Digital Finance Warms Hearts, Service Ensures Better Life | Jiujiang Bank Safeguards Consumer Rights with Technological Strength, Making Financial Warmth Within Reach

Jiujiang Bank actively practices the political and people-oriented nature of financial work, deeply cultivating the digital financial sector. It integrates new technologies such as big data and artificial intelligence into all financial service scenarios, launching a series of convenient, beneficial, and惠民 measures to ensure that the fruits of financial development benefit the public more fairly and securely. With warm financial services, it strengthens the social safety net, injecting strong financial momentum to boost consumption and serve high-quality local economic development.

Technology empowers efficiency, making financial services more convenient

“Let data do more, let the people run less” is the core pursuit of Jiujiang Bank’s digital financial services. The bank continuously reconstructs service processes through technological means, achieving comprehensive improvements in business handling efficiency. AI technology assists in credit report writing, and intelligent risk control models are built, enabling personal consumer loan approvals to reach “minute-level” speed, upgrading service experience; optimizing low-risk invoice issuance processes for bank guarantees, reducing processing time from 36 hours to 2 hours, effectively easing corporate financing time pressures; remote video banking integrates facial recognition, liveness detection, and other cutting-edge technologies, allowing customers to connect online with one click and handle transactions remotely without leaving home, breaking space-time limitations; RPA process robots are widely used in credit approval and post-loan management, automating operations such as cross-system data retrieval, internal and external network collaboration, and file collection, improving processing efficiency and reducing labor costs.

Meanwhile, Jiujiang Bank promotes digital financial knowledge through engaging formats like images and texts both online and offline, vividly demonstrating how digital finance precisely meets people’s needs for food, clothing, housing, and transportation, bringing financial services from the “counter” into the “palm” of the people.

Warm-hearted protection solves problems, elderly-friendly services are more considerate

Focusing on the actual needs of the elderly to bridge the “digital divide,” Jiujiang Bank carefully optimizes elderly-friendly financial services, helping senior customers share in the benefits of digital financial development. The mobile banking app launched a “Care Version,” simplifying interfaces and optimizing interactions based on elderly usage habits, making key information easy to read, main functions easy to find, and operation steps easy to understand. It also adds intelligent voice customer service and dedicated account managers to provide 24/7 convenient consultation services for seniors; offline smart devices feature a “large font” care mode, extend password input time for elderly customers, and are equipped with guidance staff for one-on-one assistance. Online operations are simpler, offline services warmer, and thoughtful measures allow elderly customers to enjoy the convenience of digital finance and feel the warmth of financial services.

Smart risk control builds a defense line, protecting people’s money

Financial services require both efficiency and security. Relying on an intelligent risk control system, Jiujiang Bank has established a 24/7 continuous risk monitoring system that tracks abnormal behaviors throughout the entire loan process—pre-loan, during, and post-loan—providing timely alerts to prevent financial risks from the source. The bank upgrades its anti-fraud transaction system, using big data to accurately identify suspicious transactions and intercept risky funds, safeguarding customers’ “purses” with technology. Customers can enjoy convenient financial services while feeling assured of real security.

Targeted assistance warms hearts, new industry groups have support

In response to the financial needs of new employment groups such as couriers, food delivery workers, and ride-hailing drivers, Jiujiang Bank has launched dedicated support measures to safeguard the efforts of these workers. Offline, it has established financial service stations, integrated financial resources, and tailored exclusive credit products with flexible repayment options to precisely ease the cash flow pressures of new employment groups; online and offline coordinated activities promote financial knowledge, focusing on fraud prevention, rational consumption, and personal credit, effectively enhancing their risk awareness and financial literacy, allowing them to work with peace of mind and without worries.

The people’s needs are the direction of finance. Moving forward, Jiujiang Bank will continue to deepen its digital financial track, innovate service models, optimize customer experience, and strengthen risk control, ensuring that the “living water” of finance precisely irrigates the fertile land of people’s livelihoods. With more convenient, considerate, secure, and precise financial services, it aims to improve people’s well-being, boost consumer confidence, and contribute more to the high-quality development of the local economy and society! (Ni Sisi)

(Editors: Jiang Yongdan)

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