Bank Card for "core" should be a bank change

 

At the end of this month, the use of China's chip bank card will say goodbye to the "brush" card to the "plug" card, next year will gradually stop new magnetic stripe bank card. Bank Card Replacement of "core" is accelerating, but the national UnionPay magnetic stripe standard card Inventory amounted to 3.442 billion, who should pay for such a huge change of "core" work? How should we proceed? (Xinhua News Agency)

In terms of the market logic, the bank card for "core" should indeed be paid by the Bank. This is because of this kind of financial habit-brush magnetic stripe consumption, which is not the initiative of consumers. It is a service provided by banks. Currently, this kind of service has been found to have security vulnerabilities, and banks have taken measures to block the vulnerabilities, it is a matter of course to protect the security of customers' funds. However, in view of the actual capital gap facing the "core" job-3.4 billion bank cards to be exchanged, the economic cost paid here is not necessarily what banks are willing to accept.

Therefore, to promote the bank card to change the "core", you must find a maximum public appointment between the bank and the customer, so that the customer can both recognize the "core" and reduce the bank's error correction costs. In other words, it is to find the best balance of interests. Although the total number of cards to be changed is daunting, there are not so many bank cards actually active in the card swiping market. From the perspective of per capita card ownership, there are 3.4 billion bank cards, almost every Chinese person holds two halves.

There is no doubt that not all of the Members of the people need to swipe their cards. minors do not have the ability to swipe cards, and some bank cards that have been forgotten and used less frequently by customers are scanned, is the base card replacement greatly reduced?

Specifically, each bank can integrate the "core change" work into the market expansion work, while using existing customer information for some sort, while doing a serious research based on market research, filter out the active groups of the Card swipe group and give the group a free card swap opportunity. This not only makes the customer feel that the Bank really cares about their interests, but also avoids the economic pressure caused by the recycling of all bank cards. More importantly, it establishes a good reputation in the market, with a "core" change, it will drive the development of related businesses and optimize economic and labor costs.

For bank card customers who seldom use card swiping, they can fulfill their obligation to inform them and end all the card swiping services across the board, instead, it provides a specific card replacement time and free card replacement access conditions: for example, if the bank card consumption reaches a certain amount, the customer can see the "core" discount conditions and choose the preferred card replacement method.

In the end, the biggest fear during the transition period is that the magnetic stripe card has been exploited by criminals, so banks are faced with the responsibility of the customer's money. In fact, it is not no good solution to solve this problem. As mentioned above, we should first Replace the magnetic stripe card with a high frequency of card swiping, so as to curb the financial risk caused by financial vulnerabilities, so as to reduce the possibility of large-scale capital theft.

Second, if the customer's bank card is copied and stolen during the "core" transition period, the bank can track the situation in a timely manner through relevant technical means, recover customers' economic losses or assume certain compensation obligations to safeguard customers' financial confidence in the bank.

Of course, all these practices require banks to take responsibility in terms of economic costs, but the cost is much lower than the total cost of recovering 3.4 billion "core" bank cards. What's more, for banks, the risk of such magnetic stripe cards is the vulnerability of their products. Rather than pushing the three obstacles and facing greater financial risks, it is better to think differently from each other, find the most appropriate solution and actively change the "core" of the bank card ". (Legal Evening News)

 

Bank Card for "core" should be a bank change