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Open the popular credit card version of PTT, enter the keyword “Yushan Wallet” and you immediately see many netizens tweeting that they “make the industry invisible to car taillights” and “basically it is the industry of the technology in the bank “.
These assessments are not exaggerated, they come from. Five years ago, when most Taiwanese still could not imagine that “mobile phones can also be used as wallets,” the progress of many peer mobile payment services was still at the stage of “just listening to the sound of the stairs. ” At that time, Yushan Financial Holdings had long set the tone: mobile payment is the gateway to managing future customers’ digital payment consumption.
Walking the market desert road, Yushan Wallet’s innovative progress
Scanning a QR code with mobile phones or using an NFC sensor to pay is now a daily routine for many people, but this was not the case in 2015. At that time, Apple Pay, Google Pay and Samsung Pay were not yet open in Taiwan. , and many people in the industry were also confused by Apple Pay’s card number virtualization technology token. This market was still a “desert” with heavy thunder and little rain.
At the end of the same year, Yushan Financial Holdings took the lead in launching the “Yushan Wallet” NFC mobile credit card, the first product in Taiwan with 100% HCE (Host Card Emulation) cloud virtualization technology built by a Bank. Not only does it lead the industry in mobile payment and development technology, Yushan Wallet is more prominent in its continuous focus and investment in user experience. In recent years, the overall ecology of the industry has changed and has led the industry through deep card integration, high degree of customization, and point economy integration. Most striking innovation recently is the industry-leading launch of the “card management function”, which requires digital empowerment to return “card autonomy” to customers.
What does that mean? Since Yushan Wallet starts from the customer’s “card usage”, it is necessary to create three innovative experiences:
- Instant card use:In the past, when a specific credit card was needed, it had to go through different stages such as applying for a card, verifying a card, linking the card to card use, resulting in “less hate when using the card “. However, Yushan Wallet links these “breakpoints”. Minutes, Through the patented innovation of instant card linking, customers can immediately link the card to Yushan Wallet to start spending before receiving the physical card. It only takes a few minutes for customers to experience everything from applying for a credit card, nuclear card, bonding Unique card experience to use with no breakpoints.
- “Bonus Benthoven” point economy:Although there are various types of credit card refunds on the market, including cash refunds, mileage accumulation, bonus redemption, etc., Yushan has launched the industry’s first credit card membership concierge system “Bonus Benthoven “with the Yushan Only card. The original staggered comment design has not only elicited a widespread response AND also designed an interesting gamification mechanism based on cumulative consumption of members. Members’ accumulated end-to-end accounting information is communicated interactively in the Yushan Wallet app, focusing on long-term customer management. In the development of Yushan Gold’s point economy, Yushan Wallet Play a fundamental and fundamental role is more than a payment wallet.
- Digital card, independent management:In traditional printing, if you want to change any setting of a credit card, be it to open a transaction abroad, set a single transaction limit, etc., you need to call the customer service center one by one to request it; but now just open Yushan Wallet, all functions are “one click” instead. Are you going abroad tomorrow? Then use the app to open foreign physical transactions; are the flowers too hard recently? Then use the app to lower the domestic credit card limit in one fell swoop. Yushan Wallet leads the industry in launching card management functions, which not only innovate the services, but also greatly improve the security of credit cards. customers. Each Yushan card friend can set up or close the transaction function of each card through Yushan Wallet. Foreign physical transactions, foreign online transactions, domestic physical transactions, domestic online transactions, mobile payments , etc., allow cardholders to manage independently according to their personal lifestyle needs. This design Intimate has greatly improved Yushan’s understanding of card friends Satisfaction and favorability of the credit card.
Traveling the desert highway of the market, Yushan Wallet realized the digital empowerment proposal of “How to use my card, I decide at any time” through innovation. From payment extension services to leading business models in credit card innovation, it also drives the industry to gradually follow through.
Do you want customers to love it? Go back to the original intention and create a mobile payment application that you like and use
Everyone talks about “customer centric”, but whether we can really do it and keep practicing it is another question. As a pioneer in the marketplace, Yushan understands that innovation comes from continually understanding customer needs and solving customer pain points. Therefore, the seemingly simple “return to customers with card autonomy” actually has a set of “return to original intentions, customers Empowerment Philosophy.”
Once you get back to your original intent for financial services, you can see the needs and pain points from the customer’s perspective. Therefore, the Yushan Wallet development team not only provides more young generations to lead and play space, the team also believes that a good product (service) is a kind of marketing in itself, and they constantly remind each other others with common goals: “We are not only financial professionals, but also Therefore, financial consumers have to make the Yushan wallet they like and use.”
However, there are so many members in a team. Zhang San’s pill may be Li Si’s poison. How do you define “I like and use it”? The answer is: there is no need to find a common definition, as long as you “empower” consumers and always return to the original intention of solving customer pain points, digital services will get closer and closer to ideal products. in the minds of customers and it will be possible to create a long-term shared customer. The value of winning.
The father of marketing Philip Kotler noted in his book “Marketing 4.0”:
“Marketing is a continuous process based on changes in the market.”
Yushan also believes that financial products and services should be based on market changes, through technology, data and community co-creation and participation, and constantly evolving in accordance with changes in the market and the customer needs to develop different types of products and services.
Mobile phone is Yushan card, life is Yushan Walket
Yushan Wallet is a digital platform that integrates payments, life and finance. It is customer-centric and continues to innovate. Today’s Yushan Wallet is highly connected to the cardholder journey. In the future, it will continue to develop distinctive and differentiated service modules. Taking payment as an axis connects more life scenarios, integrates services in partner scenarios and continues to complete the card services required by customers in their consumer life.
After five years of squatting, from payment wallets to essential card friend apps, Yushan Wallet has not only amassed the support of millions of users, but has also continually won the “Best Digital Wallet Project Award” from The Asset in 2020. “Affirmed by domestic and foreign index institutions as the” Best Consumer Financing Award (Special) “in the 10th Oscar Elite Award in the financial industry.
