What is a small white electronic account of ICBC in JD.COM, and what are its functions?

JD。 COM ICBC Xiaobai electronic account is the first scene-based digital bank in the industry, which is the result of the deep integration of ICBC and JD Finance in terms of customers, accounts, data, information and funds.

JD.COM and ICBC have used cutting-edge technologies such as big data and artificial intelligence to build a new retail financial scene of "enjoying fragmented life time and meeting key financial needs" in addition to the traditional banking format, so that customers can fully enjoy the new experience of smart retail finance that is "easy to handle", "explosive" and "safe and efficient".

In addition, "ICBC Xiaobai" has also innovated some traditional banking businesses. For example, the time deposit certificate business usually requires customers to go to bank outlets, but ICBC Xiaobaifen saves customers this trouble.

Through "ICBC Xiaobai", customers only need to apply for credit certification services such as deposit certificate online, and Jingdong Logistics can deliver the deposit certificate issued by ICBC to their doors.

The four major banks have conducted in-depth cooperation with several major Internet giants. Judging from the progress, the launch of ICBC Xiaobai Digital Bank and the release of unmanned precious metal stores not only fully reflected the pragmatic and efficient cooperation between JD Finance and ICBC, but also set a benchmark and provided a template for cross-border cooperation between Internet giants and large banks.

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The products and services provided by ICBC Xiaobai Digital Bank "can be assembled freely like building blocks, distributed freely like cards, embedded and connected freely like plug-ins." Obviously, this is a breakthrough innovation for the banking industry.

Specifically, the "ICBC Xiaobai" launched this time focuses on serving young customers and is the first scene-based digital bank in the industry. The two sides use cutting-edge technologies such as big data and artificial intelligence to build a new retail financial scene of "enjoying fragmented life time and meeting key financial needs" outside the traditional banking format, so that customers can fully enjoy the new experience of "easy to use", "explosive" and "safe and efficient" smart retail finance.

Through "ICBC Xiaobai", customers only need to apply for credit certification services such as deposit certificate online, and Jingdong Logistics can deliver the deposit certificate issued by ICBC to their doors. Another innovative project, "Unmanned Precious Metals Store", uses technologies such as multi-screen interaction and somatosensory interaction to make customers obtain product information more intuitively and conveniently at outlets, and perfectly combines offline scene experience with online self-service purchase.

China Industrial and Commercial Bank-ICBC and JD Finance pioneered the "ICBC Xiaobai" digital bank.