The Bank of Tianjin takes mobile payment as the entry point and supports small and micro-merchants as the core, transforming the traditional sales mindset into "operating merchants, serving merchants" and providing comprehensive services for small and micro-merchants on the spot. With the "intelligent small" series of products and tools as a link, to build a bridge of communication with merchants, to fully explore the financial needs of merchants, to achieve the effective coverage of the financial scene.

The bank provides comprehensive and convenient services. On the one hand, the Bank of Tianjin provides merchants on the platform with an offline "polymerization collection code", which supports multi-channel scanning consumption such as Bank of Tianjin Payment, Yunshuitong, WeChat, Alipay, and so on; at the same time, the Bank of Tianjin also provides merchants with real-time collection payment, intelligent voice broadcasting, and discount integration, and other unique mobile payment services. After consumers scan the QR code for payment, the funds are settled in real time to the accounts opened by merchants in Bank of Tianjin. On the other hand, payment fee reductions are provided to merchants, within a certain amount, with Bank of Tianjin bearing the acquiring fees. As of the end of July 2021, "Smart Seconds" active merchants accounted for 80% of the platform's individual merchants, with an average daily transaction volume of 700,000 transactions and a turnover of 60 million yuan.

Meanwhile, "SmartSeconds" has responded to the wave of the Internet, digitization and mobility, and transformed the service industry with digital innovation to continuously meet the increasingly diversified payment needs of consumers. On the one hand, through the preferential payment, the public can enjoy preferential consumption, feel Tianjin benefit the people's high-quality mobile payment circle of life; on the other hand, the introduction of a series of interest-based products, such as monthly payment, and cooperation with merchants to build integrity merchants, safeguard the rights and interests of consumers, and improve the regional credit environment, so that the public dares to consume and be protected.