Under the perspective of financial digital transformation, user-centeredness and enhancing user experience through the user journey have become the core ideas for banking institutions to improve their operation and service capabilities. Especially in the face of complex and diverse banking scenario-based services, thinking about the optimization and reengineering of the overall business process from the perspective of the user journey can better overcome the problems and difficulties in actual business scenarios, enhance the user experience and the value of a single customer, and create competitive and refined operational services. For different banking services, customers' needs and expectations are different, we focus on bank credit card business, draw the user journey map from card opening to recommendation fission, design and optimize through the core touchpoints of users in the experience link, and form a complete dynamic management of user operation.01 Customer Acquisition StageThe key point of customer acquisition for the bank is to improve the conversion efficiency of the customer acquisition and the quality of the customer acquisition.02 Activation StageTo understand the In the activation stage, understanding the functional rights and benefits and guiding users to experience the core value of the product is the key to activating users.03 In the retention stage, improving user retention is the key path to realizing the growth of user value.04 In the active stage, users are active, and it is necessary to combine the insights of the target users with the review of the data analysis to optimize and adjust the operation strategy.05 In the recommendation stage, fission-type user sharing and recommending is the innovative marketing mode that reduces the cost of the bank to obtain the incremental users quickly. Marketing Mode. In the actual credit card marketing business process, it is necessary to comprehensively consider all aspects of the user journey, scenarios, channels, products, etc., and rely on powerful digital capabilities, such as big data and cloud technology, to achieve accurate marketing services for the entire life cycle of the user. In the course of deep cooperation with many head banks, Xunmarketing Technology has accumulated rich user operation experience and established its own full-chain digital marketing platform, which is able to provide bank clients with comprehensive service support from business to technology, and help empower banking institutions to improve their digital operation capability and user operation quality. Based on the perspective of the user journey, optimizing the bank's business process and user contact path is an important measure to effectively improve user experience and enhance the bank's operation and service level. Xunmarketing Technology will continue to give full play to its technological and operational strengths in the field of financial services, and combine its digitalization and big data application capabilities to help the bank realize the strategic transformation of its digital operation into a "user-centric" business. The company's newest product is a new product that will help the bank to achieve a "user-centered" transformation of its digital operation strategy!