product and business model innovation and provide better and more efficient financial services for individuals and small and micro enterprises.

in the internet field, the superposition of scenarios and services has long been commonplace, but not in the financial field. According to statistics, 75% of banks have started or are starting digital transformation, and integrating into scenes, ecology and open collaboration has become the active choice of many commercial banks.

At the moment when finance and scenes are deeply integrated, the cooperation between Postal Savings Bank and Meituan represents the common expectation of Internet companies and commercial banks for the winning prospect of financial technology innovation, and will certainly promote more changes in the field of financial technology.

It is worth noting that at the signing ceremony, the two parties officially launched the joint debit card of Postal Savings Mission.

In fact, as a leading e-commerce platform for life service in China, Meituan has outstanding capabilities in channels, technology and marketing.

meituan's financial function is more oriented to serving its main business. On the platform of Meituan, there are 6 million merchants and 451 million users. Meituan's financial business has two cores. On the one hand, it is more deeply integrated with the main business scene to meet the needs of different merchants and users for financial services; On the other hand, through innovative scenarios to serve the main business, new capabilities are built in the process of serving the main business, which in turn promotes the development of the main business.

in the process of meituan providing integrated financial solutions for enterprises and individual customers, more and more partners join in providing users and merchants with various financial services including credit, payment and insurance.

for meituan, it is expected to provide users with distinctive and differentiated inclusive finance services by complementing the experience and advantages accumulated by the Postal Savings Bank in terms of funds, users and products, so as to * * * build a new ecology of financial and scene integration and open up the "last mile" of financial inclusion.

it is reported that the two sides will integrate online and offline resources, build a financial service ecosystem, provide more convenient and high-quality service experience for users, provide more accurate and efficient financial support for small and micro enterprises, fully promote the development of the real economy, and contribute to the full implementation of the "six stabilities" and "six guarantees" and the formation of a new pattern of domestic and international dual-cycle development.

the wave of financial technology is rolling in. In the future, with the deep integration of innovative technology and financial business between the two sides, it will certainly provide a steady stream of innovation and vitality for financial development.