Will Tianjin Bank’s smart assistant arrive in seconds?

Yes.

Merchants on the Xiaoer platform can apply for loans through the "Tianxing Xiaoer Merchant" APP based on their own personal credit information. The bank uses financial technology to conduct online batch processing of their transaction data. Analysis and processing, and the use of background data models to automatically approve credit, not only improves loan review efficiency, but also reduces bank loan review costs. The average review and approval time is only 3 to 5 minutes, enabling online "second approval" of credit loan applications. With the launch of various financial products of "Smart Waiter", individual industrial and commercial households can also borrow money online and repay it at any time. The procedures are simple and fast, effectively meeting the "short-term, frequent and urgent" funding needs of merchants. "Financing is difficult and financing is difficult." The phenomenon of "expensive" has been significantly alleviated.

The "smart waiters" located throughout the streets and alleys are providing a package of services including collection and settlement, credit financing, technology empowerment, and smart operations to small and micro merchants and users in the region. At the same time, through the implementation of more targeted policies and measures, we will stimulate consumption, boost domestic demand, optimize the business environment in the region, use financial "living water" to stimulate the vitality of micro-entities in the regional market, and achieve "benefiting people, business, and government."

"Smart Waiter" empowers small and micro merchants in all aspects of payment, marketing, data and finance, creating a "payment + scenario + finance" ecosystem to provide services to wet markets and convenience stores that are related to people's livelihood. Supermarkets, restaurants and other diversified life scenes provide integrated convenient services. On the one hand, Tianjin Bank provides offline "aggregated payment codes" to merchants on the platform, supporting Tianjin Bank payment, Union QuickPass, WeChat, Alipay and other multiple channels to scan codes for consumption. At the same time, it provides merchants with unique mobile payment services such as real-time payment of collection and collection, intelligent voice broadcast, and combined payment of discounts. After the consumer scans the QR code to pay, the funds are settled in real time to the merchant's account opened at Tianjin Bank. On the other hand, merchants are also provided with payment processing fee reductions. Within a certain limit, Tianjin Bank will bear the acquiring processing fees.