Deeply cultivating digital finance, empowering various industries and people's livelihoods. China Everbright Bank is building a new ecosystem of scene-based services with digital convenience technology.

Reprinted from: Xinhua Finance

Finance is the lifeblood of the national economy, and the “15th Five-Year Plan” period is a key time to promote high-quality financial development and accelerate the building of a strong financial nation. China Everbright Bank has always stayed anchored to the goal of building a strong financial nation. It takes technology as the core driving force for digital transformation, focuses on service areas such as digital convenience for the public, digital platforms, and digital scenarios, and depicts a new picture of digital financial services.

Open ecosystem: Everbright Cloud Payment helps build digital financial infrastructure

“Whenever you need to pay your water, electricity, and gas bills at the store, you only need to tap the ‘Everbright Cloud Payment’ mini-program on your phone, and it can be done in seconds.” Jiang Bai, the owner of Jiang Bai Tea House in Jiang Bai, Lhasa, said that since he used Everbright Bank’s series of “cloud services,” people no longer need to travel more than ten li to handle matters. Complex procedures have been simplified into just a few steps on their phones.

Living-payment services are the “capillaries” of people’s livelihood services. Their breadth and service efficiency are closely related to people’s everyday lives. Everbright Bank’s “Everbright Cloud Payment” platform closely follows the requirements for the development of digital finance. It addresses the issues seen in traditional payments—such as “going offline, waiting in lines for a long time, and having scattered channels.” It provides customers with a wide variety of online convenient payment services, including water, electricity, gas, heating, education, property management, social security, non-tax payments, and more. In 2025, it served more than 3.6 billion person-times.

To make digital financial infrastructure benefit an even broader group of people, Everbright Bank’s “Social Security Cloud Payment” mini-program focuses on providing medical insurance and pension insurance payment services for urban and rural residents and flexible employment personnel. In 2025, it served more than 150 million person-times. At the same time, it also warmly provides “Care Version” aging-friendly features and Tibetan-language services, offering elderly customers and Tibetan compatriots digital financial services that are within reach.

Digital upgrade: Everbright Bank APP creates a new one-stop wealth management experience

To further deepen the “customer-centric” service philosophy, meet customers’ needs for personalized wealth management, and accelerate the pace of online, digital, and intelligent development, Everbright Bank strengthens the construction of mobile banking services for diverse financial offerings such as wealth management, pension finance, retail credit, and credit cards. Currently, the mobile banking app has more than 70 million registered users, and online services are rapidly shifting from simply providing functions to creating value.

By the end of 2025, Everbright Bank officially launched the mobile banking app version 13.0, achieving a comprehensive upgrade of the user-experience from the user’s perspective. Focusing on the “Sunshine Wealth” featured brand, it meets customers’ needs for multi-level, high-quality, and diversified wealth management. It builds sections for “Life Funds Management,” “Steady Investments,” “Progressive Investments,” and “Insurance Protection”—the “four pieces of money for life”—to help customers plan and manage their wealth journey in a reasonable and effective way. Based on real data, it introduces “Popularity Rankings” to show product popularity. It newly launches a “Borrow Money” homepage to provide a comprehensive solution for customers’ integrated funding needs of “loans + credit cards.” It improves the dual-zone system for pension finance and personal pensions to provide multi-level comprehensive pension finance services. It refreshes and upgrades the “Simple Love Version” to help senior users bridge the digital divide. It also newly launches an “English Version,” creating an exclusive service channel for overseas customers.

Scenario-driven: Using digital services to spark new momentum for enterprise development

With the rapid development of the digital economy, enterprises’ demand for scenario-based, intelligent, and digital financial services has become increasingly prominent. Everbright Bank takes scenario-based financial innovation as the starting point, further enhances the ecosystem service capabilities of platforms such as XinYueTong and LogisticsTong, and works to fully build a financial services system that is aligned with industrial upgrading and serves the real economy.

In recent years, Everbright Bank’s “XinYueTong” platform, with payroll distribution as its core, targets small and micro enterprise customers and provides a package of digital value-added services for internal enterprise management. These services cover HR, attendance, payroll, expense control, invoices, individual income tax, and employee services, greatly improving companies’ operational efficiency. In 2025, the “XinYueTong” platform continued to iteratively upgrade around core scenarios such as group payroll, collaborative office, expense reimbursement, and individual income tax services. It precisely matched the diversified needs arising from enterprises’ digital transformation and actively empowered high-quality development of the real economy.

Modern logistics are the “arteries” of economic development. To ensure the safety and stable operation of logistics enterprises’ industrial chains and supply chains, Everbright Bank’s “LogisticsTong” service focuses on network freight scenarios. It provides authoritative member identity authentication and a complete sub-ledger account system to ensure accurate identification of freight revenue, and it offers convenient payment services for complex transaction scenarios. It also actively applies technological methods such as big data to provide value-added services such as financing and wealth management for network freight platforms and their upstream and downstream customers, supporting the digital transformation of the logistics industry. In 2025, the transaction amount exceeded 178 billion yuan.

In the future, Everbright Bank will closely center on the development goal of serving Chinese-style modernization. Supported by digital technology, it will provide more precise, more efficient, and more inclusive digital financial services, help develop the real economy and protect people’s livelihoods, and promote the building of a strong financial nation. (Li He)

Editor: Zhang Zhen

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